Contributor, Benzinga
January 24, 2023
Overall Rating:
securely through Divvy's website

Divvy, a BILL spend and expense management solution, offers services for small and midsize businesses. Divvy was acquired by BILL in 2021 and has continued to grow. The company is the first free fully automated platform that focuses on providing expense management solutions, making it easy to access the funding you need, no matter the size of your business. Apply for a credit line in minutes and start spending smarter with Divvy cards for all employees. Divvy empowers businesses of various sizes to take charge of their finances by streamlining and automating the financial process. The company provides products designed to assist with spending, expenses and business credit. 

Best For
  • Companies interested in budgeting
  • Small and midsize businesses interested in improving employee spending
  • Entities that want to end the tyranny of expense reports
  • Free-to-use software
  • No annual fee
  • Physical and virtual cards
  • Heavy initial data collection process

Divvy Ratings at a Glance

Customer Service
Mobile App
User Experience

Divvy Offerings

Divvy has time- and money-saving products that assist with spending management, business credit, expense management and AP automation. 

Divvy defines small businesses as companies with fewer than 20 employees and midsize businesses with up to about 500 employees. Divvy works with companies from a variety of industries such as construction, healthcare, technology, accounting firms, e-commerce and retail. Solutions depend on the needs found within each specific field of work. Expediting the accounts payable process lets companies focus their time and resources on more pressing tasks.

Spend management promotes budgeting while increasing the control that a company has over its cash outflow. Businesses can set spending limits for employee cardholders and track spending. Users can send and receive funds instantly, which can prove useful during tight project deadlines. 

The expense management tool helps organize and categorize expenses for faster approval and review, eliminating the time employees have to spend doing expense reports. The desktop and mobile app integrate seamlessly with QuickBooks and NetSuite.

Features include rewards, reimbursements, virtual cards, accounting integrations, payment services, reporting and financial insights. The sizable list of features allows companies to address a wide list of needs ranging from boosting accountability to decreasing overspending. Virtual cards promote safety by protecting companies from fraud. Companies can access a vendor payment solution free of charge. 

Divvy maintains a vast product offering for small and midsize businesses in various industries. 

Divvy Customer Service

Divvy has multiple methods of communication to assist with customer service. The company has a phone number, a chat box, an email, a contact page, a help center and several social media handles dedicated to promoting interaction between customers and company representatives. 

Divvy uses Instagram, Twitter, YouTube and LinkedIn. 

The help center provides advice and troubleshoots concerns. Customers can type questions into the search bar to find relevant informative articles. Top articles within the help page include information about how admins can get started as well as the requirements for applying to Divvy. 

Customer reviews on Trustpilot, where Divvy earned three stars out of five in 350 reviews, highlighted room for improvement. Customers that reported dissatisfaction with Divvy mentioned a lack of prompt responses to inquiries. Users mentioned concerns about the collection of personal information when applying for an account. In contrast, satisfied reviewers noted that the platform allows users to save both time and money. 

Divvy uses several methods of communication to appeal to a wide range of customer preferences. The company has room for growth regarding responsiveness as well as addressing customer concerns surrounding the collection of personal information. The vast selection of available methods of communication indicates that Divvy strives to actively engage with customers.

Divvy Pricing

Pricing remains extremely reasonable given that Divvy allows businesses to use the platform for free. The company does not charge unexpected fees. It doesn’t state a minimum investment. Divvy encourages companies to request a demo to understand what the platform has to offer. 

Divvy’s cards have no annual fees and provide generous rewards. The cards include built-in spending controls and prompt transaction tracking to prevent overspending. The full balance is due on the stated due date. Divvy’s charge cards differ from traditional credit cards. To determine a variable credit line, Divvy examines key factors such as the company’s cash balance, annual revenue and time in business. When pulling a credit report, Divvy does a soft pull using Experian.

The initial barrier to entry as noted in many customer reviews appears to be the extensive application process. Application requirements include annual revenue, business history, credit score and location. Businesses must be located within the U.S. to be eligible. 

Divvy Mobile App

The mobile application is available on the Apple App Store and Google Play. The application is free and allows companies to access a wide range of spending needs from expenses to budgets, cards and tracking. 

The mobile application has an intuitive design intended to promote quick access to important financial information. For example, users can approve necessary spending and capture images of receipts with a smartphone.

The app saves time by allowing you to easily input data and swiftly oversee financial processes, although a few reviews indicated occasional delays.  

Divvy User Experience

Divvy is easy to use. The user experience focuses on helping companies from various industries take control of their finances. Account managers have access to a streamlined platform that promotes increased financial competency. 

For businesses interested in using both management services and business cards, Divvy remains a highly useful company. Divvy’s product offering ranks highly in terms of accessibility, acceptance and user experience.

Mixed customer reviews surrounding the simplicity of the user experience leave room for improvement. Reviews left on third-party platforms such as Trustpilot mentioned frustration with issues such as account deletion. Divvy can still prove extremely useful for companies interested in a free expense-focused platform.

Divvy vs. Competitors

While Divvy is a strong option for expense management assistance, the company faces key competitors such as Ramp and Expensify. All three companies allow customers to manage spending while using card-controlling features, but Divvy has budgeting features others don't. For people who prefer to work in apps, Divvy’s mobile app beats Ramp’s recently released app hands down. Additionally, Divvy’s live chat and phone customer support— not just a ticketing system like others have — come up big when you’ve got a problem that necessitates talking to a person. Divvy has fewer limitations and requirements, unlike Ramp, which requires at least $75,000 in cash in a U.S. business bank account. Divvy’s free-to-use option means that even fledgling startups can access and benefit from Divvy’s efficient expense management platform.

Divvy Overall

Divvy earns a respectable score of 4.5 out of 5. The company has a strong product offering, clear pricing and an intelligently designed mobile application. The platform brings together many integral pieces of a company’s financial process while providing a streamlined solution. Divvy helps companies access relevant financial data in an easy-to-comprehend format. The information is recorded in a timely manner, saving time and money. Divvy can be used free of charge and does not have any hidden fees. The mobile application allows users to access relevant information on the go, and not having to undertake major month-end reconciliations draws rave reviews from users.

Divvy earns high marks as a contender in the continuously expanding expense management solution sector. 

Frequently Asked Questions


How long does Divvy take to approve?


The approval process tends to vary. For example, a credit application might take several hours, and approval is not guaranteed. Check the application dashboard for updates during the application process. 


What kind of company is Divvy?


Divvy is a company dedicated to helping businesses and employees navigate expense management. The company offers products that focus on improving business credit, spending management and expense management. Divvy uses a combination of charge cards with expense and management software to empower businesses to make better financial choices.

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