Divvy vs SAP Concur: 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.
SAP Concur
6.8(8,200 reviews)
Enterprise expense and travel management platform from SAP covering expense reports, travel booking, invoicing, and compliance controls.
Quick Comparison
| Aspect | Divvy | SAP Concur |
|---|---|---|
| Best For | US-based companies that want truly free expense management and are willing to switch to Divvy cards | Multinational corporations operating in 10+ countries that need global tax compliance and VAT reclaim |
| Pricing Model | Freemium | Contact Sales |
| Starting Price | Free | $8/mo |
| Deployment | cloud | cloud |
| Platforms | WEB, IOS, ANDROID | WEB, IOS, ANDROID |
| Rating | 8.0/10 | 6.8/10 |
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
SAP Concur
Pros
- Unmatched global tax compliance with VAT reclaim in 30+ countries and per-diem rules by city
- Native SAP ERP integration with real-time posting to S/4HANA eliminates manual journal entries
- Handles travel booking, expenses, and invoices in one connected platform with shared data
- Supports 48,000+ customers globally so finding implementation partners and training resources is easy
- Audit trail and compliance reporting meet the requirements of even the most demanding regulatory environments
Cons
- User interface feels outdated compared to modern expense tools and employees consistently rate it poorly
- Implementation takes 3-12 months depending on complexity and requires a systems integrator at additional cost
- Mobile receipt capture is slower and less accurate than Expensify, Ramp, or Fyle
- Overkill for companies under 500 employees or operating in a single country without complex compliance needs
- Pricing is opaque and typically requires negotiation with sales making budgeting difficult upfront
Pricing Comparison
| Product | Pricing Model | Starting Price |
|---|---|---|
| Divvy | freemium | Free0 |
| SAP Concur | contact sales | $8/mo |
Our Verdict
Choose Divvy if...
US-based companies that want truly free expense management and are willing to switch to Divvy cards
Choose SAP Concur if...
Multinational corporations operating in 10+ countries that need global tax compliance and VAT reclaim
Still Not Sure?
Explore more alternatives or read in-depth reviews to make your decision.