Divvy is an expense management software for businesses. This startup is a Utah-based company that began in 2017. Divvy's free expense management platform budgets, tracks & forecasts company spending, securely manages payments & subscriptions and eliminates expense reports. Divvy gives transparency & insights into spending in real-time, from any device, allowing companies to make informed cash flow decisions, curb losses before they happen, and eliminate the need for cumbersome expense report & reimbursement processes. Divvy's software is available throughout the United States and in the Virgin Islands. 

Blake Murray, the CEO, and Co-founder created this company from nothing and turned Divvy into what it is today. It continues to experience significant growth and has produced many brand-new ways to track your expenses, as well as, give the customer access to all of its top of the line products for free. 

Its new approach to expense management caught the attention of Insight Venture Partners, a large investment firm that specializes in helping small software companies have the resources and knowledge to get to the next level. With Insight Venture Partners support, Divvy has received over $57 million in investment dollars.

Divvy is completely FREE, and always will be.

The Good

  • Free Expense Management Software and Credit Card
  • Secure Credit Card
  • Brand New Expense Management Features
  • Positive Customer Reviews

Free Expense Management Software and Credit Card

Divvy’s program services are entirely free. This means you do not have to pay anything to the company for access to all of its services. There are no per-user fees or a monthly subscription. No hidden charges or costs make Divvy an excellent option for businesses at any phase of development.

MasterCard® issues Divvy's corporate credit card. When customers use a Divvy credit card to make a purchase, the vendor pays a fee to the bank and MasterCard®. Divvy gets a portion of this fee, which is how the company makes a profit and allows customers access to this management platform for free. 

Secure Credit Card

Divvy's credit card has more protections than almost all credit cards in the industry. Divvy is PCI compliant, which means it follows the Payment Card Industry Data Security Standard. It hosts all of its data securely, so customers don’t need to worry about significant credit card schemes affecting their corporate card. As well, Divvy never sells its clients’ data.

Divvy has a virtual credit card, as well as a personal card for its users. With both types of cards, this company offers clients a card to work for any kind of online purchase or expense.

Divvy also has automatic fraud detection on all of its cards. Its multi-factor authentication protects your business’s sensitive information. Users can also sign in with their face or fingers.

Businesses owners can control who has access to view various budgets and information. As well, it does not allow employees or anyone to withdraw from an ATM or get cash back which is another way that Divvy safeguards your company’s money and information.

Brand New Features

Divvy has lots of nice new features that simplify the expense management process and keep track of business funds. Users can access Divvy on a computer or a mobile phone with the Divvy Pay app. Divvy's mobile app works on iOS 10 and newer. It also is compatible with Android 5.0.1 and newer. The Divvy App does not cost anything on the App Store or Google Play Store.

Along with its mobile app, Divvy's software is compatible with any website browser, including Microsoft's Windows and Google's Chrome.

It is easy to create a budget and add any employees to the budget. This tool helps managers track their team expenses and funds. Divvy tracks all of your business expenses and allows you or your team to store photos of receipts. It also follows any cost in real time and forecasts budgets for upcoming months. Users can update budgets, send money, and request cash at any time.

Divvy software is also useful for accounting and expense reporting. It will produce your companies expense reports and track these expenses, so your accountant has a clearer picture of how to get you a tax refund.

Divvy uses physical cards and allows users to create virtual cards for one-time uses or recurring uses. The card has bonus features for using its card along with free access to its software. Divvy offers businesses discounts on travel and flexible rewards (including cash back) all purchases. On average Divvy can beat Hotels.com, Expedia, and all other large travel companies by 15%-50%. It can offer lower prices on tickets and hotels making the company's travel expenses much cheaper. On top of discounts on travel, Divvy provides 1-7x rewards points on all expenditures, with the ability to ramp up rewards if you choose a faster billing cycle.

Positive Reviews

Divvy's platform enables the customer to have access to all of Divvy's tools and software, and it is simple and clear on how to use it. It doesn't charge you extra if your company begins using a different tool or service. Its clients have had only positive things to say because of this.

Divvy will first set up a free demo for businesses that are interested in its product. Its employees will personally answer any of your questions and help your team-members step-by-step by setting up an account before you ever decide to use its services. Along with this, the representative will give your business a free $100 in your account for finishing the demo. These steps, have helped customers tremendously and have made its customer experience overall a positive experience.

Customer service is also a strong point for Divvy; individuals can call their offices 24/7 and receive help with their account, assistance in setting up an account, or with just their questions. As well, for those who don't want to wait on hold, Divvy has employees who are ready to chat back and forth with people in real time throughout the entire day.

Business is clear on what both Divvy expects and what you will get from using them. No hidden fees or costs have been reported, customers have been able to use the platform easily, and customers have had only positive things to say.

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The Bad

  • Only Available to Businesses
  • Minimum Spending Requirement

Only Available to Businesses

Divvy is designed to be used by businesses. It cannot be used by individuals to track personal expenses. This product works for any company from real estate to law firms, but if you’re looking for an expense tracking tool for your own expenses, Divvy is not the best option for you.

Minimum Spending Requirement

Although this software is free, your company will need to use the Divvy Credit Card and spend $5,000 a month to use the software. For companies, this may be a small inconvenience but nothing more than that. By doing this, it gives you access to everything on the Divvy's platform all for free.

The Bottom Line

Divvy is a great, secure way to manage business expenses. With Divvy being free this is an excellent way for companies to keep from wasting time on these reports. Although this company has only been in business for a few years, it only offers these deals to businesses, and it requires a minimum spending amount, this company is one of the best we reviewed. With the reports that Divvy offers, your return on taxes, as well as using the simple but useful budgeting tools, you and your team will save hundreds if not thousands of dollars yearly with this company.

This software is very secure and uses various methods to safeguard your company’s information. Its brand new features make managing and reporting business finances simple and convenient for its users. Whether you're a small business owner or are someone helping a large business owner looking for a great expense management software, Divvy is an excellent option.

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User Reviews

Star Rating

4.9
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37 Reviews

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Brian Thueson
March 29th, 2019 Orem, UT DETAILS
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Divvy gives me complete control of the credit card use of each employee. Divvy gives me full visibility and implementation of our expense policy. Customer service is great. Our rep monitors our account and when transactions get declined for whatever reason, they quickly follow-up to make sure that the problem is resolved. QuickBooks integration still requires WebConnect files instead of DirectConnect. Statements are difficult to work with.

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M. Bowman
March 15th, 2019 San Diego, CA DETAILS
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We are able to categorize transactions after the purchase using custom fields that are searchable. Funds are allocated to a person, not a specific credit card number. Our team can switch between a physical card and virtual cards; those transactions can be categorized in a way specific to our organization. This flexibility has completely changed the way we do business. No exaggeration when I say Divvy is a game-changer. This is a new software so it can be buggy and slow at times. However, Divvy has consistently and timely addressed issues and is continually investing back in the product. After working with Divvy, I have come to respect the integrity of the organization. The staff are not only knowledgeable, but strive to create an experience that is light-hearted and fun. An unexpected treat coming from a credit card company.

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Aaron Vernon
March 7th, 2019 South Bend, IN DETAILS
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Divvy has been a huge help for us by filling our expense tracking needs in a user friendly and highly customizable manner. Divvy frees up our small finance/accounting team from employee reimbursement backlogs and expense hunting for client invoices. Divvy's support team is very helpful and responsive as well.

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Hillary Carver
February 22nd, 2019 Springville, UT DETAILS
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Divvy's software is simple and user friendly. It's easy to keep track of expenses and sort through what needs attention and what's ready to go to the expense report.

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John E
February 20th, 2019 Seminole, TX

I love Divvy's ability to capture receipts and being able to manage funds. They have excellent customer service.

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William Duffy
February 20th, 2019 Lincoln, NE

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.

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Brenda
October 15th, 2018 Salt Lake City, UT DETAILS
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Divvy rocks! It's super easy to set up & use. They are ridiculously helpful with getting the ball rolling. They whole team loves it. They even called to help with a problem they saw on the backend before we knew it was a concern--talk about customer service! We are delighted. The only frustration would be the app is finicky/glitchy sometimes. Whatever the cause, I'm sure they'll kick it's butt soon because that's how they roll.

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Tony G.
October 12th, 2018 Midvale, UT DETAILS
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As a manager with many field employees, Divvy allows me to track spending and enable efficient spending in the field while maintaining all the important controls over our budgets.

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Jon Beck
October 3rd, 2018 Eagle Mountain, UT DETAILS
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Love the ability to organize and monitor the spending in each organization I work with. As an outsourced CFO\Controller this is everything! Love the mobile ability and the QB imports! Customer support is quick and super responsive. Great job Divvy!

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Jeremy Smith
October 2nd, 2018 Lehi, UT DETAILS
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Divvy is a great new company and is going to take the industry by storm. We have been able to better control and have more visibility into budgets and targets with Divvy. The customer service has been great and the reps of the company have been good to work with.

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Christopher
October 1st, 2018 Greenville, SC

Divvy is an absolute lifesaver! I cannot recommend this product enough!!! As an outsourced CFO/Controller to clients both big and small, Divvy provides me the tools I need to help run the day to day business of my clients. No more chasing down receipts and expense reports. No more wondering how much we've spent in a certain area or on a certain product. Divvy is constantly upgrading and improving the feature sets too. They truly listen to their clients, and their customer service is some of the best for any industry. I would encourage any business out there to use them - they combine all of the tools you need into a single location!

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Kody
October 1st, 2018 Spanish Fork, UT DETAILS
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I run catering for 12 locations and trying to keep up on getting all my drivers what they need to do there job was a nightmare and now life is easy and everything so organized and easy to stay in a budget.

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Jordan
October 1st, 2018 American Fork, UT DETAILS
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Great software! Really helps with organizing financials & keeping everything in one spot. Also the virtual cards feature is great for making sure you don't get overcharged on anything. Customer service is top-notch as well.

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Daren Haws
October 1st, 2018 Draper, UT

Divvy provides a lot of nice features for a free service. It's impressive how quickly the cards reflect budget increases, or can be frozen when necessary. The budget controls and ability to set up virtual cards on-the-spot has been very handy, and gives me peace of mind as I manage my company's spending.

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Dennis C.
October 1st, 2018 Boise, ID DETAILS
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Great customer service. Service made my life easier! We can keep track of budgets, requests, spending all in one platform. I would like to see more control over classes, and more on the accounting side. But overall I love the service!

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Duke Heninger
September 27th, 2018 Salt Lake City, UT DETAILS
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I am a controller/CFO for multiple companies. I signed up with Divvy almost a year ago for one of my clients because credit card management was difficult and department heads had to wait a month before knowing what the total spend was. Game changer. Along the way, Divvy made improvements to their software which made customization and back-end work better. I am now trying to get Divvy for all of my other clients because of the transparency, ease of use for the cardholders, and because it makes life so much easier for the accountants.

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Tony Epperson
September 27th, 2018 Chandler, AZ

Divvy has been extremely great to work with! They've been extremely responsive and proactive to any issues that have arisen or questions they've been asked. I highly recommend companies using Divvy as the service is free and the experience is wonderful

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Ben Faux
September 27th, 2018 Salt Lake City, UT

I inherited Divvy from our prior Controller. When I came on board, their customer service was excellent to work with in getting me set up, and helping me understand the platform. Divvy is very helpful with helping us watch our spend.

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Bailey
September 27th, 2018 Lindon, UT DETAILS
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If you run a business you know the struggles that come with employees, departments, and subscriptions all needing access to company funds. You need certain people to have access to funds, but not ALL of the funds, and let's not even mention the headache of collecting receipts and auditing company spending. (All they need to do is save the receipt, right?) Divvy has all of the answers to managing business credit cards and allocating money for employees and departments! Divvy makes it simple [for me, the tracker-of-spending]! I create a budget and allocate funds. I can manage all of my department's spending, whether they are running a new campaign, building a new product, or out on the road for an event. IT'S THAT SIMPLE! As it should be. Thanks, Divvy.

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Kaelen
September 27th, 2018 Lehi, UT DETAILS
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We love the product that Divvy offers! It makes expense management much easier and more secure than traditional expense management systems. We especially love the control that it gives us with managing subscription software expenses with virtual cards.

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Jesse DeGroff
September 27th, 2018 Woodinville, WA DETAILS
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Divvy = Cashflow Simplicity! The dashboard is so easy to use and controlling budgets and employee spending, just WOW! As a CEO and owner of several companies, this has helped organize and streamline how we follow expenditures. I have not found anything like it, and FREE! Easily saves me 5-10% revenue!

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Tim Johnson
September 27th, 2018 Leawood, KS DETAILS
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I implemented Divvy a couple of months ago to try and eliminate or greatly reduce manual expense reports and it has worked out wonderfully. Managers love the ability to have real time visibility of their employees T&E spend and are taking a more active role in the process. In Accounting, we no longer have old, outstanding expense reports or have to input them into Quickbooks as a simple export feature from Divvy to QB accomplishes that. And our Account Executive and the Customer Support people at Divvy have been great with options to easily contact them with online chat rooms as well as phone calls or emails or looking at FAQ's. Both the phone app and the computer website are easy to use and intuitive.

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Tanner Lacey
September 27th, 2018 American Fork, UT DETAILS
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Really easy to use and really straight forward. I can't believe no one has really had this idea before. Not only does it track all of our expenses, it costs us ZERO dollars and we get cash back at the end of the year. The sales and on-boarding team has been great to work with. It also makes my life so much easier that I can just give everyone inside the company a card and not have to worry about reimbursements... Really happy with Divvy

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Sharique
September 27th, 2018 Cedar Rapids, IA DETAILS
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Divvy is a great platform for entrepreneurs who always find to monitor their monthly spending

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Kenneth Koch
September 27th, 2018 El Dorado Hills, CA DETAILS
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These folks at Divvy are really relative and available. I found myself with a smile on my face more times than I would expect when working on financing. They were trusting and easy to work with as well as had my back when I needed it most.

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Joshua Cohen
September 27th, 2018 Chicago, IL DETAILS
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Generally people hate expense management platforms, but I rolled Divvy our several months ago and everyone loves it. As a finance person it's so great to be able to set budgets and people enjoy following them, and their slick app makes it easy to manage expenses. It is still very much a beta product however, often encounter minor bugs/glitches and there are a few features that really need to add (such as better receipt management), but overall very happy with the platform.

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Bryce Ebeling
September 27th, 2018 Oceanside, CA DETAILS
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My company has been using Divvy for about 90 days. The platform is great tool to easily track expenses and reporting. The budgeting functions could be a bit more intuitive, but they are working on that. Customer service is FANTASTIC and always resolve issues immediately.

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Bryan Lee
September 27th, 2018 Midvale, UT DETAILS
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I can't say how delighted I was to find Divvy. Purchasing power for technicians in the field has always been a hassle, either because we were locked into a credit card from one retailer, or because expense tracking was cumbersome, and to was very difficult to control spending on individually issued credit or debit card. When we found that Divvy combined the best of both worlds (purchasing and expense tracking), and saw that we had the ability to control budgets, and freeze cards if necessary, it was a no-brainer. We were able to issue cards to as many people as needed to make purchases without worrying about overspending, and it has made our entire team more conscious of the purchasing decisions we're all making. Their support and customer service has also been fantastic.

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Dennis Garcia
September 26th, 2018 Saint George, UT

I love the control Divvy provides to our company. Being able to set budgets and divvy out funds is a perfect setup.

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Lorenzo Tatum
September 26th, 2018 Austin, TX DETAILS
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My company has been using Divvy for just over a month. The software/tool is great and easy way to track the expense reporting from employees. Onboarding our employees was very easy, and our Customer Service Rep. has been very helpful, friendly and very responsive via email/calls. The Divvy team has been very receptive to feedback given. Travis Roofing Supply loves the tool!!!!

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Mike Ebert
September 26th, 2018 Washington, UT

Why Divvy? Because it makes my work life and expenses simple. I love the virtual card feature where you can set a budget for an expense and have it bill specifically to that "virtual credit card". Thats just the beginning, we use Divvy to purchase for projects –– we can set budgets for each project and see any variances. This keeps us profitable and certain we aren't over spending on projects. I love the feature for each user with a divvy card to "request funds" for example a gas card for an employee that only buys fuel. When they are at the pump they simply request funds and it tracks against our fuel budget. It is only continually getting better and I can't wait to grow with Divvy as a critical piece to our success...Thanks Divvy -Mike

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Bryan Nguyen
September 26th, 2018 Austin, TX DETAILS
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Divvy has helped us eliminate expense reporting completely. We now have complete control over our spending and have eliminated all "surprise" transactions. This has led to quicker monthly close and a more consistent monthly spend! Any time we've ever needed anything, we have multiple direct contacts that are only a phone call or email away, and they usually solve our problems same-day.

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Kris Giles
September 25th, 2018 Huntsville, UT DETAILS
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Divvy has made expense reporting a breeze. I used to dread when my expense reports were due but not any more. Also, I love having the app where I can quickly update or check fund availability at any time. The app allows me to put in notes and take pictures of receipts as soon as I make a purchase so I don't have to think about it later.

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Hal Halladay
September 25th, 2018 Lehi, UT DETAILS
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Divvy makes managing expenses and controlling costs so easy and scalable. The mobile app lets you know what budget you have to spend and allows you to request funds. It tracks expenses by category and provides easy upload to Quickbooks. Because employees can only spend what has been "divvied," you can push spending to the people that need it while managing risk. Divvy onboarding and service has been excellent.

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Connor Swofford
September 25th, 2018 New York, NY DETAILS
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Great idea that with each month keeps improving upon their existing features. Easy to be able to set budgets and give certain managers ownership over their funds!

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Andres
September 25th, 2018 Key Biscayne, FL DETAILS
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I truly enjoy Divvy. It provides me with corporate cards for my team and a travel platform at no cost. The people at Divvy are very responsive and always ready to assist us if any way possible to make our experience better. Thank you guys!

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Sterling Snow
September 21st, 2018 Winnemucca, NV DETAILS
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Divvy is simply incredible. A product that allows us to manage all spend and not deal with expense reports, so many perks. And it's FREE! Love Divvy customer service as well.

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