Comparison

Divvy vs Cardlay Expense

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Divvy

Easily share expenses with friends by creating groups and tracking who owes what. Supports multiple currencies and offers flexible repayment options for seamless settlement.

Highlights
  • Create and manage expense groups
  • Add expenses with multiple currencies
  • Automatic currency conversion
  • Calculate easiest repayment methods
  • Personalize groups with photos
Read full description

Divvy makes it easy to share expenses with friends. 1. Create a group and invite your friends. 2. Members can add expenses. Divvy keeps track of everything. 3. When you're ready to settle, Divvy will figure out how everyone get's repaid in the easiest way possible. BRING DIVVY ON YOUR NEXT VACATION Add expenses in 30 different currencies. Divvy will automatically convert the amount based on the latest exchange rate. SETTLE THE WAY YOU PREFER Add all the ways others can pay you back. PERSONALIZE YOUR GROUP Add a photo to your group to make it truly yours.

About

Cardlay Expense

This app simplifies company expense management by digitizing receipts, tracking mileage, and integrating with ERP systems. It helps save time and money by streamlining reporting and providing a clear overview of all company spending.

Highlights
  • Digital receipt capture
  • Mileage tracking
  • ERP system integration
  • Instant reporting
  • Real-time notifications
  • Currency conversion
Features
Read full description

Introducing Cardlay Expense – Revolutionize Your Company’s Spending! Tired of drowning in receipts and navigating through tangled expense reports? Your solution is here – Cardlay Expense, the app that reshapes how your company manages expenses. Seamlessly and efficiently, even on-the-go. Integrated to Eurocard, the Cardlay Expense app empowers streamlined expense management through instant reporting, digital receipts, real-time notifications, and seamless integration with your ERP system. Cardlay Expense is for you if you want: • Save precious time and save money effortlessly. • Transform paper receipts into digital assets with a simple camera click. • Pair PDF receipts seamlessly with your transactions. • Effortlessly track mileage using your phone’s map function. • Seamlessly integrate to Eurocard’s Smart Receipts. • Swiftly sort expenses by project, client, and more. • Easily manage out-of-pocket expenses. • Effortlessly handle currency conversions for international purchases. • Gain a complete overview of all company expenses. • Enjoy secure logins through SMS or Biometrics. Embrace the future with Cardlay Expense and watch as time-consuming paperwork and frustrating processes become a thing of the past.

Screenshots

Divvy4 screens
Cardlay Expense4 screens

Verdict

The call

The clearest difference is review sentiment: Cardlay Expense at 100% against Divvy's 0%. Cardlay Expense also leads on rating (5.0 vs 3.0) and update cadence (every 5 days vs every 2 weeks). On price, ratings volume, ads and in-app purchases there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

Cardlay Expense holds the better App Store score, 5.0 against 3.0. Both are backed by a comparable volume of ratings — 2 and 1 respectively. Written reviews point the same way: 0% of Divvy's written reviews are positive against 100% of Cardlay Expense's.

UpkeepUpdate frequency

Divvy ships an update every 2 weeks, Cardlay Expense every 5 days. The most recent releases landed on June 1, 2026 and September 21, 2026 respectively.

Scorecard3 real differences · 7 level
Divvy versus Cardlay Expense: the parameters behind the verdict, then further details
ParameterDivvyCardlay Expense
PriceFreeFree
Rating3.0 (2 ratings)5.0 (1 ratings) — better
Positive reviews0.0% of reviews100.0% of reviews — better
Number of ratings2 — better1
Update frequencyEvery 2 weeksEvery 5 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPod — betteriPhone
Requires iOS16 — better17.0
Further details — not scored
Size19 MB152 MB
Age rating4+4+
DeveloperTotus Labs ApSCardlay A/S

Customer experience

Divvy

All ratings2 ratings
Positive50.0%
Neutral0.0%
Negative50.0%
Written reviews1 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

Cardlay Expense

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

Divvy

No in-app purchases

None

Cardlay Expense

No in-app purchases

Questions

Is Divvy free?
Divvy is free to download, with no in-app purchases.
Is Cardlay Expense free?
Cardlay Expense is free to download, with no in-app purchases.
Which has better reviews, Divvy or Cardlay Expense?
Cardlay Expense is rated higher. Divvy averages 3.0 out of 5 from 2 ratings, while Cardlay Expense averages 5.0 from 1 ratings.
Do Divvy or Cardlay Expense have ads?
Neither Divvy nor Cardlay Expense shows ads.
Which is updated more often, Divvy or Cardlay Expense?
Divvy ships an update every 2 weeks, and Cardlay Expense every 5 days. Most recently, Divvy was updated on June 1, 2026 and Cardlay Expense on September 21, 2026.

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