# Divvy vs Cardlay Expense

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.

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

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.

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.

## The numbers

| Metric | Divvy | Cardlay Expense |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.0 (2 ratings)](https://appshunter.io/ios/app/divvy/id1662002655/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/cardlay-expense/id6448982202/reviews)** |
| Number of ratings | **2** | 1 |
| Positive reviews | 0.0% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 weeks | **Every 5 days** |
| Monetization | Free | Free |
| Size | 19 MB | 152 MB |
| Requires iOS | **16** | 17.0 |
| Devices | **iPhone, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Totus Labs ApS](https://appshunter.io/developer/836215787) | [Cardlay A/S](https://appshunter.io/developer/1144616741) |

## What reviewers say

### Divvy

[App page](https://appshunter.io/ios/app/divvy/id1662002655)

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

**In-app purchases:** none


### Cardlay Expense

[App page](https://appshunter.io/ios/app/cardlay-expense/id6448982202)

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:** macOS Compatibility, Apple Wallet, Vision Pro support

**In-app purchases:** none


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*