Pleo vs Expensify vs Divvy: Which Business Card & Expense Tool Wins in 2026?

Pleo, Expensify and Divvy all tackle business cards and expense management — but they take very different approaches. Here's an honest, side-by-side look at which fits small teams, growing companies, and heavy receipt-chasers in 2026.

The three approaches, in one line each

Pleo is card-first with built-in accounting integrations — good if you want company cards plus automated bookkeeping. Expensify is receipt-and-report-first — ideal if employees travel a lot and you live in expense reports. Divvy (now part of Bill.com) is budget-and-control-first — best if you need strict spend limits and approval workflows.

Pricing and what you actually pay for

Pleo charges per active card per month, which scales with team size. Expensify's free tier covers basic receipt scanning, but advanced features (corporate cards, multi-level approvals) cost more. Divvy is free for the software layer but charges card interchange and processing fees. If you have a small team (2-10 cards), Pleo is often the simplest all-in price; if you have many occasional users who only submit receipts, Expensify's per-reporter model can be cheaper.

Cards and controls

Pleo and Divvy both issue physical and virtual cards with real-time spend controls (merchant category, amount, time-of-day). Expensify doesn't issue cards itself — it's a software layer you pair with existing corporate cards, which gives flexibility but less native control. If you want one vendor for both cards and controls, Pleo and Divvy win; if you want to keep your existing bank's cards, Expensify fits.

Receipts and bookkeeping

Expensify's SmartScan receipt OCR is the strongest in the category — it's their core product and it shows. Pleo's receipt capture is good and integrates directly into Xero/QuickBooks. Divvy's receipt handling is adequate but not a standout. If receipt-heavy travel expenses are your pain point, Expensify edges ahead; if you want receipts to flow straight into your accounting software with minimal setup, Pleo is smoother.

Integrations and who they're built for

Pleo integrates natively with Xero, QuickBooks, Fortnox, FreeAgent and others — strong for UK and EU small businesses. Expensify has the broadest integration list (including NetSuite, SAP) but often needs more configuration. Divvy/Bill.com leans toward US markets and larger accounting stacks. If you're a UK small business on Xero or QuickBooks, Pleo's pre-built integrations save the most setup time.

Who should pick which

Pick Pleo if you want company cards + automated bookkeeping with minimal setup, especially on Xero/QuickBooks. Pick Expensify if your team travels heavily and submits lots of receipts against existing cards. Pick Divvy if you need granular budget controls and approval workflows for a larger team. All three offer referral or trial perks — check the current offer before signing up.

FAQs

Is Pleo good for a small UK business?

Yes — Pleo is popular with UK small businesses for its Xero/QuickBooks integrations and straightforward per-card pricing. The 10% referral perk helps offset the first month.

Does Expensify work with any company card?

Yes — Expensify is card-agnostic. You can use it with any corporate card, which makes it flexible if you already have a preferred provider.

Is Divvy free?

Divvy's software is free; costs come from card interchange and processing fees. That works well for some businesses and not others depending on spend volume.

Can I switch between these tools easily later?

Data export is supported by all three (CSV, accounting integrations), but switching means re-onboarding your team and re-importing history. Pick based on your primary need, not just the referral perk.

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