Divvy vs Wise — Which One Wins?
A detailed, side-by-side comparison of Divvy and Wise to help you pick the right tool for your workflow.
Quick Verdict
Wise takes the lead with a 4.5 rating and is best for businesses and individuals making international transfers who want fair exchange rates.. Divvy (4.4) is the better pick if you need teams wanting free corporate cards with budget controls.
Side-by-Side Comparison
| Criteria | Divvy | Wise |
|---|---|---|
| Rating | ★★★★ 4.4(135) | ★★★★ 4.5(345) |
| Pricing Model | freemium | freemium |
| Starter Price | Free | Per-transfer fees (varies by currency) |
| Free Tier | Yes | Yes |
| Platforms | Web, iOS, Android | web, ios, android |
| Learning Curve | Easy | easy |
| API Available | Yes | Yes |
| Best For | Teams wanting free corporate cards with budget controls | Businesses and individuals making international transfers who want fair exchange rates. |
| Verdict | Best Free Corporate Cards | recommended |
Feature Checklist
| Feature | Divvy | Wise |
|---|---|---|
| Corporate Cards | — | |
| Budget Management | — | |
| Receipt Matching | — | |
| Real-Time Tracking | — | |
| Virtual Cards | — | |
| Real mid-market exchange rate | — | |
| Multi-currency account (40+ currencies) | — | |
| Local bank details in multiple countries | — | |
| Batch payments | — | |
| Business debit card | — | |
| Accounting integrations | — |
Divvy
Pros
- ✓Completely free
- ✓Excellent budget controls
- ✓Bill.com integration
Cons
- ✕US-only
- ✕Being merged into Bill.com brand
- ✕Fewer rewards than Ramp
Wise
Pros
- ✓Real mid-market exchange rate with no hidden markups
- ✓Multi-currency account holds 40+ currencies
- ✓Transparent upfront fees — no surprises
Cons
- ✕Not a full business bank account — limited to transfers and holding
- ✕Transfer speeds vary by currency pair and method
- ✕Not useful for domestic-only businesses
The Bottom Line
Both Divvy and Wise are solid tools in the Accounting & Finance space. Wise edges ahead with a stronger overall rating (4.5 vs 4.4) and is the better choice for businesses and individuals making international transfers who want fair exchange rates.. However, if you prioritize teams wanting free corporate cards with budget controls, Divvy is worth serious consideration. We recommend trying the free tier or trial of each before committing.