With Divvy, you’ll never have to worry about saving your receipts for accounting at the end of the month and you can request funds from your manager on the fly. With Divvy, it is easy to track all of your company-related spending from our user-friendly mobile app.

1. View Your Divvy Account

Once you have been given access to Divvy, your admin will send you an invitation email that will let you create your password and log in. If you have not received that email yet, reach out to your admin.

Join Divvy Email Notification

2. Download the Mobile App

The Divvy mobile app is your most useful resource with all things Divvy (Android and iOS).

App Store

To keep your financial information secure, we use three-factor authentication. This helps prevent fraudsters from gaining unauthorized access to your money. Learn more about three-factor authentication.

3. Use Your First Virtual Card

If you have funds assigned to you, we will automatically create your first virtual card for you. This allows you to start spending with Divvy immediately, even if your physical card hasn't arrived yet.

First Virtual Card

Learn more about virtual cards and how to add a virtual card to your Apple Pay or Google Pay.

4. Activate Your Physical Card

Once you have logged in to your account and received your physical Divvy Card, you will need to activate your card to start spending. There are two ways to activate your physical card:


  1. Open the app and log in.

  2. Once logged in, you'll see a picture of your Divvy card. Press Activate Card and enter the last 4 digits of your physical card.

  3. All done! Your card should now be active and good to go.

Activate Card on Mobile


  1. Go to app.divvy.co and log in.

  2. After logging in, click on your initials on the bottom-left of the screen and then click Profile.

  3. Once on the profile page, there will be an image of a credit card in the bottom right. Click Activate card and enter the last 4 digits of your physical card when prompted.

  4. All done! The card should now be active and good to go.

Activate Card on Desktop

Note: If your card still says “Not Activated” after either of these methods, try refreshing the app by logging out and re-entering credentials. Refer to our step-by-step activation instructions here.

Now that you are logged in and have activated your card, let’s walk through the mobile app and the most relevant features for you as a spender!

5. Manage Cards

On the Wallet page, you will be able to see your physical and virtual cards.

Your physical Divvy card is, well, a real card you can hold—the one we just activated.

A virtual card is a digital card that you create in the Divvy mobile app. It functions like a physical card, however, all of the card details exist exclusively online. You’ll be able to create virtual cards once you have been added to a budget.

Learn how to create a virtual card on mobile.

6. View Your Transactions

Once you have made your first transaction on either a virtual card or your physical card, you will see the transaction immediately on the Transactions tab.

Transactions Page

Until you have uploaded a receipt for your transaction and have completed the required fields, you’ll notice the yellow Incomplete tag on your transactions. To complete a transaction, you will need to upload a picture of your receipt as well as fill out all of the required fields related to your transactions.

Transaction Details

On the web, your transactions can be filtered by date, budget, and transaction status, among other options. This allows you to quickly review your transactions and ensure that they are legitimate and have been completed.

Learn more about completing transactions here.

7. Understand Budgets

In order to spend with physical or virtual cards in Divvy, you need to be a member of a budget with funds assigned to you from within that budget. When you press the Budget icon on the bottom of the screen on mobile, you will see a list of the budgets you are a member of, as well as how much money is available to you within each budget.

Before you swipe your physical card to make a purchase, make sure your active budget has been selected. The mobile app defaults to the budget with the most funds available so make sure the budget you would like to pull funds from is selected before you spend.

View Active Budget

Keep in mind, you can always choose the correct budget later by clicking on the transaction, but this only works if you have funds available in the budget you would like to change to.

If you have not been assigned to a budget, contact your admin.

8. Request Funds

Let’s say that none of your budgets have sufficient funds available for a purchase you need to make. Don’t worry, all you need to do is request funds.

Learn how to request funds.

9. View Alerts and Notifications

When a funds request has been approved, you’ve been added to a budget, or a new incomplete transaction needs your attention, you will receive a notification on your mobile device.

To take action from the notification, click on the notification on your mobile device. You will be redirected to the Divvy app for more information.

In the event you dismiss the notification, you can also navigate to your alerts on the mobile app to see an alert history:

View Alerts

10. Edit User Profile

Lastly, you may want to edit your personal data or personalize your Divvy experience by updating your profile picture. Learn how to view and edit your personal information on the Divvy mobile app.

Divvy’s World Class Support team

If you have questions not covered in this guide, have feedback about the product, or are running into any issues, don’t hesitate to contact Divvy support.

You can easily get help on the web and mobile app.


  1. Open the app and log in.

    Mobile Help Menu

  2. Tap the More icon [1]. Then tap the Help link [2].

  3. Tap Send Us a Message to start a conversation with our support team.


  1. Go to app.divvy.co and log in.

  2. Click on Help in the left menu.

  3. Press Send Us a Message to start a conversation with our support team

Desktop Help Link

That’s it for our overview of the Divvy platform! Enjoy real-time tracking of your spending with Divvy. If you have additional questions or need help with using Divvy, please view our other Help Center articles or contact the Divvy Support team.

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