Divvy vs Navan
Divvy and Navan both tackle business expenses, but they start from very different places. Divvy is a free spend management tool built around its corporate card. Navan is a unified platform for booking travel and managing expenses together.
功能很棒，但支持问题严重。
我们发现 BILL Spend & Expense 提供了一个强大的免费费用管理平台，具有实时控制和会计集成等出色功能。然而，有关糟糕的客户支持、巨大的支付延迟和意外账户关闭的外部可靠性报告是一个我们反复从用户那里看到的重大担忧。总而言之，在运营可靠性和客户服务响应能力方面没有取得实质性改进之前，我们无法为基本业务运营推荐此平台。
优点
- 费用管理软件完全免费提供。
- 提供实时开支可见性和可定制的预算控制。
- 用户可以轻松发行无限数量的虚拟卡和实体卡。
- 与主流会计系统（QuickBooks、NetSuite）的无缝集成功能。
缺点
- 客户支持和响应能力极差或几乎不存在。
- 关于延迟付款和故意持有资金（ACH 需要超过 4 个工作日）的报告频繁出现。
- 设置和入职流程困难且令人困惑。
- 可靠性问题反复出现；账户突然被阻止或关闭，通常没有解释。
A solid travel hub, with some expense hiccups.
We find Navan is a capable all-in-one platform for corporate travel and expenses, especially for small to mid-sized companies. Overall, its strong booking interface and helpful support are weighed down by inconsistent expense processing and a lack of public pricing clarity.
优点
- Free plan available for companies up to 300 employees.
- Unified platform for both travel booking and expense reporting.
- Generally praised for a straightforward and easy-to-use interface.
- Customer support is noted as responsive and helpful in resolving issues.
缺点
- Expense reimbursements can be slow or contain processing errors.
- Enterprise pricing requires contacting sales; no transparent public rates.
- Initial setup and platform rollout may be complex for some organizations.
- May not be ideal for teams needing niche, deep accounting integrations without confirmation.
关于Divvy
BILL Spend & Expense（前身为 Divvy）是一个多合一的开支管理平台，专为现代企业打造。✅ 它将免费的世界一流软件与 BILL Divvy Card 访问权限相结合。这种独特的组合有助于中小型企业实现更大程度的控制。
它通过强调控制、简洁和节省来专注于改革开支和费用管理。最终目标是完全消除手动费用报告。
关于Navan
Navan is a comprehensive platform for managing business travel and expenses. It’s designed for companies of all sizes, from small businesses to large enterprises. The platform serves various industries, including technology, healthcare, and retail. 💡 It aims to be a single solution for booking trips and handling the related costs.
亮点
功能比较
功能概览
我们强调主要差异并为每个功能选择获胜者。
Core Function
Divvy is a free spend management tool with a corporate card. Navan is an all-in-one platform for booking travel and managing expenses.
Divvy combines expense software with the BILL Divvy Card. It's built to eliminate manual reports and give real-time control over company spending. Navan is a comprehensive travel and expense management platform. It lets employees book trips and track costs in a single, unified system. The key difference is focus: Divvy is a finance tool first. Navan is a travel-first platform that handles expenses as part of the journey.
Pricing Model
Divvy's software is completely free. Navan's Business plan is free for companies under 300 employees.
Divvy's expense management software is offered at no cost. There are no tiers or hidden fees for the platform itself. Navan offers a free 'Business' plan for companies up to 300 employees. Larger organizations need a custom quote for the 'Enterprise' plan. Divvy's model is simpler, but it requires using their corporate credit product. Navan's free tier is generous but has an employee cap.
Travel Capabilities
Divvy does not handle travel booking. Navan is built specifically for corporate travel management.
Divvy is focused solely on spend management and card controls. It does not offer any travel booking or itinerary features. Navan provides global travel inventory, exclusive rates, and self-serve booking. It integrates travel directly with expense policies. For companies where business travel is a major expense, Navan offers a complete solution Divvy simply does not.
Corporate Card
Divvy includes its own corporate credit card. Navan works with expense reimbursement, not a proprietary card.
Divvy is built around the BILL Divvy Card, offering unlimited virtual and physical cards. The card is integral to its spend control features. Navan does not issue its own corporate card. It focuses on booking and then reconciling expenses through reimbursement. Divvy gives you a credit line and controls. Navan gives you a booking platform and a way to report costs after the fact.
Integrations
Divvy integrates with key accounting software. Navan boasts over 30 HRIS integrations.
Divvy integrates smoothly with major accounting systems like QuickBooks, NetSuite, and Sage Intacct. Navan offers over 30 seamless HRIS integrations on its free plan, connecting to your HR systems for smoother data flow. Divvy wins for accounting depth, while Navan wins for HR system breadth, especially for managing employee data.
Customer Support
Divvy has many user complaints about support. Navan reviews frequently praise responsive help.
Divvy's Trustpilot reviews are filled with complaints about non-existent or unhelpful customer support. Users report long hold times. Navan's reviews often highlight excellent and responsive customer support that resolves issues quickly. Some note help during onboarding. Support is a major differentiator. Navan appears far more reliable for getting help when problems arise.
Divvy (BILL Spend & Expense) 每月费用为免费，提供一项主要产品：开支与费用软件，免费。
强大的软件平台免费提供，让您可以专注于高效管理您的企业财务。以下是单一、全面的软件产品细分。
开支与费用软件
价格：免费 支持的网站：未明确说明 最适合：寻求强大、集成式开支管理和企业信用的企业。 退款政策：未明确说明 其他功能：
- 无隐藏费用或合同。
- 无限的实体卡和虚拟卡。
- 为所有用户提供备受好评的、功能齐全的移动应用程序。
- 支持报销和费用跟踪。
- 与 QuickBooks、NetSuite 和 Sage Intacct 集成。
- 免费软件，并可访问 BILL Divvy Card
- 无隐藏费用或合同
- 您需要的实体卡和虚拟卡数量不限
- 备受好评且功能齐全的移动应用程序
- 实时可见性和对开支的可定制控制
Navan costs between $0 and a custom quote with 2 plans: Navan Business at Free and Navan Enterprise at a custom price.
Here is a breakdown of the available plans and their core features for your team.
Navan Business
Price: Free Websites Supported: Not explicitly stated Best For: Companies up to 300 employees Refund Policy: Not explicitly stated Other Features: Global travel inventory, unlimited policy workflows, 24/7 support, Navan Rewards, 30+ HRIS integrations
- Global travel inventory and exclusive rates
- Unlimited policy and approval workflows
- Self-serve changes and 24/7 support
- Navan Rewards program
- Customizable reports
- Full suite of Navan Travel & Expense
- Unlimited travelers and expensing users
- Global program coverage
- Designated Account Executive
- Dedicated Customer Success Manager
Pricing Notes
- Divvy's software is entirely free, but its use is tied to applying for and using the BILL Divvy Card.
- Navan's free plan is limited to companies with up to 300 employees. Larger teams must contact sales.
- Neither platform advertises a free trial for a paid tier or a money-back guarantee.
- For Navan, Enterprise pricing is opaque and requires a custom quote based on your specific needs.
Pricing Head-to-Head
用户评论
免费的集成式控制开支软件核心产品很有吸引力，但外部可靠性报告却显示了对服务执行情况的极其负面的看法。用户报告称在客户支持方面存在严重问题，经常提到工作人员响应不及时、难以联系且缺乏跨案件的可见性。这种关键的运营失败导致了有关可靠性的巨大挫败感，尤其是在支付处理方面。反复出现的主题包括资金被持有或延迟，ACH/电子支付通常需要四个或更多工作日才能结清。虽然数字卡的便利性有时被提及，但困难和令人困惑的入职流程，加上突然账户被阻止或关闭的报告，严重侵蚀了用户的信任。公司的运营标准和支持结构必须大幅改进，才能与强大的功能集保持一致。👎
这是我有史以来最糟糕的客户服务体验。我本周花了六个多小时在线等待，与知识不全的人交谈，他们对其他支持电话没有可见性。
Trustpilot reviews for Navan paint a mixed picture. 👍 Many users praise the platform's ease of use, highlighting how simple it is to book travel and manage expenses.
The responsive customer support is frequently noted as a major plus, helping resolve issues quickly. 👎 However, a recurring theme involves delays in expense reimbursements and occasional errors in processing payments.
Booking travel has never been easier. The platform is intuitive, and I love earning rewards for my business trips. It's a huge time-saver.
我们的判断
This isn't a close fight. Navan wins for most businesses because it solves a bigger problem—unified travel and expenses—with far better support. Divvy is a powerful free tool, but its support issues make it risky for essential operations. Divvy's superpower is its free, feature-packed expense software. You get unlimited cards, real-time controls, and solid accounting integrations without paying a dime. It's built for companies needing strict budget management. Navan's superpower is the all-in-one platform. Employees book travel within company policy, and those bookings connect directly to expenses. It simplifies a complex, multi-tool workflow into one smooth experience. The deciding factor is your primary pain point. If you just need free spend controls and a corporate card, Divvy delivers. If business travel is a headache you need to solve, Navan is the clear choice. Choose Divvy if you're an SMB on a tight budget needing powerful, free expense tools. Choose Navan if you want to streamline travel booking and expenses in one place, and value reliable support. For most companies juggling travel costs, Navan is the smarter long-term investment.
常见问题
Which is better for small teams: Divvy or Navan?
Both have strong offers. Divvy's software is completely free for any size. Navan's free plan is for companies up to 300 employees. Choose Divvy for pure spend control, Navan if you need travel booking.
Is Navan worth the extra cost over Divvy?
It depends. Divvy is free software. Navan is also free for smaller companies. For larger companies, Navan's Enterprise plan is a custom cost. You're paying for unified travel & expense management.
Does Divvy handle travel booking like Navan?
No. Divvy is focused exclusively on spend management and its corporate card. Navan is built for corporate travel booking and integrates that with expenses.
Which has better customer support?
Based on user reviews, Navan. Divvy has severe, repeated complaints about poor support. Navan's support is frequently praised as responsive and helpful in reviews.
Can I use Divvy without getting their corporate card?
No. The free Divvy software is designed to work with the BILL Divvy Card. Its core features are built around managing spending on that specific card.
Which integrates better with QuickBooks or NetSuite?
Divvy. It explicitly highlights seamless integration with major accounting software like QuickBooks, NetSuite, and Sage Intacct for smoother month-end closes.
准备好选择了？
这两个工具都有各自的优点。根据您的具体需求进行选择。