Divvy vs Fyle: Complete Comparison 2026
An in-depth comparison of features, pricing, and user experience to help you make the right choice.
Divvy
8.0(3,200 reviews)
Free expense management platform with virtual and physical corporate cards, real-time budgeting, and automated receipt matching by BILL.
Fyle
8.2(1,600 reviews)
AI-powered expense management that works inside Gmail, Outlook, Slack, and credit card apps for real-time receipt capture and reporting.
Quick Comparison
| Aspect | Divvy | Fyle |
|---|---|---|
| Best For | US-based companies that want truly free expense management and are willing to switch to Divvy cards | Companies that struggle with expense report compliance and want to minimize employee friction |
| Pricing Model | Freemium | Subscription |
| Starting Price | Free | $6.99/mo |
| Deployment | cloud | cloud |
| Platforms | WEB, IOS, ANDROID | WEB, IOS, ANDROID |
| Rating | 8.0/10 | 8.2/10 |
Pros & Cons
Divvy
Pros
- Genuinely free expense management software with no per-user charges or hidden fees
- Real-time budget controls prevent overspending by declining cards when limits are reached
- Virtual cards for subscriptions solve the zombie subscription problem and give instant visibility
- Receipt matching is automatic — swipe the card and attach the receipt from a push notification
- Part of the BILL platform which adds AP automation and vendor payments if needed
Cons
- Requires using Divvy Visa cards exclusively — no option to bring your existing corporate cards
- International support is limited with cards working primarily in the US market
- Credit check requirement can result in low initial spending limits for newer or smaller companies
- Customer support is inconsistent — fast for simple issues but slow for complex billing disputes
- Multi-currency expense management is weak compared to dedicated international expense tools
Fyle
Pros
- Works inside Gmail, Outlook, and Slack so employees never need to open a separate expense app
- Real-time credit card reconciliation matches transactions to receipts as they happen, not at month-end
- Works with any Visa, Mastercard, or Amex corporate card — no proprietary card required
- Receipt extraction AI handles most clear receipts with 93%+ accuracy on first scan
- Dramatically reduces time spent on expense reports from 20 minutes to about 3 minutes per report
Cons
- Travel booking module is basic and cannot compete with dedicated travel management platforms
- International per-diem management lacks the depth of tools like Zoho Expense or SAP Concur
- Custom reporting options are limited — finance teams at larger companies will want more flexibility
- Low brand recognition means your CFO and auditors may need convincing before adoption
- No free plan available — the $6.99/user starting price is fair but not free like some competitors
Pricing Comparison
| Product | Pricing Model | Starting Price |
|---|---|---|
| Divvy | freemium | Free0 |
| Fyle | subscription | $6.99/mo |
Our Verdict
Choose Divvy if...
US-based companies that want truly free expense management and are willing to switch to Divvy cards
Choose Fyle if...
Companies that struggle with expense report compliance and want to minimize employee friction
Still Not Sure?
Explore more alternatives or read in-depth reviews to make your decision.