BILL Spend & Expense (Divvy) vs Soldo
On the evidence we track, BILL Spend & Expense (Divvy) leads this comparison with a composite score of 65/100. Scores are only directly comparable because these tools share a category; the full breakdown and every source is below.
Capabilities
Feature-by-feature on the axes that matter for spend management. “-” means undocumented, not absent.
What each one is
The product in its own terms, so the numbers below have context.
BILL Spend & Expense (Divvy)
LeaderA business expense management solution that provides corporate cards with automated receipt capture, AI-powered expense coding, and approval workflows while integrating seamlessly with accounting systems.
Soldo
A spend management platform that issues prepaid Mastercard cards to employees and teams while providing real-time spending controls, automated expense matching via OCR, and integration with accounting systems for streamlined reconciliation.
Pricing
List pricing as published by each vendor, with the date we read it. Always verify at the source before you buy.
BILL Spend & Expense (Divvy)
LeaderFree Spend & Expense tier ($0/user/month); AP/AR subscriptions from Essentials tier (per-user monthly); additional per-transaction fees for checks, ACH, instant transfers, and international payments
- Spend & ExpenseFree
- physical and virtual cards
- budget management
- expense tracking
- credit lines
- Accountant Console$49/month
- manage multiple clients
- resell AP/AR services
- NASBA-certified CPE training
- EssentialsPer-user/month (specific price not disclosed)
- TeamPer-user/month (specific price not disclosed)
- CorporatePer-user/month (specific price not disclosed)
- full feature users
- lower-cost approver-only users
- EnterpriseContact sales
- multi-entity support
- custom configuration
Soldo
From £27/month with 30-day free trial. No free tier.
- Standard£27/month
- Physical or virtual Soldo cards
- Outbound bank transfers
- User permissions and role management
- Apple Pay and Google Pay support
- Receipt capture via mobile app
- +1 more
- Plus£39/month
- Multi-currency spending
- Automated receipt capture with OCR
- Temporary virtual cards
- Fuel cards
- Instant card issuance
- +3 more
- UnlimitedContact sales
- Unlimited company wallets
- Unlimited users
- Unlimited Soldo cards
- Unlimited outbound bank transfers
- Role-based access and controls at scale
- +2 more
Platform & deployment
Where each product runs and how it can be hosted. A dash means undocumented, not unsupported.
Integrations
What each product connects to. Counts come from the vendor's own integration directory where one exists.
- Xero
- NetSuite
- Sage Intacct
- Okta
- QuickBooks
BILL Spend & Expense (Divvy)
Leader- QuickBooks Online
- Oracle NetSuite
- Box
- Microsoft
- G Suite
- Centrify
- AuthO
- Microsoft Dynamics
Soldo
- Exact Online
- DATEV
- ZTravel
- SAP Concur
- TravelPerk
- Amazon Business
- FreshBooks
- Zoho Invoice
- Microsoft Dynamics 365
- Oracle e-business suite
- Certinia
- Odoo
- Workday
- Slack
- Google Workspace
- Oracle HCM Cloud
- Egencia
- BizAway
- Sage
- Microsoft Teams
- Bamboo HR
BILL Spend & Expense (Divvy) or Soldo: which one depends on you
A composite score cannot know your constraints. Describe them and both get re-weighted against what you actually need, with the evidence behind every position.
Free to run, no account needed to start. How the evaluation works
Comparison generated from independently-sourced facts. Every value links to its source and retrieval date. See the method.