- Top Divvy alternatives compared
- 1. Ramp
- 2. Brex
- 3. Airbase
- 4. Expensify
- 5. Spendesk
- 6. Navan
- 7. SAP Concur
- How to choose the right Divvy alternative
- Choose Ramp for smarter expense management
Divvy helped popularize the modern expense management category, but it's no longer the only option or, for many finance teams, the best one. Since BILL's acquisition of Divvy (now branded BILL Spend & Expense) in 2021, finance leaders have been looking elsewhere for platforms with stronger automation, better global capabilities, and more reliable support.
If you're evaluating Divvy alternatives, you have several options to consider in 2026, including:
- Ramp
- Brex
- Airbase
- Expensify
- Spendesk
- Navan
- SAP Concur
To compile this list, we looked at G2 ratings, customer reviews, and product capabilities across corporate cards and expense management to identify where each platform excels and who it’s built for.
Top Divvy alternatives compared
| Platform | Best for | Key features | G2 Rating | Minimum Pricing |
|---|---|---|---|---|
| Ramp | Mid-market companies seeking automation | Expense management, corporate cards, travel booking | 4.8 | $0; unlimited free tier |
| Brex | Startups and scaling teams | No personal guarantee, global capabilities | 4.8 | $0; basic capabilities |
| Airbase | Companies needing AP automation | Unified spend platform | 4.4 | Custom pricing |
| Expensify | Teams prioritizing receipt capture | SmartScan technology | 4.5 | $5 per user per month |
| Spendesk | Businesses operating across borders | Multi-currency support | 4.6 | Custom pricing |
| Navan | Travel-heavy teams | Integrated travel booking | 4.7 | $0; for up to 5 users |
| SAP Concur | Large enterprises | Enterprise-grade compliance | 4 | Custom pricing |
1. Ramp
Ramp is an all-in-one financial operations solution designed to tackle the most common expense management challenges businesses face, from handling employee reimbursements and tracking spending to managing receipts and generating financial reports. The platform also includes robust tools for travel booking and management, automated accounts payable (AP) workflows, and procurement capabilities.
By removing the need for manual data entry, Ramp gives your team instant, real-time insight into every dollar being spent across the business. Its corporate charge cards come built-in with expense policy enforcement and granular spending controls that can be applied at the budget, employee, department, or vendor level.
Everything is wrapped in a sleek, intuitive interface that makes onboarding fast and straightforward. And with a dedicated mobile app available for both iOS and Android, you can manage your finances from anywhere.
Ramp has earned a rating of 4.8 out of 5 stars on G2 based on more than 2,000 user reviews.
Key features
- Automated expense categorization: Transactions auto-categorize based on merchant data and your custom rules
- Real-time spend visibility: Track every dollar as it's spent, not days later
- Accounting integrations: Sync directly with accounting software such as QuickBooks, NetSuite, Sage, and Xero
- Virtual and physical cards: Issue unlimited cards with built-in spending controls
- Receipt matching: Automatically match receipts to transactions
- Analytics and reporting: Access customizable dashboards and real-time spend reports that give finance teams instant visibility into trends, budgets, and cost-saving opportunities
- Approval workflows: Set up automated, multi-level approval chains with custom routing rules to ensure every expense gets the right sign-off before it's processed
Why finance teams choose Ramp over Divvy
Ramp stands out from Divvy thanks to its clean, intuitive interface that makes expense management straightforward. Receipt capture is a breeze, with a simple snap-and-upload process that keeps expenses organized without any extra effort.
Ramp offers solid budget and permission controls through its virtual card platform and takes employee reimbursements a step further with a noticeably smoother, more efficient process. More than 50,000 businesses have already saved $10 billion and 27.5 million hours by switching to Ramp.
Pricing
Ramp offers a powerful free tier that includes all of its core features. Ramp Plus costs $15 per user per month and adds advanced capabilities like multi-entity support. Ramp Enterprise offers custom pricing for larger organizations.
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2. Brex
Brex is a strong fit for startups and scaling teams that need more than just an expense card. It combines corporate cards, cash management, and global capabilities, all without requiring a personal guarantee from founders. Brex is rated 4.8 out of 5 stars on G2.
Key features
- No personal guarantee: Build business credit without personal liability
- Global spend management: Support for international currencies and vendors
- Integrated cash account: Earn yield on idle cash balances
- Expense management: Automated receipt capture and policy enforcement
Why finance teams choose Brex over Divvy
Brex takes expense notifications to the next level, offering proactive alerts that keep your team engaged and on top of spending in ways Divvy can't match. When you need help, Brex's support team consistently delivers fast, effective responses, giving it a clear edge in overall quality of service.
Pricing
Brex offers tiered pricing based on company size and feature needs. The Essentials tier is free for eligible companies and includes core spend management and banking features. The Premium tier costs $12 per user per month, and custom enterprise pricing is available.
3. Airbase
Airbase (now a Paylocity company) is a unified spend platform that brings corporate cards, accounts payable, and employee reimbursements into a single cohesive system. Designed with mid-sized businesses in mind, it simplifies financial workflows by combining approval automation, real-time spend visibility, and multi-subsidiary support all under one roof. Airbase (Paylocity) has earned a G2 rating of 4.4 stars.
Key features
- All-in-one spend management: Corporate cards, bill pay, and reimbursements in one place
- Guided procurement: Intake forms route requests to the right approvers
- Real-time reporting: Custom dashboards for spend visibility
- Amortization schedules: Automatically spread prepaid expenses
Why finance teams choose Airbase over Divvy
Airbase appeals to teams that want a consolidated platform rather than Divvy's narrower focus on cards and expenses. Managing all non-payroll spend in one place gives you tighter control and clearer visibility across the entire procurement and payment life cycle.
Pricing
Airbase pricing is custom, based on your company's size, transaction volume, and module requirements.
4. Expensify
Expensify is a strong pick for teams that prioritize simplicity and best-in-class receipt capture in their expense reporting process. Its SmartScan technology extracts key details from receipts, reducing manual entry and making it popular among frequent travelers and small-to-medium-sized businesses looking for a no-fuss solution. Expensify is rated 4.5 out of 5 stars on G2.
Key features
- SmartScan: AI-powered receipt scanning and data extraction
- Automatic mileage tracking: GPS-based mileage logs
- Per diem support: Built-in daily allowance calculations
- Credit card import: Sync transactions from existing cards
Why finance teams choose Expensify over Divvy
Expensify wins on ease of use, which drives high employee adoption. Its mature SmartScan receipt technology is highly accurate and reduces manual data entry for employees and approvers alike.
Pricing
The Collect plan is $5 per user per month, while the Control plan starts at $9 per user per month.
5. Spendesk
Spendesk is a strong fit for European companies, or global businesses with significant European operations, that need robust multi-entity or multi-currency support to manage spend across subsidiaries. It's earned 4.6 out of 5 stars on G2.
Key features
- Multi-entity management: Manage spend across subsidiaries from one platform
- Invoice processing: Automated capture and approval workflows
- Virtual cards: Instant issuance for one-time or recurring payments
- Budget tracking: Real-time visibility into department budgets
Why finance teams choose Spendesk over Divvy
Headquartered in Europe, Spendesk is built with GDPR compliance and regional requirements at its core. Strong multi-currency support and the ability to manage separate legal entities from a single dashboard make it a strong choice for companies with a meaningful European presence.
Pricing
Spendesk uses custom pricing based on your number of users, transaction volume, and specific needs.
6. Navan
Navan is the top pick for travel-heavy teams that need a tightly integrated solution for booking travel and managing corporate card expenses in one place. Beyond its core functionality, Navan offers built-in policy enforcement, real-time spend visibility, and rewards incentives that encourage employees to make cost-conscious travel decisions. It holds a 4.7 rating on G2.
Key features
- Integrated travel booking: Book flights, hotels, and cars within the platform
- Travel policy enforcement: Automatically apply company travel rules at booking
- Corporate cards: Expense management built into the travel experience
- Duty of care: Real-time traveler tracking and alerts
Why finance teams choose Navan over Divvy
Navan combines travel and expense management in a way Divvy can't match. That integration covers the full business travel process, from booking to reconciliation, giving you tighter control and visibility over a category that's notoriously hard to manage.
Pricing
Navan offers a free level for up to five users. Further pricing varies based on travel volume and feature requirements, often combining subscription fees with transaction-based pricing.
7. SAP Concur
SAP Concur is the established, enterprise-grade option for large global companies with complex compliance, security, and regulatory requirements. Its deep integration ecosystem connects seamlessly with ERP systems, HR platforms, and third-party tools, making it a natural fit for organizations that need robust customization and scalability across multiple regions and currencies. G2 gives it 4 out of 5 stars.
Key features
- Enterprise compliance: Built for complex regulatory and audit requirements
- Travel management: Comprehensive travel booking and policy enforcement
- Invoice processing: Large-scale AP automation
- Global coverage: Support for virtually any country and currency
Why finance teams choose SAP Concur over Divvy
Large enterprises pick SAP Concur for its scalability and deep compliance features. It's built to handle global operations, intricate approval hierarchies, and stringent audit trails that smaller platforms like Divvy simply can't support.
Pricing
SAP Concur uses custom pricing quoted to the needs of a large organization, making it best suited for enterprise-level budgets.
How to choose the right Divvy alternative
Choosing an expense management platform comes down to finding the right fit for your company’s needs while ensuring it can scale with you. Evaluate your options across these six key areas.
Company size and growth stage
Your company's size directly affects which platform fits best. Startups may prioritize a no-personal-guarantee option like Brex, while fast-growing mid-market companies often need the deeper automation and controls Ramp provides.
Integration requirements
Before evaluating platforms, inventory your current accounting software, HRIS, and ERP systems. Not all alternatives integrate equally well, and a clean connection to your financial tech stack is critical to avoiding manual reconciliation work.
Budget and pricing model
Pricing structures vary widely, from free tiers and per-user pricing to transaction-based fees. Match the model to your budget and projected usage so you don't overpay for features you won't use or underbuy and outgrow the platform too quickly.
Global payment needs
If you have international vendors, remote employees, or multi-currency requirements, prioritize platforms with strong global capabilities. Look specifically at payment coverage, currency conversion rates, and international card issuance.
Approval workflows and policy enforcement
Consider how each platform handles spending controls and approval chains. If your organization requires multi-level approvals, custom expense policies, or department-level budget enforcement, make sure the platform can accommodate that complexity without requiring heavy manual oversight.
Reporting and analytics
The ability to slice and analyze spend data is essential for finance teams looking to make informed decisions. Look for platforms that offer customizable dashboards, real-time reporting, and exportable data so you can surface insights quickly without relying on outside tools or manual spreadsheets.
Choose Ramp for smarter expense management
The best expense management software depends on your company’s size, industry, and goals, but the right solution should give you visibility, control, and automation across every dollar spent. By considering your size, integrations, budget, and multi-currency needs, you can find a platform that fixes today’s challenges and scales with your growth.
Ramp makes that choice simple. As the only platform that combines corporate cards, expense management, bill payments, and procurement in one place, Ramp delivers the automation and insights you need to save time and money. With a free core platform, deep integrations, and powerful AI-driven savings tools, Ramp is built to help businesses of all sizes manage spend more effectively.
Try an interactive demo to see why companies choose Ramp to streamline their finances and start saving from day one.
FAQs
Divvy is now called BILL Spend & Expense. The name changed after BILL acquired Divvy in 2021.
Yes. BILL acquired Divvy and has rebranded the product as BILL Spend & Expense. It's part of the broader BILL product suite, though many long-time users still refer to it as Divvy.
Most top Divvy alternatives offer dedicated migration support. Their implementation teams can help you transfer card programs, port historical transaction data, and configure spending policies on the new platform to keep the transition smooth.
The core product remains similar, but some users have reported changes in the customer experience following the acquisition. Common feedback points to shifts in support responsiveness, product development priorities, and the overall integration strategy within the broader BILL ecosystem.
“Browserbase builds infrastructure so AI agents can do real work. Ramp is doing the same for finance. It’s not another tool. It’s a system purpose-built for AI-driven finance, and that’s why we chose Ramp as our financial operating system from day one.”
Paul Klein IV
Founder & CEO, Browserbase
“We used to pay up to $20k a year for our AP platform. With Ramp, we’re earning back well over that amount. That's money that belongs to the mission now, not to the back-office software.”
Heidi Coffer
Chief Financial Officer, Boys & Girls Clubs of San Francisco
“The tricky thing about corporate travel policy is timing. We didn't need a stricter policy. We needed the policy to show up earlier. With Ramp Travel, it finally does.”
Keith Frantz
Director of Enterprise Risk Management, Prosper
“We're accountable to our funders, our partners, and the families we serve. That accountability starts with how we manage every dollar. Ramp makes it easy for our team to spend wisely, track in real time, and keep overhead low so more resources reach the families navigating infertility.”
Rachel Fruchtman
CFO, Jewish Fertility Foundation
“Each member of our team has an outsized impact due to our focus on using high-leverage tools like Ramp.”
Lauren Feeney
Controller, Perplexity
“With Ramp, we haven’t had to add accounting headcount to keep up with growth. The biggest takeaway is that instead of hiring our way through it, we fixed the workflow so we can keep supporting the organization as we scale.”
Melissa M.
VP of Accounting at Brandt Information Services
“In the public sector, every hour and every dollar belongs to the taxpayer. We can't afford to waste either. Ramp ensures we don't.”
Carly Ching
Finance Specialist, City of Ketchum
“Compared to our previous vendor, Ramp gave us true transaction-level granularity, making it possible for me to audit thousands of transactions in record time.”
Lisa Norris
Director of Compliance & Privacy Officer, ABB Optical
