Divvy vs Qonto Comparison | SaaSworthy.com

86% SW Score The SW Score ranks the products within a particular category on a variety of parameters, to provide a definite ranking system. Read more

Divvy

Accounting Software

4.1 1,272 user ratings

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92% SW Score The SW Score ranks the products within a particular category on a variety of parameters, to provide a definite ranking system. Read more

Qonto

Accounting Software

4.5 1,819 user ratings

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Overview

Description	Divvy is a finance management solution that is ideal for all types of enterprises and individuals in order to make financing easier and affordable for them. Divvy makes it easier to manage physical and virtual cards for a number of customers. It eliminates the need for a reconciliation process that is month-end based. Users can track everything in one place, in one account. Divvy is used for management solutions that give you the credits you need and the software to manage it. With Divvy, you will never go over budget and will make optimum utilization. Divvy is crafted for users to achieve financial wellness with budgeting and future visibility. With Divvy, users can eliminate manual processes, get real time visibility, and can easily pay attention to expert-level priorities, like budget forecasting, transactions can be easily monitored live, and also users can submit reimbursements directly in Divvy. At Divvy, they charge you the least and solely focus on managing your finances. They aim at putting an end to your need of buying higher amounts to the experts, and taking control of your budgets, and also managing your invoices and accounts. Read more	Qonto is an easy business banking solution for entrepreneurs and startups. This all-in-one online business accounting platform helps SMEs and freelancers create business accounts as per convenience. Thus getting access to simplified accounting flow and transparent solutions. The services and features delivered by this platform are trusted widely by over 2,00,000 businesses located in different parts of the globe. Organizations are provided with a secure platform that safeguards the funds through FGDR (a French financial crises operator) services. Also, access to MasterCard business cards, with SEBA and SWIFT transfers enabled, is available with a subscription to Qonto. Furthermore, users can enjoy facilities like automated bookkeeping and team expense management besides streamlining and optimizing their work effectively. Also, integration with top third-party applications like Slack, Accountable, AXA, Pennylane, Zettle, etc makes user-wise task management a lot simpler to handle. Beyond this, users can also depend on the same to create multiple accounts with dedicated IBANs for organized management of expense items, activities, and team budgeting. Read more
Pricing Options	Free Trial Not Available Offers Free-forever plan.	Free Trial Available Offers Custom plan.
SW Score & Breakdown	86% SW Score The SW Score ranks the products within a particular category on a variety of parameters, to provide a definite ranking system. Read more Features The Feature Score % is calculated using the weighted average method, where core features hold more weight in the final calculation. Read more 88% Reviews 94% Momentum 61% Popularity 84%	92% SW Score The SW Score ranks the products within a particular category on a variety of parameters, to provide a definite ranking system. Read more Features The Feature Score % is calculated using the weighted average method, where core features hold more weight in the final calculation. Read more 94% Reviews 86% Momentum 66% Popularity 88%
SaaSworthy Awards	Not Available	# 11 Fastest Growing # 8 Most Popular

Features

Total Features	12 Features	13 Features
Common Features for All	Accounts Payable Handling the money owed by a business to its suppliers. Accounts Receivable Handling the money the client owes to the company. Bank Reconciliation Matching the balances of an entity's accounting records with the corresponding information on a bank statement. Billing and Invoicing This feature helps in issuing and handling the invoice and bills. CPA Firms Offers collaboration with a professional expert for financial and consulting services. Cash Management Collection and management of cash. Collections Recovery of cash from a business or individual. Expense Tracking Keep a count of your day to day expenses as well as allows you to quickly identify where the expense report is in the approval process. Fixed Asset Management Helps in tracking fixed assets for the purposes of financial accounting, preventive maintenance, and theft deterrence. General Ledger Maintaining and recording all the accounting related transactions. Multi-Currency Enables payment and collection in multiple currencies. Payroll Handling the salary payable to the employees Project Accounting Creation of financial reports specifically designed to track the financial progress of projects Purchasing Acquiring goods or services required for the business at minimal cost Spend Management Managing the expenditure of a business in order to build its product or services Tax Management Management of finances for payment of tax as well as assessing the advance tax liability to pay your tax in time + 9 More - Show Less	Accounts Payable Handling the money owed by a business to its suppliers. Accounts Receivable Handling the money the client owes to the company. Bank Reconciliation Matching the balances of an entity's accounting records with the corresponding information on a bank statement. Billing and Invoicing This feature helps in issuing and handling the invoice and bills. CPA Firms Offers collaboration with a professional expert for financial and consulting services. Cash Management Collection and management of cash. Collections Recovery of cash from a business or individual. Expense Tracking Keep a count of your day to day expenses as well as allows you to quickly identify where the expense report is in the approval process. Fixed Asset Management Helps in tracking fixed assets for the purposes of financial accounting, preventive maintenance, and theft deterrence. General Ledger Maintaining and recording all the accounting related transactions. Multi-Currency Enables payment and collection in multiple currencies. Payroll Handling the salary payable to the employees Project Accounting Creation of financial reports specifically designed to track the financial progress of projects Purchasing Acquiring goods or services required for the business at minimal cost Spend Management Managing the expenditure of a business in order to build its product or services Tax Management Management of finances for payment of tax as well as assessing the advance tax liability to pay your tax in time + 10 More - Show Less

Technical Details

Organization Types Supported	Individuals Freelancers Medium Business Small Business	Individuals Freelancers Medium Business Small Business
Platforms Supported	SaaS/Web/Cloud Mobile - Android Mobile - iOS	SaaS/Web/Cloud Mobile - Android Mobile - iOS
Modes of Support	Business Hours Online	Business Hours Online
API Support	NA	Available

Reviews & Ratings

User Rating	4.1/5 1,272 user ratings	4.5/5 1,819 user ratings
Rating Distribution	Excellent 64.4% Very Good 15.6% Average 2% Poor 1.5% Terrible 16.5%	Excellent 81% Very Good 5.8% Average 0.8% Poor 1.3% Terrible 11%
User Sentiments	Real-Time Expense Tracking, User-Friendly Interface, Budgeting and Spend Control, Excellent Customer Service Occasional App Bugs, Slow Receipt Processing, Limited Functionality for Large Organisations, Inconsistent Notification System	Easy Account Setup, Efficient Customer Service, User-Friendly Interface, Fast Transaction Speed Check Deposit Processing Delays, Account Closures, Lack of Physical Branches, Limited International Transfer Options
Review Summary	Divvy's customer reviews generally portray it as a user-friendly and efficient cloud cost management platform. Users appreciate its intuitive interface, comprehensive features, and effective cost optimization capabilities. The platform's reporting and analytics functions are praised for providing valuable insights into cloud spending. Additionally, Divvy's customer support team receives positive feedback for their responsiveness and helpfulness. However, some users have expressed concerns regarding the platform's pricing and occasional technical issues. Overall, Divvy is well-received by its users for its ease of use, cost-saving potential, and reliable support.	Review analysis indicates that users generally appreciate Qonto's user-friendly interface, efficient customer support, and innovative features for managing finances. Many users highlight the convenience of integrating their business accounts, categorizing transactions, and tracking expenses. However, some reviewers express concerns regarding occasional technical glitches, limited customization options, and high fees associated with specific services. Overall, users acknowledge Qonto's effectiveness in simplifying financial management but suggest improvements in stability, flexibility, and pricing transparency.
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Pricing

Pricing Options	Free Trial Not Available Offers Free-forever plan.	Free Trial Available Offers Custom plan.
Pricing Plans Monthly Plans Annual Plans	Divvy Free	Basic Pack (Company Creators) Others Smart Pack (Company Creators) Others Essential Pack (Company Creators) Others Basic (Self-Employed) Others Smart (Self-Employed) Others Premium (Self-Employed) Others Essential (Micro-businesses (1-9 Employees)) Others Business (Micro-businesses (1-9 employees)) Others Enterprise (Micro-businesses (1-9 Employees)) Others Business (SMEs (10-250+ employees)) Others Enterprise (SMEs (10-250+ Employees)) Others Build Your Own (SMEs (10-250+ Employees)) Custom
	View Detailed Pricing	View Detailed Pricing

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