User Reviews Overview

About Divvy

Divvy is a free cloud-based accounting and expense management solution for businesses. Key features include managing payments and subscriptions, building strategic budgets, automated expense reports and virtual cards. Divvy...

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Feature ratings

Value for Money
4.8
Features
4.6
Ease of Use
4.7
Customer Support
4.7

Browse Divvy Reviews

401 of 401 reviews
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Zachary
  • Industry: Accounting
  • Company size: 11–50 Employees
  • Used Daily for 6-12 months
  • Review Source
Value for Money
5
Features
5
Ease of Use
5
Customer Support
4

5
Reviewed on 18/12/2018

The best software our company purchased in 2018!

Overall, Divvy has enabled my company to gain WAY better insight into where dollars are going. We now know where we are over-budgeting and under-budgeting each month. Divvy makes tracking business expenses fun — I never thought I'd say that!

Pros

I first learned about Divvy via the daily business newsletter, Morning Brew. I was in disbelief that the product was totally free, so I scheduled a demo call. As it turns out, Divvy really is TOTALLY free. The app is incredibly user friendly and switching/updating budgets is surprisingly easy. But while the app interface is nice, the push notifications are wonderfully helpful, and Divvy travel has us saying bye-bye to Expedia, the REAL value our agency has found in using Divvy is the virtual card feature. As the Director of Marketing Strategy at a small Marketing Technology Agency, I manage a team of people who run a plethora of digital ads campaigns for numerous clients in any given month. Divvy's virtual card feature allows us to manage media buys on behalf of our clients without needing to open 100+ credit cards (or require the client to use their card). So, we're able to manage our clients' monthly spend and charge them a small admin fee (for putting the spend on our cards) without incurring ANY credit card fees.

Cons

Honestly, there are really only two things I dislike about Divvy:

1. That there isn't a Divvy for PERSONAL spending (I've been Googling looking for something like this for the past few weeks now...nothing seems to exist!)

2. The saving a receipt feature/adding notes feature is a little spotty at times. I find that I often need to go back into a purchase and re-upload the photo of the receipt/re-type my note. Hopefully this is a bug that gets worked out with the next app update.

Response from Divvy

Hi Zachary,
Thanks for the feedback! I've sent your feedback regarding the photo receipt uploads to the director of product, and he's looking into a way to improve that process and ideally ensure that it never happens again. Just wanted to thank you personally for joining the Divvy family of happy customers, and for taking the time to leave a great review!
-Mark

Replied 19/12/2018
Anthony
  • Industry: Construction
  • Company size: 51–200 Employees
  • Used Daily for 1-5 months
  • Review Source
Value for Money
5
Features
4
Ease of Use
5
Customer Support
5

5
Reviewed on 22/7/2022

Perfect for our small construction company.

Using Divvy has solved so many issues for us. First in foremost we've saved roughly 30-40 hours a month in receipt tracking. It's very easy to set up and use. We're very happy with Divvy.

Pros

We loved how easy it was to roll out to our employees. Each card came with instructions. Very little had to be done to get the ball rolling.

We love how visible the spend in our company is. We have a much better understanding on how much we spend per expense. A lot better than the manual method we were using.

The cards work! We've tried other services that had declined transactions on a regular basis. These cards have had no issues.

Cons

We've had very little in the way of complaints. Currently the Divvy cards have a spend limit of $100 when purchasing fuel. From my understanding this is a VISA issue and out of their control. I would also say that there are better platforms for larger businesses. Our company has around 50 employees and Divvy ended up being perfect for us.

Reasons for Choosing Divvy

Mesh had problems with cards declining and the software seemed to be in a beta phase.

Switched From

Mesh Payments

Reasons for Switching to Divvy

We wanted to find a platform with low monthly costs. Divvy is a free service from a business standpoint. You simply use their cards. Other platforms had this as an option but typically bundled a number of things we didn't need along with it.
Alfredo
  • Industry: Automotive
  • Company size: 2–10 Employees
  • Used Daily for Free Trial
  • Review Source
Value for Money
2
Features
3
Ease of Use
2
Customer Support
2

2
Reviewed on 10/3/2023

Divvy review

I really didn't get any benefit from divvy. I am very disappointed!

Pros

I was pleasantly surprised that the system automatically shows you the pre-approved credit.Completing the application took no more than 30 minutes.

Cons

The support service is incompetentNo one told me the reason why the application was rejectedThe impression was created that divvy only collects the personal data of the US business community.After I passed the video verification, the application was refused, which is disturbing, what is the reason to pass the video verification if the application is refused anyway.The most regrettable thing is that I sent my bank account details.When I passed the video verification, I noticed that my personal data will be kept for 3 years! I am very disappointed!

Top Divvy Alternatives

Dinesh
  • Industry: Financial Services
  • Company size: 501–1,000 Employees
  • Used Daily for 1+ year
  • Review Source
Value for Money
5
Features
4
Ease of Use
5
Customer Support
5

4
Reviewed on 6/12/2022

Value for Money and Easy to Use

Pros

Easy to use, user friendly, save a ton of time and easy to mange the spends. Easily sync the transaction with accounting software, and speeds up reconciliation process. You can set limits, chose vendors. Can have access to receipts on the Go. Also rewards points is cherry on the top.

Cons

Reimbursement process requires a lot of Improvement , especially for syncing the transaction with QBs

Alternatives Considered

Expensify

Reasons for Switching to Divvy

User Interface is easy, Reporting is easy, Expense management was easy
Erin
  • Industry: Nonprofit Organisation Management
  • Company size: 2–10 Employees
  • Used Daily for 1-5 months
  • Review Source
Value for Money
5
Features
5
Ease of Use
5
Customer Support
5

5
Reviewed on 15/12/2022

Saves so much time for a small accounting and admin team

The Divvy team was fast and friendly. I submitted an application and a week later I had cards, an active admin portal and virutal cards set up for vendors. Special thanks to [SENSITIVE CONTENT] for helping us get set up so fast!

Pros

The best thing about Divvy is that employees can designate a transaction to a specific budget right at the time of the transaction. They upload the receipt right then and there and they're done! No more bugging staff for expense reports, missing receipts, wrong amounts. This will be a game changer for our small team.

Cons

We are still pretty new to Divvy but so far it's been great. We'll need to make sure that there are strong controls for everyone, including admins on the account but so far it has been a solid product. Very intuitive and easy to use.

Davaun
  • Industry: Construction
  • Company size: Self Employed
  • Used Daily for 6-12 months
  • Review Source
Value for Money
5
Features
5
Ease of Use
5
Customer Support
5

5
Reviewed on 25/12/2022

Good business tool

Happy with my experience. Compared to other software, Divvy is definitely recommended

Pros

I like how this software made managing my expenses easy.

Cons

The most difficult process was connecting business account information.

Grant
  • Industry: Wholesale
  • Company size: 11–50 Employees
  • Used Weekly for 1+ year
  • Review Source
Value for Money
5
Features
4
Ease of Use
5
Customer Support
4

5
Reviewed on 6/12/2022

You should use Divvy, seriously.

I went from caputuring around 35% of my receipts using other methods to a 95% capture rate. This brings peace of mind that we know where our funds are being spent and that they are categorized correctly and backed up by documentation.

Pros

This is a huge time saver from an administrative standpoint. The end user experience is really simple and intuitive. I feel confident I have documentation and accuracy in my expenses.

Cons

There needs to be a reporting function for reimbursements.

Alternatives Considered

Expensify

Reasons for Switching to Divvy

It's free, it's an all in one platform to get it done, and there is a lot less work on the end user.
David
  • Industry: Religious Institutions
  • Company size: 2–10 Employees
  • Used Daily for 6-12 months
  • Review Source
Value for Money
N/A
Features
5
Ease of Use
5
Customer Support
5

5
Reviewed on 16/12/2022

Divvy is an excellent resource

Pros

The UI on mobile app is very user friendly. It's free. And it saves considerable time compared to traditional expense and spend management solutions.

Cons

I have no substantive critiques... it might be nice to have a notification setting for reimbursement requests, I haven't seen that in the app.

Alternatives Considered

Expensify

Reasons for Switching to Divvy

Divvy was a better solution when I tried both.
Dena
  • Industry: Construction
  • Company size: 51–200 Employees
  • Used Daily for 1-5 months
  • Review Source
Value for Money
5
Features
5
Ease of Use
5
Customer Support
5

5
Reviewed on 15/12/2022

This is amazing!

Pros

The ease of setting up our Divvy account online was impressive. The ease of use for the field guys and the office has tremendously streamlined our process farther than I honestly thought ipossible.

Cons

I don't really have any complaints about Divvy, the only thing that I can say is that I wish the app was faster, but I think that has to do with technology and not the Divvy platform

Barrett
  • Industry: Retail
  • Company size: 201–500 Employees
  • Used Daily for 1-5 months
  • Review Source
Value for Money
5
Features
5
Ease of Use
5
Customer Support
5

5
Reviewed on 15/12/2022

Divvy Spend Pak A Sak Inc.

Pros

we like the platform for administration capabilities as well as the app layout and ease of use.

Cons

splitting transactions between departments/locations is a bit clunky and could be improved

Julieann
  • Industry: Education Management
  • Company size: 51–200 Employees
  • Used Weekly for 6-12 months
  • Review Source
Value for Money
5
Features
4
Ease of Use
4
Customer Support
5

5
Reviewed on 4/9/2020

Happy Divvy user

For both Admin and card holders, the whole experience is so fast and intuitive. Adoption was super easy, even for the people that didn't have the old software straight 2 years in. This has even made communications between regions and the National office more fun.

Pros

Ease of use for cardholders and ease of data sync between software and card were revolutionary in our office.

Cons

We're pretty sophisticated users and did not get everything we wanted out of the box. The software has been developing rapidly (and we have been able to help influence that) which makes it better. The gaps are closing. But the only true negative for us is that we dont' quite get it ALL the way we want it so far.

Miriam
  • Industry: Food & Beverages
  • Company size: 2–10 Employees
  • Used Weekly for 1+ year
  • Review Source
Value for Money
5
Features
5
Ease of Use
5
Customer Support
5

5
Reviewed on 3/2/2021

Seems too good to be true — but it's true

Expense management is not a stressor in my life because of Divvy, and for that I am eternally grateful.

Pros

Divvy is as simple as it gets with expense management. Everyone on the platform, from myself as the one who implemented it for our team to the newest employee just onboarding, has had such an easy time navigating it and understanding their role on the platform. It is intuitive, quick, and seamless. The customer service team is second to none and any time we've had a request or question we get help right away from the best team out there.

Cons

Business reporting could be made a little more nuanced for teams to be able to play with more views etc. in the dashboard, but this isn't a big enough con to move away from Divvy to anything else and they take innovation seriously. I won't be surprised to see more functionality here launch in the near future if enough customers are asking for it.

Alternatives Considered

Expensify

Switched From

Expensify
Darren
  • Industry: Airlines/Aviation
  • Company size: 1,001–5,000 Employees
  • Used Daily for 1+ year
  • Review Source
Value for Money
5
Features
4
Ease of Use
5
Customer Support
5

5
Reviewed on 9/12/2020

Very quick and easy to implement with great customer service

Overall I very impressed with Divvy and the constant innovation of making using and administing the card easy.

Pros

Very easy to integrate into our business and very user friendly software.

Cons

Out of pocket reimbursement. Be easier once approved Divvy sent check to individuals and charge the Divvy account vs ACH funds to Divvy.

Casey
  • Industry: Information Technology & Services
  • Company size: Self Employed
  • Used Daily for 1+ year
  • Review Source
Value for Money
5
Features
5
Ease of Use
5
Customer Support
5

5
Reviewed on 15/12/2022

Divvy Cannot Be Beat for Small to Mid-sized Businesses

Divvy's support is amazing. They chat back extremely quickly and are so polite and professional. Their product is unmatched. I've tried tons of different business cards and none of them had the features that Divvy does.

Pros

I really like how easy to use the web app and mobile app are and how quickly I can create a new budget with a set amount of funds, as well as a new card (either virtual or physical). The software and hardware cohesion is unmatched and I love how easy it is. The best part is that once I set it up, I don't have to mess with it very often. I just know that they'll keep all my budgets and funds the way I set it up.

Cons

I wish there was a feature to automatically categorize (for my taxes) based on merchant. Right now, you can set up automatic categorization based on budgets, but sometimes I'll use one budget for multiple vendors. Other than that, I really have no complaints.

Wayne
  • Industry: Information Technology & Services
  • Company size: 51–200 Employees
  • Used Daily for 2+ years
  • Review Source
Value for Money
5
Features
5
Ease of Use
5
Customer Support
5

5
Reviewed on 7/12/2022

Divvy Changed My Company

Life changing.

Pros

Divvy has made it possible for my business to expand as quickly as I need it to without the burden of cost. A great rewards program is the cherry on top of what is a tremendous service that I plan on never leaving.

Cons

The site breaks on rare occasion. This usually only requires a refresh of the browser, but can still be inconvenient.

Alternatives Considered

PEX

Reasons for Choosing Divvy

Repeated server problems prevented business flow.

Reasons for Switching to Divvy

Cost.
Marc
  • Industry: Primary/Secondary Education
  • Company size: 201–500 Employees
  • Used Daily for 1+ year
  • Review Source
Value for Money
5
Features
4
Ease of Use
4
Customer Support
5

4
Reviewed on 15/12/2022

Exactly what you need to manage expenses

I have been very happy with Divvy. The customer service, the simplicity of the system, the ability to budget are all been what we needed in an expense company credit card system.

Pros

It allows the creation of budgets. We can create budgets and give anyone access to a budget or not. Giving us the flexibility to give everyone a card and issuing funds on an as needed basis. Divvy also is constantly looking for ways to improve the product and make it better, for instance the dashboard of how many transactions need to be approved or completed.

Cons

It is hard to think of any, one thing I would like the ability to do would be to drag an email into the receipt box as a number of receipts are not attachments or pdfs. Watch they will upgrade the system to do this in the next release.I did think of one...card holders sometimes have been denied transactions when they have funds on their cards and or budgets. This has been very inconvenient for those traveling.

Kevin
  • Industry: Religious Institutions
  • Company size: 2–10 Employees
  • Used Daily for 6-12 months
  • Review Source
Value for Money
5
Features
4
Ease of Use
4
Customer Support
4

5
Reviewed on 28/10/2019

Divvy is a great product

It has eliminated missing receipts and automatically posts expenses to our accounting system (Quickbooks Online). Virtual cards eliminate overcharges and fraud.

Pros

We have had problems with volunteers and staff turning in credit card receipts. That is now a thing of the past - finally! It has totally eliminated that problem. When there is a missing receipt, now I know it within a couple days instead of a couple months. The users love it too because they don't have to worry about saving and turning in receipts as well. Just take a picture of it at the time of sale and they are done! The recent integration with Quickbooks was HUGE for us. Now most data entry of expenses is automatic as well. Very easy to use most of the time, and it's free!

Cons

Getting the hang of allocating budgets can be tricky. And if you have a budget used by multiple people it presents additional challenges trying to allocate funds between multiple people. Auto payments take a few days to free up funds. And virtual subscription cards don't reset until first business day of the month, which can be a problem if charges are attempted on the 1st and it is a weekend.

Kelly
  • Industry: Nonprofit Organisation Management
  • Company size: 11–50 Employees
  • Used Daily for 2+ years
  • Review Source
Value for Money
5
Features
5
Ease of Use
5
Customer Support
5

5
Reviewed on 10/12/2020

Divvy is BY FAR the best product for expenses!

Divvy is AMAZING! Their customer service team is very well trained. From implementation to my managing representative to regular customer service - Their team is top notch.

Pros

Divvy is easy to use for users and admins alike. The setup is very easy to do, and my organization was able to hit the ground running from the day we had cards in hand.

Cons

The only con is that it doesn't integrate with QuickBooks Desktop. There is a workaround that is very helpful. I am just waiting for the day when I can use it with Desktop.

Harrison
  • Industry: Building Materials
  • Company size: 201–500 Employees
  • Used Daily for 1-5 months
  • Review Source
Value for Money
5
Features
4
Ease of Use
5
Customer Support
2

4
Reviewed on 15/12/2022

Great Product, Feedback does not make it to the decision makers.

super fast close process, easy for employees to use.

Pros

ease of use, ability to assign funds fast and instantly (on the road even on my app). 100% card integration

Cons

approval workflows aren't greatno ability to send push notifications for "needs approval" why on earth is that not fixed?automated push notification on phone should be every 48 - 72 hours. (concur does this).once a week emails are spotty (dont actually send) and most of my managers have no idea they have something to approve. 1st round with production implementation specialist was lazy, non-responsive, "Goal of 24 hour response time" was a pathetic goal and was more like 2-3-4 days. by that time the context of the email was misunderstood and issues had to be repeated, repeated, repeated, new customer manager seems a lot better and Salesman Michael Gleason was always great.

Verified Reviewer
  • Industry: Mental Health Care
  • Company size: 501–1,000 Employees
  • Used Daily for 1+ year
  • Review Source
Value for Money
5
Features
4
Ease of Use
5
Customer Support
5

5
Reviewed on 24/2/2022

Divvy makes everyone's job easier

Divvy has been an enormous improvement to my company by putting purchasing into the hands of the end user, with adequate accounting & budget control. Our users now do not have to use their own money for business expenses and get reimbursed if they have a divvy card, and the accounting department has to do less purchasing/ordering for programs now that they can do it themselves. We are loving the constant updates that make the system more robust and flexible. The customer service is amazing, I always get timely and friendly help, and every feature of the system is well documented/explained so it is easy to understand.

Pros

Ease of use, customer service, customizability, constant improvements to the system and its capabilities

Cons

Slow loading of transaction data on the website, could use more robust pre-approval process including more than one approver of an expense before a funds transfer, & our physical card orders get lost/never delivered about 50% of the time

Jonathon
  • Industry: Environmental Services
  • Company size: 11–50 Employees
  • Used Daily for 6-12 months
  • Review Source
Value for Money
5
Features
4
Ease of Use
4
Customer Support
4

4
Reviewed on 13/8/2020

Great program!

Mostly positive. Hard to work with on the credit side and my account manager which is the one that seems to be able to actually make some big decisions doesn’t seem to care about responding or helping out company.

Pros

Easy to use and gives great control over employee spending.

Cons

Sometimes the account manager isn’t very responsive, but their everyday customer reps are great. Don’t appreciate their
Methods for extending credit To businesses and paying them through their portal is laughable. I’ve never had a company limit how much I can pay them each day.

Ashlee
  • Industry: Sports
  • Company size: 51–200 Employees
  • Used Daily for 6-12 months
  • Review Source
Value for Money
5
Features
3
Ease of Use
3
Customer Support
5

4
Reviewed on 25/2/2022

Aboutgolf

Pros

Overall, I enjoy the ease of use of the software. It's very easy to onboard new users, manage the cards, in addition to the access to virtual cards, and allocate budgets across the company.

Cons

Some of the functionality in the way you navigate the options can be confusing. I do hope they expand their platform and integrate or build out software to do more cost management analysis. I'm currently dumping the data into power BI to run analysis on our spend month over month.

Alternatives Considered

Airbase

Reasons for Choosing Divvy

Modernization

Reasons for Switching to Divvy

Integration
Becca
  • Industry: Marketing & Advertising
  • Company size: 11–50 Employees
  • Used Daily for 1+ year
  • Review Source
Value for Money
5
Features
5
Ease of Use
5
Customer Support
5

5
Reviewed on 6/12/2022

Love Divvy!

Pros

Love, Love, LOVE Divvy! This company is amazing - great customer service and easy to use chat feature on the website finds a solution to any question I have. Divvy credit cards and app have optimized our agency's expense management process while saving us at least 15 hours a month of manual processing. Uploading receipts is easy to do and our agency learned to categorize expenses and request reimbursements within a few weeks of showing them the process. I highly recommend this company/system/credit card to anyone and everyone I know!

Cons

Nothing! Absolutely love Divvy! There is nothing wrong with divvy.

Jon
  • Industry: E-Learning
  • Company size: 11–50 Employees
  • Used Daily for 1+ year
  • Review Source
Value for Money
5
Features
5
Ease of Use
5
Customer Support
5

5
Reviewed on 5/12/2022

Makes managing company expenses so easy!

Pros

I love Divvy it makes managing company expenses so easy. Virtual cards, tracking receipts, event/subscription budgets, etc!

Cons

I think it works great. If you do have an issue you can reach out to support and they will help you.

Alternatives Considered

Stripe and QuickBooks Desktop Enterprise
William L.
  • Industry: Medical Practice
  • Company size: 51–200 Employees
  • Used Daily for 1-5 months
  • Review Source
Value for Money
5
Features
5
Ease of Use
5
Customer Support
5

5
Reviewed on 18/2/2019

Divvy: Perfection; Being free is just a bonus.

Expense Tracking. Seamless, enjoyable, web and app based features.
Budgets. Seamless, enjoyable, web and app based features.
Customer Service. Doesn't get better than Divvy.
Decreased time spent reconciling, tracking, and other tedious tasks on credit cards easily by greater than 75%.

Pros

We switched from an old Visa card with no online functionality, lengthy customer service calls, and overall nothing more than a working credit card. Not to mention, it took 3 months to set up automatic payments every time we opened a new card.

Switching to Divvy was easy, free, and seamless. In an organization with 20 credit cards, they've saved us dozens of hours each month, improved accountability, and made using a credit card almost as fun as it can be. We also researched other paid products (e.g. SAP Concur) and Divvy is far and beyond a better UI with all necessary features while they continue to improve and build out other fancy features.

I 100% recommend Divvy to every business.

Their people and customer service is also top notch. I would definitely apply to Divvy myself if I was looking for a new job in their locations.

Cons

I have no improvements for Divvy. I cannot think of any scenario where it would not be appropriate.

401 reviews