Rho vs Divvy: Which Should You Choose in 2026?
Choosing between Rho and Divvy 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.
Short on time? Here's the quick answer
We've tested both tools. Here's who should pick what:
Rho
Integrated business banking, corporate cards, and treasury management for growing companies.
Best for you if:
- • All-in-one platform for business banking, corporate cards, and treasury.
- • Automates expense management and vendor payments with AI.
Divvy
Business expense management and corporate cards
Best for you if:
- • You want the higher-rated option (8.4/10 vs 0.0/10)
- • 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
| At a Glance |  Rho |  Divvy |
|---|---|---|
Price | Free | Free |
Best For | Expense Management | Expense Management |
Rating | —/100 | 84/100 |
| Feature | Rho | Divvy |
|---|---|---|
| Pricing Model | Free | Free |
| Editorial Score | — | 84 |
| Community Rating | No ratings yet | No ratings yet |
| Total Reviews | 0 | 0 |
| Community Upvotes | 0 | 0 |
| Categories | Expense ManagementAccounting | Expense ManagementAccounting |
Understanding the Differences
Both Rho and Divvy solve similar problems, but they approach them differently.Rho positions itself as "integrated business banking, corporate cards, and treasury management for growing companies." while Divvyfocuses on "business expense management and corporate cards". These differences matter depending on what you're trying to accomplish.
When to Choose Rho
Rho makes sense if you're looking for a completely free solution.
When to Choose Divvy
Divvy is worth considering if you need a free tool. Scoring 84/100, it edges ahead in our evaluation.
Who Should Use What?
Bootstrapped or small team?
When every dollar counts, Rho lets you get started without pulling out your credit card.
We'd pick: Rho
Growing fast?
Your team doubled last quarter and you need tools that won't break when you add 50 more people. Divvy is built for teams that are leveling up.
We'd pick: Divvy
Enterprise with complex needs?
You need SSO, compliance certifications, and a support team that picks up the phone. Both have enterprise tiers—compare their security features.
We'd pick: Divvy
Still not sure? Answer these 3 questions
How much can you spend?
Nothing at all? Rho is completely free.
Do you care what other users think?
Both have similar review counts. Read a few before you commit.
Expert opinion or crowd wisdom?
Our team rated Divvy higher (84/100). But the community has upvoted Divvy more (0 votes). Pick your source of truth.
Key Takeaways
What Divvy Does Better
- Higher overall score (84/100)
- Our recommendation for most use cases
Consider Rho If
- You need a completely free solution
- Its specific features better match your workflow
- You prefer its interface or design approach
The Bottom Line
If we had to pick one, we'd go with Divvy (84/100). But the honest answer is that "better" depends on your situation. Divvy scores higher in our analysis, but Rho might be the right choice if its specific strengths align with what you need most. Take advantage of free trials to test both before committing.
Frequently Asked Questions
Is Rho or Divvy better?
Based on our analysis, Divvy scores higher with 84/100. Rho isfree while Divvy is free. The best choice depends on your specific needs and budget. We recommend testing both with free trials if available.
Can I switch from Rho to Divvy easily?
Migration difficulty varies. Check if both tools support data export/import in compatible formats. Some tools offer migration assistance or have integration partners who can help with the transition.
Do Rho and Divvy offer free trials?
Most software in this category offers free trials or free tiers. Rho is completely free.Divvy is completely free. Visit their websites for current trial offers.