The Divvy mobile app

Divvy enables your team with the tools they need to Spend Smarter™ on the go. Manage budgets, expenses, and more from the palm of your hand—all for free. Download from your favorite app store, or request a demo to see the full platform in action.

divvy on a horizontal phone

Manage the full lifecycle of spend in a single app


Activate physical cards and create and manage virtual cards.


Manage assigned budgets and request additional funds.


Spend on your single physical card from any assigned budget.


Track and manage expenses with line-by-line transactions.


Categorize transactions, log receipts, and add notes.

divvy mobile card screen


Cards for all employees

No more card sharing. Divvy provides cards for all of your employees to use with assigned budgets.

Activate physical cards

All users can activate their Divvy card directly within the application and start spending immediately.

As many virtual cards as you need

Avoid overspend and fraudulent transactions by managing vendors, subscriptions, and even one-time purchases by creating and setting spend limits on virtual cards. Create, manage, and spend with virtual cards all within the app.



Admins have full visibility into how budgets are allocated across budgets as well as how teams and users are assigned. Users have instant access to see every penny they have available to spend in real time.

budgets on divvy mobile

Control spending before it happens

Divvy budgets provide admins with a powerful tool to control spending across the organization—transactions over these limits are automatically declined.

Send and request funds

Users can request additional funds for any budget at the click of a button. Admins can approve or deny requests directly from the notification—without ever opening the app.

Real-time spend tracking

See transactions as they come through and watch the additional spend immediately reflected in available budget.


Use a single card for all budgets

With Divvy, your team can stop juggling multiple cards. All employees can use their single Divvy card to spend from any budget.

Get rewards on eligible card spend

Whether you are using your physical or virtual cards, Divvy customers get rewards on all of their eligible spend.

Spend on Google or Apple Pay

Enjoy the convenience of Google or Apply pay with your Divvy card. Both physical and virtual Divvy cards can be added into your digital wallet to be used from your phone or smartwatch.

divvy mobile phone spend


Streamline month-end processes

Every time a user spends on their Divvy card, they are just a few taps away from that expense being categorized and ready to upload into your accounting software—it’s that easy.

Real-time visibility

Divvy shows all spend in one place. See transactions as they come through in real time across all budgets and teams.

Simplified reimbursements

Divvy allows you to track reimbursements right alongside card spend. Save time for you and your team with mobile receipt uploads and ACH reimbursements.



Auto-matching receipts

Don’t worry about tracking down your receipts. Just email them to Divvy and we will automatically match them to your transaction.

Instant transaction categorization

Every time employees spend, they can categorize the transaction in just a few taps—without ever opening the app.

Transaction review

Review transactions, approve or deny them, and mark them as ready to export into your accounting software.


Request a demo to see the full Divvy platform in action.

divvy against competitors

It only keeps getting better. As a Divvy user for nearly two years, the updates and new features keep coming. Most everything that I would do in a browser is now possible on the mobile app saving time and allowing me to administer budget updates on the go.

App Store Review 06/17/2020

#1 most useful thing for my small business. I run a contracting business and I don't think I would have survived 2020 without Divvy. I pay all my bills with it and use it to help with working expenses and then pay it off every month. It's super simple.

App Store Review 02/11/2021

First of all, Divvy is hands down the best financial management and business credit card I have ever seen. The benefits this card and institution offer goes above and beyond the average needs of a business.

Play Store Review 01/07/2021

I love using Divvy. I've used about every other option in the past and Divvy is light years ahead. Super easy, user friendly, it's been a game changer.

App Store Review 04/18/2019