Top 5 Divvy competitors for spend management in 2025

Your business success depends on how well you manage spending, and you’ll want to carefully choose a solution that empowers smart spending rather than constraining it. While Divvy has established itself as a popular choice for many businesses, certain scenarios may prompt organizations to explore alternatives. Let's examine five reasons why you might need to consider a different solution.

1. Limited international payment capabilities

Divvy's domestic-focused platform may not effectively help companies operating globally. The platform's restricted international payment features and currency conversion options often fall short for businesses with employees or card transactions in multiple countries. Companies frequently find themselves struggling with vendor payments across borders, slow employee reimbursements in local currencies, and complex international banking requirements. Modern alternatives like Brex and Wise have built their platforms with global businesses in mind, offering robust multi-currency support that reduces foreign transaction fees.

2. Integration constraints

While Divvy provides basic integrations with popular accounting software, organizations with complex tech stacks may find its integration capabilities restrictive. Companies working with specialized industry software or requiring custom API connections often struggle to achieve the seamless data flow they need. Real-time synchronization between systems can be particularly challenging, especially when managing multiple entities or subsidiary accounts. Enterprise-grade alternatives like Brex offer more sophisticated integration capabilities, allowing for robust connections with existing systems and more flexible API access for custom solutions.

3. Scalability concerns

As organizations grow, they may outpace Divvy's capabilities. Companies frequently encounter limitations when managing multiple entity structures or implementing complex approval workflows. High transaction volumes can strain the system, and implementing sophisticated spend controls becomes increasingly challenging. Modern spend management platforms are highly scalable and offer advanced features specifically designed for growing organizations, including multi-entity management from a single dashboard as well as customizable workflow automation for your specific needs.

4. Limited reporting and analytics

Organizations requiring deep financial insights might find Divvy's reporting features inadequate for their needs. The platform's basic customization options for reports and limited historical data analysis capabilities can restrict financial teams from gaining detailed insights as quickly as they need. Many businesses require more sophisticated analytics tools to understand their spending patterns and make data-driven decisions. Alternative solutions like Brex provide advanced analytics capabilities, offering customizable dashboards and detailed data visualization options that help organizations better understand and control their spending in real time.

5. Customer support and implementation challenges

Some organizations experience difficulties with Divvy's support and implementation processes. Complex account setups can become time-consuming without adequate guidance, and technical troubleshooting often requires more specialized support than what's readily available. Training and onboarding new users can also present challenges, particularly for larger organizations with specific requirements. Enterprise-focused spend management alternatives typically offer more comprehensive support options, including dedicated account managers and specialized implementation teams that ensure a smooth transition and ongoing operational success.

Alternative platforms may offer features and support structures that better align with your organization's requirements. When evaluating options, focus on solutions that address your current challenges while providing room for future growth. Remember, the ideal spend management solution should streamline your financial operations while providing the flexibility and functionality your business needs to thrive.

Brex delivers an integrated financial management platform that combines spend management, corporate cards, and the best business banking solutions in one cohesive system. Originally designed for startups and tech companies, the platform has evolved to serve businesses of all sizes with sophisticated financial tools. Brex's platform emphasizes automation and real-time visibility, helping organizations streamline their financial operations while maintaining precise control over spending. The solution particularly excels in handling international transactions and providing detailed analytics for data-driven decision-making.

Key features

• Comprehensive business expense tracking with AI-powered receipt matching and real-time transaction categorization. The platform automatically captures and processes receipts, eliminating manual data entry and reducing errors.
• Supports seamless payments across 100+ countries with competitive exchange rates and multi-currency expense management, enabling efficient international business operations.
• Combines high-yield business accounts with strategic payment scheduling and vendor management tools, offering a complete solution for treasury management and cash flow management and optimization.
• Offers customizable, department-specific spending policies and dynamic approval chains that adapt to your organization's structure. Teams can set granular controls and automate routine approvals while flagging exceptions.
• Features direct workflow integrations with major accounting platforms, automated reconciliation, and real-time financial data syncing. The system automatically categorizes transactions and maintains audit-ready records.
• Provides instant transaction visibility and dynamic card controls that can be adjusted instantly. Managers can monitor spending patterns and adjust limits in real time based on business needs.
• Streamlines accounts payable with automated invoice processing, payment scheduling, and vendor management tools. The platform intelligently routes invoices, tracks payment status, and maintains vendor relationships.
• Enables seamless technical integrations with existing business software through extensive API capabilities, allowing companies to build custom financial workflows and maintain data consistency across systems.

Why people prefer Brex over Divvy

Businesses frequently choose Brex for its comprehensive financial toolkit and superior automation capabilities. Brex’s ability to handle both domestic and international transactions seamlessly within a single interface makes it particularly attractive for companies with global operations. Organizations appreciate Brex's sophisticated expense management features, including real-time tracking and automated expense reconciliation, which significantly reduce manual work compared to Divvy's more basic expense tracking. Additionally, Brex's modern interface and robust API capabilities often appeal to tech-savvy companies looking for deeper system integrations.

Pricing

Brex pricing is transparently structured with three main tiers. Brex Essentials is free for qualifying companies and provides access to corporate cards and essential expense management tools. The Premium plan, at $12 per month per user, includes advanced reporting and multi-entity support. Enterprise customers receive custom pricing with dedicated support and advanced customization options. All plans include core banking features and expense management tools, with no hidden fees or minimum transaction requirements.

Who should consider Brex

Brex is particularly well-suited for high-growth companies managing complex financial operations, especially tech companies, venture-backed startups, and organizations with global operations. The platform's sophisticated automation tools and multi-currency support make it ideal for businesses with lots of international transactions or managing multiple entities, while its scalable offerings support everything from early-stage startups to established enterprises. Organizations prioritizing financial automation like vendor payment automation, real-time spend visibility, and streamlined workflows will find Brex's modern approach to financial management particularly valuable, especially if they need robust integrations with existing software systems. The platform's comprehensive toolkit serves companies looking to consolidate their financial operations, from expense management to global payments, making it an excellent choice for forward-thinking businesses seeking to modernize their financial infrastructure.

“In evaluating spend management solutions, we went super deep on the product and just really kind of fell in love with it. Brex really stood head and shoulders above the rest because administrators have the fewest number of touches and the fewest number of manual processes." — Teddy Collins, Vice President of Corporate Finance, SeatGeek

Airbase unifies spend management, bill payments, and corporate cards into a single platform designed for mid-market and enterprise companies. The solution brings together accounts payable automation, corporate cards, and employee expense management in one place, providing improved visibility into company spending. Airbase's platform emphasizes advanced approval workflows and detailed audit trails, making it particularly useful for companies with complex accounting needs.

Key features

• Virtual and physical cards for spend management
• Bill payment automation
• Advanced approval workflows
• Real-time reporting and expense tracking

Why people prefer Airbase over Divvy

Organizations frequently select Airbase for its sophisticated approval workflows and robust accounting automation capabilities. The platform's ability to handle complex amortization schedules and multi-entity accounting makes it particularly attractive for companies with advanced financial requirements. Finance teams appreciate Airbase's comprehensive audit trails and detailed reporting features, which provide deeper visibility into spending patterns and enhance compliance management.

Pricing

Airbase offers three pricing tiers, all of which require customizable pricing based on the size of the organization, its usage requirements, and features or services. The Standard package includes core spend management features and basic automation tools. The Premium plan comes with advanced approval workflows and enhanced reporting capabilities. Enterprise packages offer full platform functionality with dedicated support and advanced customization options. All plans include unlimited users and domestic ACH payments.

Who should consider Airbase

Airbase is ideal for mid-market and enterprise companies seeking comprehensive spend management with enhanced accounting capabilities, particularly organizations managing complex approval workflows or multiple entities. The platform best serves businesses that require detailed audit trails, advanced automation features, and seamless accounting integration across their financial operations. However, Airbase may not be the best fit for small businesses, startups, or organizations with simple spending workflows due to its highly customized pricing and complex feature set. Companies with basic expense management needs or those looking for a simplified, low-cost solution should explore Airbase alternatives that are better suited to their scale and requirements.

Brex vs Airbase

Expensify specializes in digital expense management and reporting using intelligent automation and mobile-first design. The platform transforms receipt tracking and expense reporting with SmartScan technology that automatically reads receipts, categorizes expenses, and creates expense reports. Expensify's focus on the user experience makes it appealing for organizations looking to simplify their expense management processes while maintaining robust tracking and compliance.

Key features

• Receipt scanning and expense categorization
• Integration with accounting tools like Xero, QuickBooks, and NetSuite
• Mobile app for on-the-go expense tracking
• Robust approval workflows for expense management

Why people prefer Expensify over Divvy

Organizations often choose Expensify for its mobile experience and sophisticated receipt scanning technology, which significantly reduces manual data entry. The platform's intuitive interface and automated expense report generation will appeal to companies prioritizing user adoption and efficiency in their expense management processes.

Pricing

Expensify structures its pricing with transparent, per-user options. The Collect plan starts at $5 per user per month and offers basic expense and receipt tracking. The Control plan, at $9 per user per month, adds advanced approval workflows and corporate card management. Teams requiring custom workflows and dedicated support can opt for the Enterprise plan with custom pricing. All plans include unlimited receipt scanning and basic integrations.

Who should consider Expensify

Expensify is a good fit for small or midsize organizations seeking a user-friendly expense management solution with powerful automation capabilities, especially those with frequent business travelers or employees making regular purchases. The platform best serves businesses that prioritize mobile accessibility, efficient receipt processing, and streamlined expense reporting workflows. However, the platform may not be the right fit for organizations requiring comprehensive accounts payable automation, advanced vendor management features, or sophisticated multi-entity structures. Companies needing extensive expense management customization or those looking for advanced cash management features should consider Expensify alternatives.

Fyle offers cloud-based software for small businesses that need additional expense management tools to go with their legacy business credit cards. The platform offers features such as receipt scanning, automatic expense Spendesk delivers an all-in-one spend management platform that combines virtual cards, expense management, and invoice processing. The European-born solution offers robust spend controls and approval workflows designed specifically for midsize companies. Spendesk's platform emphasizes proactive spend management, enabling finance teams to control company spending before it happens while providing employees with the flexibility they need to make business purchases.

Key features

• Corporate cards and virtual cards for business spending
• Expense approval workflows and policy enforcement
• Integrated invoicing and bill payment
• Budgeting and real-time financial insights

Why people prefer Spendesk over Divvy

Companies frequently choose Spendesk for its strong presence in European markets and native support for multiple currencies and payment methods common in European business operations. Spendesk’s proactive approach to spend management, allowing finance teams to control expenses before they occur, resonates with organizations seeking tighter financial controls. Teams particularly value Spendesk's user-friendly interface and dedicated customer success support throughout the implementation process.

Pricing

Spendesk offers three primary pricing tiers tailored to company size and needs. The Essentials plan provides core spend management features, virtual and physical cards, and basic approval workflows. The Scale plan adds advanced automation capabilities, basic multi-entity management, spend dashboards, and dedicated account support. The Premium package enterprise accounting and HR integrations, unlimited entity management, and AI-based automation. Pricing is customized based on the number of users and specific company requirements.

Who should consider Spendesk

Spendesk is ideally suited for midsize European companies or international organizations with significant European operations seeking a basic spend management solution, particularly those requiring strong multi-currency support. The platform best serves businesses wanting to implement proactive spending controls while maintaining employee purchasing flexibility. However, companies primarily operating in North America or those requiring extensive US-specific integrations may find Spendesk's European focus limiting for their needs. Organizations requiring specialized US tax compliance features or deep integration with US-based financial systems should consider alternatives tailored to the American market.

Ramp combines corporate cards with intelligent spend management and accounting automation to help businesses identify cost-saving opportunities. The platform leverages artificial intelligence to analyze spending patterns and automatically identify potential savings across subscriptions, vendor contracts, and expense categories.

Key features

• Corporate cards (physical and virtual)
• Basic expense tracking and reporting
• Account activity monitoring
• Expense policy enforcement

Why people prefer Ramp over Divvy

Organizations frequently select Ramp for its unique approach to cost optimization and its ability to actively identify savings opportunities across all business spending. The platform's advanced automation capabilities and commitment to helping businesses reduce expenses, combined with its no-fee structure, make it particularly attractive for cost-conscious organizations.

Pricing

Ramp maintains a straightforward pricing model: the platform is free to use with no software fees or card fees. Revenue is generated through card interchange fees, making it a cost-effective solution for businesses of all sizes. Additional features like bill pay and custom integrations are available for a fee, while core expense management, corporate cards, and basic accounting integrations remain free.

Who should consider Ramp

Ramp is ideally suited for growth-focused US companies seeking to optimize their spending while streamlining financial operations, particularly those with significant card expenses and a focus on cost reduction. The platform best serves businesses looking to consolidate their financial tech stack while automating expense management processes. However, Ramp may not be the best fit for businesses requiring extensive international payment capabilities or those with complex multi-entity structures requiring sophisticated parent-child relationship management. Organizations needing advanced global payment features or complex hierarchy management should explore Ramp alternatives that can better support international operations. When specifically weighing Ramp vs Brex, many international businesses gravitate toward Brex's more robust global payment capabilities.

Brex stands out as a comprehensive financial management solution that unifies expense management, corporate cards, and banking tools into one powerful platform. The platform's AI-powered automation and real-time analytics help organizations streamline their financial operations while maintaining precise control over spending across domestic and international markets.

Several Divvy alternatives like Airbase, Expensify, Spendesk, and Ramp each offer unique strengths in spend management, but Brex's versatility sets it apart through its ability to scale alongside growing businesses. Whether you're looking to manage your business startup costs or you’re an established company handling complex financial operations, Brex's modular approach allows organizations to activate features as needed. This flexibility extends to international operations, with built-in support for global payments and multi-currency management that many competitors' domestic-focused platforms lack.

Where Divvy offers basic spend management features, Brex differentiates itself through sophisticated financial tools that address common pain points. Its real-time expense tracking and automated receipt matching eliminate manual reconciliation work, while advanced expense reporting and spend controls offer more granular budget management than Divvy's standardized approach. Brex's dedicated vendor management portal and sophisticated cash management tools provide deeper financial insights and controls, making it particularly valuable for companies seeking more comprehensive financial optimization.

Ty Barton, Senior Manager of International Accounting at Signifyd, says: “Brex has been a tremendous time saver when it comes to reconciliation and expense management, especially since Brexʼs direct integration with NetSuite allows us to manage all entity spend in one dashboard."

Sean Soper, Head of Accounting and Financial Operations at web3 developer platform Alchemy, adds: “Before Brex, we had Bill.com for invoicing and corporate cards through Bank of America, and we used our payroll provider for reimbursements. A unified approach to all of this with Brex has really streamlined the process.ˮ

Brex's commitment to innovation and customer success has positioned it as the go-to solution for forward-thinking businesses. The platform's modern interface, combined with its robust financial tools and competitive pricing structure, delivers immediate value while scaling seamlessly with your business growth. Sign up for Brex today to experience the future of financial management and join thousands of successful businesses using Brex to make every dollar count.