Divvy vs Mercury: Which Should You Choose in 2026?
Choosing between Divvy and Mercury comes down to understanding what each tool does best. This comparison breaks down the key differences so you can make an informed decision based on your specific needs, not marketing claims.
By Toolradar Team · Last updated February 28, 2026 · Methodology
Short on time? Here's the quick answer
We've tested both tools. Here's who should pick what:
Divvy
Business expense management and corporate cards
Best for you if:
- • Divvy is an expense management platform with corporate cards and automated expense reports
- • It provides real-time spend visibility, budget controls, and integrates with accounting software
Mercury
Banking for startups
Best for you if:
- • You want the higher-rated option (8.8/10 vs 8.4/10)
- • Banking built for startups
- • No monthly fees or minimums
| At a Glance |  Divvy |  Mercury |
|---|---|---|
Price | Free | Free |
Best For | Accounting | Accounting |
Rating | 84/100 | 88/100 |
| Feature | Divvy | Mercury |
|---|---|---|
| Pricing Model | Free | Free |
| Editorial Score | 84 | 88 |
| Community Rating | No ratings yet | No ratings yet |
| Total Reviews | 0 | 0 |
| Community Upvotes | 0 | 176 |
| Categories | AccountingExpense Management | AccountingExpense Management |
How Divvy and Mercury Compare
Divvy
Business expense management and corporate cards
Free · 84/100 score
Mercury
Banking for startups
Free · 88/100 score
Who Should Use What?
On a budget?
Both are free. Compare plans on their websites.
Go with: Divvy
Want the highest-rated option?
Divvy: 84/100. Mercury: 88/100.
Go with: Mercury
Value user reviews?
Neither has user reviews yet.
Go with: Mercury
3 Questions to Help You Decide
What's your budget?
Both are free. Pricing won't help you decide here.
What's your use case?
Both are accounting tools. Compare their specific features to decide.
How important are ratings?
Mercury scores higher: 88/100 vs 84/100.
Key Takeaways
Mercury
- Higher score: 88/100 vs 84
- More community upvotes (176)
- Completely free
- Our pick for this comparison
Divvy
The Bottom Line
Mercury (88/100) is our pick.
Frequently Asked Questions
Is Divvy or Mercury better?
Mercury scores 88/100 in our evaluation. Both are free.
What are Divvy and Mercury used for?
Divvy: Business expense management and corporate cards. Mercury: Banking for startups.
What does Divvy cost vs Mercury?
Divvy is completely free. Mercury is completely free. Visit their websites for detailed pricing.