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BILL Spend & Expense

BILL Spend & Expense
Formerly Divvy


What is BILL Spend & Expense?

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.

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Recent Reviews

TrustRadius Insights

Divvy is a versatile expense tracking and management platform that is widely used across organizations. Users praise Divvy for its …
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Simple Money Mgmt

9 out of 10
February 22, 2019
Divvy is used across our entire organization. Of our company of 5, 4 have a Divvy card and use it regularly. It makes receipt management a …
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Reviewer Pros & Cons

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What is BILL Spend & Expense?

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.

Entry-level set up fee?

  • No setup fee
For the latest information on pricing, visit…


  • Free Trial
  • Free/Freemium Version
  • Premium Consulting/Integration Services

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Alternatives Pricing

What is Expensify?

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.

What is Xero?

Xero is an online accounting software product for small businesses and personal finance. Its features beyond general ledger and double-bookkeeping include quotable invoicing, bank reconciliation, purchase order and expense management, and tax management. Third party apps can extend its features…

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Product Details

What is BILL Spend & Expense?

BILL Spend & Expense gives small and midsize businesses credit, and automates expense reports, budgets, and reimbursement processing . The software and card combination provides real-time insight into employee spending, and better fraud protection with virtual cards. With BILL, users can:

  • Automate expense reports: Expenses are ready to upload immediately with no need to reconcile credit card statements with an expense management system.

  • Improve employee spend management: Helps to take control of business budgets and say goodbye to the “spend now, ask forgiveness later” mentality.

  • Manage payments and subscriptions: Create a separate card for each subscription, set a limit on each card, and quickly freeze at any time for fraud and overcharge protection.

  • Track out of pocket expenses and reimbursement requests: With mobile receipt upload and push notifications for approvals, the user can more quickly pay back employees.

BILL Spend & Expense Features

Expense Management Features

  • Supported: Employee Expense Reporting
  • Supported: Corporate Card Reconciliation

Payment Management Features

  • Supported: Customizable Approval Policies
  • Supported: Financial Document Management
  • Supported: Payment Status Tracking
  • Supported: Payment Audit Trail
  • Supported: Duplicate Bill Detection
  • Supported: Advanced OCR
  • Supported: Electronic Funds Transfer
  • Supported: PCI Compliant Security Measures

Additional Features

  • Supported: Business Credit
  • Supported: Spend Management
  • Supported: Expense Management
  • Supported: AP Automation
  • Supported: Corporate Cards
  • Supported: Virtual Cards
  • Supported: Rewards
  • Supported: Reimbursements
  • Supported: Budget Management
  • Supported: Payments Services
  • Supported: Mobile App

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.

BILL Spend & Expense Video

BILL Spend & Expense Competitors

BILL Spend & Expense Technical Details

Deployment TypesSoftware as a Service (SaaS), Cloud, or Web-Based
Operating SystemsUnspecified
Mobile ApplicationApple iOS, Android, Mobile Web
Supported CountriesUnited States

Frequently Asked Questions

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.

BILL Spend & Expense starts at $0.

Brex, Expensify, and SAP Concur are common alternatives for BILL Spend & Expense.

The most common users of BILL Spend & Expense are from Mid-sized Companies (51-1,000 employees).
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Reviews and Ratings


Community Insights

TrustRadius Insights are summaries of user sentiment data from TrustRadius reviews and, when necessary, 3rd-party data sources. Have feedback on this content? Let us know!

Divvy is a versatile expense tracking and management platform that is widely used across organizations. Users praise Divvy for its simplicity and user-friendly interface, which allows them to easily track and manage expenses without impacting company accounts or finances. By eliminating the need for manual expense reports, Divvy streamlines the process and saves users valuable time, improving overall efficiency.

One of the key benefits of using Divvy is the ability to create spending budgets for departments or individual users. This feature provides organizations with better control over their expenses and ensures that budget limits are adhered to. Additionally, Divvy offers the option to create custom digital credit cards with specific vendor and amount restrictions, which helps reduce the risk of fraud.

Integration with QuickBooks further enhances Divvy's value by offering seamless financial management capabilities. Organizations can easily align expenses with invoices and have a comprehensive view of their financial data. This integration eliminates manual data entry and improves accuracy.

Divvy is not limited to just finance departments; it has proven useful for case managers as well. They can make purchases on behalf of clients, simplifying expense tracking and approval processes. Managers also benefit from using Divvy for departmental purchases as it provides flexibility and efficiency.

Overall, users highly recommend Divvy for its various use cases, including expense card management, budget tracking, and receipt management. Its intuitive design and colorful interface make it accessible to all users, regardless of their technical expertise. By freeing up leadership and management from day-to-day expense requests, Divvy streamlines operations and improves overall efficiency within organizations.

Agile Budget Approval: Users have found the agile budget approval feature to be highly effective, eliminating the need for back and forth conversations and empowering the team to create solid business cases independently. This streamlined process has been praised by several reviewers.

Real-time Expense Capture: Reviewers appreciate the real-time expense capture feature for providing immediate visibility into expenses and preventing any unwise spending. It allows users to track their expenses in real-time and gain a better understanding of the need behind each expense. Many users have commended this feature.

Ease of Managing Company Perks: The platform's ease of use in managing company perks, trip expenses, and company credit cards has received positive feedback from users. The real-time transaction tracking feature is particularly helpful in monitoring spending habits. Multiple reviewers have highlighted the convenience of this feature.

Lack of Clear Information from Support: After implementing Divvy, users have found the support team to be unhelpful in providing clear and comprehensive information on the platform's features and functionalities. Some reviewers have expressed frustration with the lack of guidance and clarity from the support staff.

Limited Integration with QuickBooks: Users have highlighted that Divvy's integration with QuickBooks is not as seamless as expected. The requirement of WebConnect files instead of DirectConnect for linking accounts has been seen as an inconvenience by several users.

Limited Customization Options: Reviewers have pointed out that Divvy offers a limited range of user roles without any customization options. This restriction limits the adaptability and control within different user groups, prompting some users to desire more flexibility in assigning roles and permissions.

Based on user reviews, users commonly recommend the following for Divvy:

  1. It is important to understand that the company does not have a telephone support line, which can be frustrating when trying to resolve issues.

  2. Users suggest attending a webinar or demo to see the impressive software in action.

  3. Divvy is highly recommended for expense management and tracking, particularly for companies with multiple departments and various types of expenses.

In addition to these recommendations, users also emphasize the benefits of Divvy in organizing financial activity, managing expenses, and providing employees with autonomy in spending. They appreciate the user-friendly platform, professional staff, great partnership opportunities, and the convenience of virtual cards. Many users also praise Divvy for its proactive customer support and innovative platform. Some users even suggest considering Divvy for personal finances. Overall, users find Divvy to be a valuable tool that helps businesses keep their finances organized and provides flexibility and clarity.

Attribute Ratings


(1-11 of 11)
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February 15, 2024

Nimble (free!) solution

Ruth Ann Moss | TrustRadius Reviewer
Score 10 out of 10
Vetted Review
Verified User
  • BILL is a really user friendly system - very easy to onboard people into.
  • We love BILL's rewards system and the ability to redeem for travel or gift cards.
  • BILL offers a sync option with QuickBooks that has been invaluable for our finance processes.
  • 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.
Score 8 out of 10
Vetted Review
Verified User
  • 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
  • Communication - We had a day where the authenticator on their app was down, and we received no communication, so our case managers were left out in the field high and dry trying to request funds.
  • Accounting controls - Divvy has built an amazing app for the end users, however they have completely forgotten us in the accounting world. There is no audit trail which is pretty standard for any accounting software
  • User Roles - There are currently only 3 roles, with no customization available. You're either admin with full control, owner which allows you to authorize funds, and member which you can only control your own transactions
JaCoby Marston, CPA | TrustRadius Reviewer
Score 8 out of 10
Vetted Review
Verified User
  • Digital Credit Cards with specific custom rules
  • Budgets for Individuals and Departments
  • Ability to integrate to multiple QuickBook accounts under the same Divvy account
  • Improvements to the on-boarding process
March 21, 2019

Divvy's great

aaron j vernon | TrustRadius Reviewer
Score 9 out of 10
Vetted Review
Verified User
  • Divvy's support response time is impressive. The quality of support is high as well.
  • We have enjoyed their turnaround time for product requests and their willingness to hear and understand our user experience.
  • We have made them aware, and expect to see an improvement soon -- the alert system should be modifiable according to interest: product releases, declined transactions, budget adjustments, etc.
February 22, 2019

Simple Money Mgmt

Score 9 out of 10
Vetted Review
Verified User
  • Divvy's software is simple and user-friendly.
  • As an admin, you can easily move funds around which helps manage your budgets
  • It's easy to keep track of expenses and sort through what needs attention and what's ready to go to the expense report.
  • Seems like the needs attention feature needs attention. Even after filling out the required field it still shows the needs attention status.
February 21, 2019

Divvy is great.

Score 10 out of 10
Vetted Review
Verified User
  • Real-time transactions. You can see what and where people are spending in real-time.
  • Virtual cards. Very useful for online purchases or recurring purchases.
  • Budget increase requests are very simple.
  • Logging into more than one company or ease of logging into more than one company at a time.
  • Instant messaging system to work with employees on particular transactions.
  • Being able to collect rewards on a monthly basis and having the option to get it in the form of a statement credit.
Brian Thueson | TrustRadius Reviewer
Score 10 out of 10
Vetted Review
Verified User
  • Divvy gives me complete control of the credit card use of each employee.
  • Divvy gives me full visibility and implementation of our expense policy.
  • Customer service is great. Our rep monitors our account and when transactions get declined for whatever reason, they quickly follow-up to make sure that the problem is resolved.
  • QuickBooks integration still requires WebConnect files instead of DirectConnect.
  • Statements are difficult to work with.
Chris McCarthy | TrustRadius Reviewer
Score 10 out of 10
Vetted Review
Verified User
  • Makes asking for, and receiving more budget a simple process!
  • Helps better qualify why more budget is needed , and in time to win the unforcasted opportunity we need it for!
  • Travel deals and simplified booking is pure genius when it’s right on my phone in the same app!
  • Tracking budget spend in real-time is worth the investment in Divvy.
  • Divvy simplifies so much of the work we don’t like to do, but must, it is hard to find any ways to improve.
Jackie Bassett | TrustRadius Reviewer
Score 10 out of 10
Vetted Review
Verified User
  • Agile budget approval - no more back and forth conversations where the team needs to "beg" for more. They actually learn very quickly how to make a rock solid business case on their own to me, because I can "1 click a yes" or "need a bit more ROI" coaching to a yes, if need be.
  • Real-time expense capture - no more waiting until month-end to see expenses that might not have been a wise choice. Or at least get a jump on why funds were spent, so we can all understand the need better.
  • No more wasted time digging around for 'that one 5 figure receipt' from 30 days ago!
  • Mastercard is the current card behing Divvy. I envision they might expand to others as well.
  • I suggest they highlight the travel offering more as it's brilliant too!
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