Alternatives
Best Divvy alternatives in 2026
Data compiled by Toolradar Updated How we rate
Cite this list: Toolradar, best Divvy alternatives 2026, toolradar.com/alternatives/divvy
6 direct alternatives to Divvy, compared on pricing, features, and best-for use cases. Pick the right replacement without the marketing fluff.
Quick answer
- Ramp is the top alternative to Divvy on our list, followed by Payhawk and Spendesk.
- 3 of the 6 alternatives have a free plan, starting with Ramp.
- Highest rated: Ramp, 4.8 out of 5 from 2,727 ratings, Sep 2026.
- 6 alternatives
- 3 with a free plan
Top 3 alternatives to Divvy
Ramp
#1 Top pickCorporate cards and expense management
Starting price
From $15 /mo
Cheapest paid plan, monthly, as of October 2026
4.8 /5 across G2 and Capterra · 2,727 ratings, Sep 2026
Our take
Best overall
Payhawk
#2AI-powered platform for expense management and financial coordination for global teams.
Starting price
From $299 /mo
Cheapest paid plan, monthly, as of October 2026
4.5 /5 across G2 and Capterra · 1,101 ratings, Sep 2026
Spendesk
#3Centralized spend management for businesses, offering control, efficiency, and real-time insights.
Pricing
Contact sales
4.6 /5 across G2 and Capterra · 649 ratings, Sep 2026
Divvy vs 6 alternatives
| Tool | Starting price (Oct 2026) | Free plan | Rating |
|---|---|---|---|
 | Price: Free | Free plan: Yes | 4.5 out of 5, from 2,237 ratings on G2 (2,237) |
| Price: $15/mo | Free plan: Yes | 4.8 out of 5, from 2,727 ratings across G2 and Capterra (2,727) |
| Price: $299/mo | Free plan: No | 4.5 out of 5, from 1,101 ratings across G2 and Capterra (1,101) |
| Price: Contact sales | Free plan: No | 4.6 out of 5, from 649 ratings across G2 and Capterra (649) |
 | Price: $12/mo | Free plan: Yes | 3.6 out of 5, from 2,343 ratings across G2, Capterra and Trustpilot (2,343) |
 | Price: $20/mo | Free plan: Yes | 4.6 out of 5, from 182 ratings across G2 and Capterra (182) |
 | Price: $299/mo | Free plan: No | 3.7 out of 5, from 238 ratings across G2 and Trustpilot (238) |
Why people consider alternatives to Divvy
Divvy combines corporate cards with expense management software. Employees spend on Divvy cards, managers see transactions in real-time, and finance gets the controls they need. Budgets set spending limits.
Teams most often switch away when one of these starts to bite:
- A feature or quota ceiling that a paid specialist covers and this free tool does not.
- Missing integrations with the rest of your stack.
- Performance or scale limits as your needs grow.
- A specific feature gap you have hit in finance.
The 6 alternatives below cover the same core job (finance) with different trade-offs.
Divvy by the numbers
Toolradar data: It is listed as an alternative to 19 other tools on Toolradar, ranking #11 of 90 in Expense Management. As of Nov 2026.
- #44 (joint) most-listed alternative in Finance, out of 643 tools in Finance. Source: Toolradar data, Nov 2026.
- #21 most-listed alternative in Accounting, out of 289 tools in Accounting. Source: Toolradar data, Nov 2026.
| Metric | Divvy | Peer median | Position (1 is best) |
|---|---|---|---|
| Free plan | Yes | 50% have one | n/a |
| Listed as an alternative to | 19 tools | 3 | #11 of 90 |
| User rating | 4.5/5 (across the web, 2,237 ratings) | 4.5/5 | #19 of 59 (joint) tools with 20+ reviews |
| Compare-page visits, last 30 days | 31 visits | 48 | #13 of 19 (joint) tools with 20+ compare-page visits |
Listed as an alternative to: #11 on 2026-10-16 to #11 on 2026-11-02 (rank among 90 tools, 1 is best).
Each position is counted among the tools that have data for that row, as noted under it. All Expense Management data · How we compute this. Advertising and placement fees are not inputs to any position. Visit counts include visits from every source.
Cite this: Toolradar, “Divvy by the numbers”, Nov 2026.
Finance leaderboards from Toolradar data
Toolradar ranks Finance tools on one measure at a time, only where at least 8 tools have data. As of Nov 2026.
Lowest entry price, plans with no stated unit
Cheapest standard paid plan per month (annual prices divided by 12), read on vendor pages and compared only with tools priced on the same basis.
Counted among 149 tools with no stated price unit, verified price.
| # | Tool | Entry plan |
|---|---|---|
| 1 | Stablebuzz | $1.11/mo |
| 2 | Rainforest | $1.49/mo |
| 3 | Bloxley | $2.99/mo, billed monthly |
| 3 | Quicken | $2.99/mo, billed monthly |
| 5 | Invoicera | $3.60/mo, billed monthly |
Lowest entry price, per-user plans
Cheapest standard paid plan per month (annual prices divided by 12), read on vendor pages and compared only with tools priced on the same basis.
Counted among 24 tools priced per user, verified price.
| # | Tool | Entry plan |
|---|---|---|
| 1 | Abacus Expense | $8/user/mo, billed monthly |
| 1 | Factorial HR | $8/user/mo, billed monthly |
| 1 | RabbitWork | $8/user/mo, billed monthly |
| 4 | Beebole | $9/user/mo, billed monthly |
| 4 | Bonsai | $9/user/mo, billed monthly |
Lowest entry price, flat team plans
Cheapest standard paid plan per month (annual prices divided by 12), read on vendor pages and compared only with tools priced on the same basis.
Counted among 12 tools priced as a flat team plan, verified price.
| # | Tool | Entry plan |
|---|---|---|
| 1 | Neat | $4.17/mo flat, billed yearly |
| 2 | Daily Connect | $8.99/mo flat, billed monthly |
| 3 | Invoice Ninja | $14/mo flat, billed monthly |
| 4 | Wave | $19/mo flat, billed monthly |
| 5 | Rentec Direct | $25/mo flat, billed monthly |
Most visited, last 30 days
Distinct visitor sessions on the tool's Toolradar page over the last 30 days, with bots excluded by our analytics. A session counts once however many times it reloads the page.
Counted among 9 tools with 50+ visits.
| # | Tool | Visits |
|---|---|---|
| 1 | Kick | 121 visits |
| 2 | Marloo | 120 visits |
| 3 | Atome | 111 visits |
| 4 | Pump Cloud | 110 visits |
| 5 | Fyle | 103 visits |
Most media coverage, last 30 days
Number of distinct articles published in the last 30 days by independent press, blogs and newsletters that mention the tool. A story carried by several outlets counts once; the vendor's own blog, review sites, forums and republishing sites do not count.
Counted among 12 tools mentioned in the last 30 days.
| # | Tool | Articles |
|---|---|---|
| 1 | BitGo | 9 articles |
| 2 | Cross River | 6 articles |
| 3 | Modern Treasury | 3 articles |
| 3 | QuickBooks | 3 articles |
| 3 | TrueLayer | 3 articles |
A position exists only when at least 8 tools have data for that metric. 185 of 643 Finance tools have a verified price; the others publish none we could read (often "contact sales"). Advertising and placement fees are not inputs to any position. Visit counts include visits from every source. How we compute this. Cite this: Toolradar, “Finance leaderboards”, Nov 2026. Data licensed CC BY 4.0. All Finance statistics.
6 alternatives to Divvy
Ranked by G2 and Capterra ratings, media mentions, and editor review, plus how directly they replace Divvy.
- 1
Ramp
Free plan Higher rated by usersCorporate cards and expense management
4.8 /5 across G2 and Capterra · 2,727 ratings, Sep 2026
From $15/user/mo, billed monthly; free plan available
- 2
Payhawk
Paid Battle-tested at scaleAI-powered platform for expense management and financial coordination for global teams.
4.5 /5 across G2 and Capterra · 1,101 ratings, Sep 2026
From $299/mo, billed monthly
- 3
Spendesk
PaidCentralized spend management for businesses, offering control, efficiency, and real-time insights.
4.6 /5 across G2 and Capterra · 649 ratings, Sep 2026
Price not published
- 4
Brex
Free plan Battle-tested at scaleCorporate cards and spend management for startups
3.6 /5 across G2, Capterra and Trustpilot · 2,343 ratings, Sep 2026
From $12/user/mo, billed monthly; free plan available
- 5
Mercury
100% freeBusiness banking for startups. Open an account online in minutes
4.6 /5 across G2 and Capterra · 182 ratings, Sep 2026
From $240/year
- 6
Carta
PaidEquity management and cap table software
3.7 /5 across G2 and Trustpilot · 238 ratings, Sep 2026
From $299/mo, billed monthly
Frequently asked questions
What is the best alternative to Divvy?
Based on real-signal scoring (G2 and Capterra ratings, media mentions, and editorial review), the top alternatives to Divvy are Ramp, Payhawk, Spendesk. Each solves the same core job with different trade-offs on pricing, features, and integrations.
Is there a free alternative to Divvy?
Divvy is already 100% free (no paid upgrade path). Mercury is another fully free option listed here (Business banking for startups. Open an account online in minutes). Freemium tools on this list have a free tier plus paid plans; they are not the same as 100% free.
Why do people look for Divvy alternatives?
Common reasons teams switch away from Divvy even though it is free: missing integrations with the rest of their stack, performance or scale limits, or a specific feature gap in finance. The alternatives on this page solve the same core problem with a different feature set.
Side-by-side comparisons
In-depth comparison pages for Divvy versus each alternative.
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