Overview
ProductRatingMost Used ByProduct SummaryStarting Price
BILL Spend & Expense
Score 8.8 out of 10
N/A
BILL Spend and Expense (formerly Divvy) is an all-in-one expense management solution that combines free software with corporate cards to provide you with real-time visibility and customizable control over your business finances.
$0
Expensify
Score 9.0 out of 10
N/A
Expensify automates the entire spend management process. Scan receipts, track mileage, submit and approve expenses, manage corporate cards, reimburse employees, pay bills, send invoices, and book travel. Built for individuals and companies of all sizes, anywhere in the world.
$5
per month per user
Navan
Score 8.5 out of 10
N/A
Navan (formerly TripActions) headquartered in Palo Alto offers their corporate travel management application of the same name, supporting messaging, travel rewards management, travel booking, and company policy compliance.N/A
Pricing
BILL Spend & ExpenseExpensifyNavan
Editions & Modules
No answers on this topic
Collect
$5
per month per user
Control
$9
per month per user
Navan Business
Free
Navan Enterprise
Let's Talk
Offerings
Pricing Offerings
BILL Spend & ExpenseExpensifyNavan
Free Trial
YesYesNo
Free/Freemium Version
YesNoYes
Premium Consulting/Integration Services
YesNoNo
Entry-level Setup FeeNo setup feeNo setup feeNo setup fee
Additional DetailsBILL Spend & Expense is free for all users
More Pricing Information
Community Pulse
BILL Spend & ExpenseExpensifyNavan
Considered Multiple Products
BILL Spend & Expense
Chose BILL Spend & Expense
We used Expensify previously and strongly prefer BILL. Expensify had no fraud protection, it was almost impossible to speak with a customer service rep, and the reconciliation process was tedious and clunky.
Expensify
Chose Expensify
We used Expensify first mainly because these other solutions were either brand new or didn't exist at the time. We switched from Expensify to Divvy in late 2021, and could not be happier with them. I'd recommend all small business owners check them out if they need a corporate …
Chose Expensify
Both have the perks of their own, Navan is good in Travel management and Expensify is good in Expenses management.

Navan does not have the feature of sending expenses directly from personal email id. It would be great if it could.
Chose Expensify
Concur is the only formal software I've used, though I think this was only used in my PhD program (2010-2014), so in fairness, it's been a while. I remember Concur being just OK. It was certainly easier to use than the 'upload documents to email' process my former employer had …
Chose Expensify
Its easier, intuitive and fun. The built-in avatars and user interfaces are designed to be interesting and attractive- it keeps what can be a tedious task quick and painless
Chose Expensify
Since I have already used Expensify and it was good to our needs as a small-midsize company, I did not see enough pain to switch to other systems. For small to mid-sized companies, Expensify often provides a "just right" balance of functionality, automation, and ease of use, …
Chose Expensify
I did not selected Expensify but I found it very easy to use
Chose Expensify
We use the two together, and they work very well for us at Hudl. I think trip actions could change some titles on their end so they matched up better when the receipts are pulled to Expensify.
Chose Expensify
Expensify felt like a perfect consumer app that you pick up and start using. The mobile app was so good that I rarely cracked open my laptop for expense reports. Workday would start a conversation in our office about how it felt like we were back in the early 2000s doing …
Navan
Chose Navan
We evaluated a number of products and landed on TripActions... flexibility about company policy; deployment of iPhone app and its integration with Expensify were key.
Chose Navan
TripActions stacks up exceptionally when comparing against similar tools such as Nexonia, or Certify. Both of which I have used at prior Sales Orgs. With expense tools, it all comes down to the mobile application. If you're traveling at all for your role/job, you will …
Chose Navan
We did not have a good experience with Concur. It was difficult to use and outdated. I spent many days helping our travelers try to find the correct flights on Concur, or helping them troubleshoot errors. TripActions was a huge improvement and both myself and our travelers …
Features
BILL Spend & ExpenseExpensifyNavan
Expense Management
Comparison of Expense Management features of Product A and Product B
BILL Spend & Expense
9.2
8 Ratings
11% above category average
Expensify
9.7
150 Ratings
16% above category average
Navan
-
Ratings
Employee Expense Reporting8.76 Ratings9.8149 Ratings00 Ratings
Corporate Card Reconciliation9.67 Ratings9.563 Ratings00 Ratings
Payment Management
Comparison of Payment Management features of Product A and Product B
BILL Spend & Expense
8.8
7 Ratings
10% above category average
Expensify
9.3
137 Ratings
15% above category average
Navan
-
Ratings
Customizable Approval Policies9.27 Ratings9.295 Ratings00 Ratings
Financial Document Management9.07 Ratings9.2100 Ratings00 Ratings
Payment Status Tracking9.04 Ratings9.7111 Ratings00 Ratings
Payment Audit Trail9.65 Ratings9.889 Ratings00 Ratings
Duplicate Bill Detection7.43 Ratings8.9112 Ratings00 Ratings
Advanced OCR8.73 Ratings8.992 Ratings00 Ratings
Electronic Funds Transfer9.05 Ratings9.577 Ratings00 Ratings
Travel Management
Comparison of Travel Management features of Product A and Product B
BILL Spend & Expense
-
Ratings
Expensify
-
Ratings
Navan
1.2
1 Ratings
120% below category average
Customizable Approval Workflows00 Ratings00 Ratings2.01 Ratings
Readily Available Support00 Ratings00 Ratings1.01 Ratings
Travel Spend Reports00 Ratings00 Ratings1.01 Ratings
Consolidated Invoicing00 Ratings00 Ratings1.01 Ratings
Easy Travel Booking00 Ratings00 Ratings2.01 Ratings
Mobile Travel Application00 Ratings00 Ratings1.01 Ratings
Centralized Itinerary Management00 Ratings00 Ratings1.01 Ratings
Collaborative Booking00 Ratings00 Ratings1.01 Ratings
Loyalty Programs00 Ratings00 Ratings1.01 Ratings
Reuses Traveler Information00 Ratings00 Ratings1.01 Ratings
User-friendly Interface00 Ratings00 Ratings1.01 Ratings
Integrated Expensing Tool00 Ratings00 Ratings1.01 Ratings
Travel Alerts00 Ratings00 Ratings1.01 Ratings
Best Alternatives
BILL Spend & ExpenseExpensifyNavan
Small Businesses
Dext
Dext
Score 9.6 out of 10
Dext
Dext
Score 9.6 out of 10
Rippling
Rippling
Score 9.0 out of 10
Medium-sized Companies
Precoro
Precoro
Score 9.4 out of 10
Precoro
Precoro
Score 9.4 out of 10
Lola.com
Lola.com
Score 8.0 out of 10
Enterprises
Emburse Chrome River
Emburse Chrome River
Score 7.7 out of 10
Emburse Chrome River
Emburse Chrome River
Score 7.7 out of 10
Emburse Chrome River
Emburse Chrome River
Score 7.7 out of 10
All AlternativesView all alternativesView all alternativesView all alternatives
User Ratings
BILL Spend & ExpenseExpensifyNavan
Likelihood to Recommend
8.7
(18 ratings)
9.6
(239 ratings)
1.0
(36 ratings)
Likelihood to Renew
-
(0 ratings)
10.0
(14 ratings)
-
(0 ratings)
Usability
9.4
(7 ratings)
9.6
(140 ratings)
-
(0 ratings)
Support Rating
8.6
(2 ratings)
8.5
(45 ratings)
9.4
(15 ratings)
Implementation Rating
-
(0 ratings)
9.5
(2 ratings)
-
(0 ratings)
User Testimonials
BILL Spend & ExpenseExpensifyNavan
Likelihood to Recommend
BILL
There is a lot of functionality available for any company, and when you combine it with their A/P processing software, I'm sure the value of the software only increases. If you don't look back through your credit card receipts often, or don't have a lot of volume, the receipts not uploading into the accounting software isn't as much of an issue. For us, with roughly $200k of credit card spending each month, it became an issue. The rewards program was hard for us to take advantage of also, mostly because of our spending being spread across multiple companies. Even though we had everything set up together as one business, they still recognized each one as it's own, with it's own rewards requirements. I wouldn't deter anyone from going with Bill Spend & Expense, it's a solid program with a lot of capability, there are just a few small items that mattered to us more than the capabilities we take advantage of.
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Expensify
I think it's really good for small businesses. At least in the way we use it. It's very good for keeping an eye on employee spending in nearly real time. I'm not sure how it works for larger companies when there is a larger number of people to keep track of.
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Navan
A specific scenario where TripActions was well suited was when I needed to book a hotel stay in Cologne, Germany for multiple colleagues. The fact that they were registered users made coordinating their stays a seamless process. I have not had an occasion where TripActions was inappropriate to use.
Read full review
Pros
BILL
  • Divvy does purchases very well. Getting money into the hands of those who need it, when they need it.
  • Budgeting is a breeze because card holders can only spend what is in their specific budget or on their card.
  • Customer support is usually pretty quick to respond
Read full review
Expensify
  • Easy to access online portal whether using a mobile device or desktop app
  • Receipts can be uploaded in a breeze and automatically categorized
  • Expense Reports are submitted monthly on autopilot
  • Expenses for gas is calculated on the app by entering the starting/ending destinations.
Read full review
Navan
  • Provides a wide range of travel options within a wide budget.
  • It is reliable - if a trip gets canceled, they are quick to contact their customer and help sort out additional booking details to get you to your final destination.
Read full review
Cons
BILL
  • I wish there were more options in the BILL reimbursement platform - for example, the ability to do a report instead of submit a single expense.
  • We would love for reimbursements to feed into QuickBooks differently, but we understand that this is an early feature and hope it is further developed in the future.
Read full review
Expensify
  • I wish that I could sync accounts on the back end kind of like with banking software, so that Expensify would automatically port over receipts for recurring expenses as soon as they're available
  • It would be nice to one-click submit an expense all the way through instead of having to attach it to a report
  • Wackier profile icons? :) Not a big deal. This software is pretty much amazing as it is now, and typically the urge to update and modify very good software leads to poor outcomes!
Read full review
Navan
  • Limited partnerships with all the major airlines, or if so, slowly just adding more airlines to their platform
  • Not a lot of information about the ratings of the hotels. I have stayed in hotels that I probably wouldn't have if their information was more up to date
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Likelihood to Renew
BILL
No answers on this topic
Expensify
We like using the tool and we receive positive feedback from employees and management who use the tool. It saves time and helps us concentrate on the value adding activities so we are very likely to keep using Expensify in the future
Read full review
Navan
This decision overall isn’t made by me. The company evaluates the product. While I am an influencer the overall review is my personal opinion and mine only. The company books flights or would like for us to book flights through trip actions everything else is suggested but done with a personal cc which makes it optional. My option will be to not use TripActions for anything personally.
Read full review
Usability
BILL
The Divvy card provides convenience and flexibility for Finance to manage and monitor each user's transactions at any time. User can issue many virtual cards for different purposes. Transactions can be easily approved. Since we can monitor transaction closely, fraud can be prevented effectively. Mobile app is user friendly and safe.
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Expensify
My rating of 8 out of 10 for Expensify's overall usability reflects its strong performance in empowering individual users and streamlining core expense processes, while acknowledging that there are specific areas, particularly on the administrative or enterprise side, where the user experience could be further refined. Exceptional End-User Experience (for basic tasks).Automation & Time-Saving Features.Clear Workflow for Approvers. Why it's not a perfect 10 (areas for improvement that dock points): Limited corporate bank to choose from, limited multi-currency to pay to ( for instance, as a foreign corporatio,n i cannot pay with my US account to Israeli employees, or pay to our UK employees)
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Navan
No answers on this topic
Support Rating
BILL
We have enjoyed using Divvy and its functions. The Divvy team has been great, and their support team is outstanding. They have a chatbox on the platform, and they only seem to be someone on call. I have found its benefits to be outstanding, that I recommend it to my clients. I also feel that Divvy rolling out new features only makes it more compelling to stay on as a user.
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Expensify
Our rep has been amazing. He has built custom reports for us that have been very time consuming and difficult. Our reps are also currently looking into new submission solutions for us that we are excited about. They came up with this and recommended it on their own without me complaining about an issue. They are about our success and are very excited about the product they offer.
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Navan
- Easy bookings and quick expensing - Excellent chat support - Savings for the company since employees opt for rewards which require booking cheaper than average priced hotels - Rewards for employees - Easy to use customer interface - Great mobile applications for android and iOS - Ability to control payment methods for a different types of bookings like hotels or flights or car rentals.
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Implementation Rating
BILL
No answers on this topic
Expensify
The implementation process went rather smoothly, linking it to the bank and cards was handled easily. without too many unnecessary steps. Getting the accounts setup did take some time, but that would be true with any organization. All in all things went smoothly and I was very pleased with the setup and implementation process
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Navan
No answers on this topic
Alternatives Considered
BILL
Nothing out there compares to the agility and ease of use of Divvy. Adoption by those most resistant to any expense reporting tool has always been the #1 painpoint to all other such software. Divvy takes the pain away even for creatives and salespeople!
Read full review
Expensify
It is definitely 10 times better than using an Excel spreadsheet. We are talking a digitized with AI type capabilities to do the work for you. It’s honestly a lifesaver. This beats manual calculations and data entry any day. Scanning 100 receipts and saving them to pdf files not only takes space on your storage but it is an extra unnecessary step
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Navan
I like TripActions more because everything is on a mobile app that is super user-friendly. The customer service team is also world class-I genuinely have never felt so taken care of. More so, Concur Travel and Expense never rewarded me for traveling, while I made over 200 dollars in Amazon money just for doing my job.
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Return on Investment
BILL
  • Divvy is free, so it was tough for us to turn down. We decided to withhold our larger transactions from Divvy to receive those rewards directly.
  • Divvy has saved our Finance/Accounting team tons of time digging through expenses, reimbursements, invoices, etc.
Read full review
Expensify
  • We went from paying credit card fees with no approval process to a no fees and complex approval processes.
  • I personally save time in not having to develop a spend report I just have my admin assistent fill in the details of the auto generated report and it is done. Went from an hour long process to 5- 10 minutes max to prepare a high quality audit ready report.
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Navan
  • The ability to change flights while I am on the road in meetings. They actually call the agents for me.
  • It has put money back in my pocket with the Amazon rewards and my company has saved money by me booking the less expensive options.
Read full review
ScreenShots

BILL Spend & Expense Screenshots

Screenshot of Company Dashboard - High level overview of a business's available credit and current spending.Screenshot of Mobile Wallet - Spend Smarter™ - To manage budgets and expenses on the goScreenshot of Budget Detail - For monitoring business budgetsScreenshot of Insights - Real-time visibilityScreenshot of Transactions - Displays a complete list of all transactions and their current status on a business's physical and virtual cards.

Expensify Screenshots

Screenshot of the dashboard used to manage expenses, book travel, reimburse employees, and create expense reports.Screenshot of corporate cards. The Expensify Card offers cash back on every US purchase.