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Mercury vs Divvy (BILL Spend & Expense)

Which is right for your team in 2025?

Mercury

Banking built for startups and tech companies

★★★★★
4.8(2,103)

Starting price: $0/mo

Free plan: ✅ Yes

Best for: VC-backed startups

Company size: startup

Full Mercury review →

Divvy (BILL Spend & Expense)

Free expense management and corporate cards for SMBs

★★★★★
4.5(1,876)

Starting price: $0/mo

Free plan: ✅ Yes

Best for: SMBs wanting free expense management

Company size: smb

Full Divvy (BILL Spend & Expense) review →

🏆 Our Verdict

Mercury is the better choice if you need VC-backed startups or founders managing runway — especially for startup companies.

Divvy (BILL Spend & Expense) wins when your priority is SMBs wanting free expense management or teams seeking card rewards — and is better suited for smb teams.

Full Feature Comparison

Feature
Mercury
Divvy (BILL Spend & Expense)
Rating
★★★★★
4.8
★★★★★
4.5
Starting Price$0/mo$0/mo
Free Plan✅ Yes✅ Yes
Free Trial❌ No❌ No
Best ForVC-backed startups, founders managing runwaySMBs wanting free expense management, teams seeking card rewards
Company Sizestartupsmb
Top IntegrationsQuickBooks, Stripe, GustoQuickBooks, NetSuite, Xero

Mercury — Pros & Cons

✅ Pros

  • +No monthly fees
  • +Startup-friendly features
  • +Great UX
  • +Strong API
  • +Treasury management
  • +Multi-currency

❌ Cons

  • −US-only currently
  • −Not an FDIC-insured bank directly
  • −Limited lending products

Divvy (BILL Spend & Expense) — Pros & Cons

✅ Pros

  • +Free software
  • +Real-time expense tracking
  • +Built-in budget controls
  • +Earn rewards on spend
  • +Easy to use

❌ Cons

  • −Revenue-based credit limits
  • −US-only
  • −Less powerful than paid platforms

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Who Should Use Mercury vs Divvy (BILL Spend & Expense)?

Choose Mercury if you...

  • →VC-backed startups
  • →founders managing runway
  • →companies wanting startup-native banking

Choose Divvy (BILL Spend & Expense) if you...

  • →SMBs wanting free expense management
  • →teams seeking card rewards
  • →companies wanting budget controls without cost

Integration Comparison

Mercury Integrations

QuickBooksStripeGustoRipplingBrex integrations

Divvy (BILL Spend & Expense) Integrations

QuickBooksNetSuiteXeroOracle

Frequently Asked Questions

What is the main difference between Mercury and Divvy (BILL Spend & Expense)?▼
Mercury is best known for VC-backed startups and founders managing runway, while Divvy (BILL Spend & Expense) excels at SMBs wanting free expense management and teams seeking card rewards. Mercury suits startup companies more, whereas Divvy (BILL Spend & Expense) is designed for smb teams.
Is Mercury better than Divvy (BILL Spend & Expense)?▼
It depends on your needs. Mercury is the better choice for VC-backed startups and founders managing runway. Divvy (BILL Spend & Expense) is better for SMBs wanting free expense management and teams seeking card rewards. Mercury has a slightly higher average user rating (4.8/5).
Which is cheaper — Mercury or Divvy (BILL Spend & Expense)?▼
Mercury starts at $0/mo with a free plan. Divvy (BILL Spend & Expense) starts at $0/mo with a free plan. For teams on a tight budget, Mercury is typically the more accessible starting point.
Do Mercury and Divvy (BILL Spend & Expense) integrate with Salesforce?▼
Mercury does not have a confirmed native Salesforce integration. Divvy (BILL Spend & Expense) does not have a confirmed native Salesforce integration.

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