BILL Spend & Expense Review
by BILL Operations, LLC
BILL Spend & Expense, formerly Divvy, pairs company cards with expense tracking, budgets and approvals for small and mid-size businesses. Receipts are matched automatically and AI codes accounting fields. The plan costs $0 per user a month.
Best for
- Small and mid-size businesses that want cards, budgets and expenses with no per-user fee
- Teams that manage spend by budget rather than by expense report
- Companies already using BILL for accounts payable
Not ideal for
- Enterprises with many entities (BILL positions it for small and mid-size businesses)
- Companies that want an expense tool without moving card spend to a new provider
How we evaluated BILL Spend & Expense
This review rests on the 15 facts this page shows, each checked against the source listed under “Sources”, most recently on . We did not test the product hands-on: the score uses only those verified facts, as our methodology explains; third-party ratings, where we quote them, never count in the score.
Our verdict
BILL Spend & Expense, formerly Divvy, is a card-first expense tool for small and mid-size businesses: physical and virtual cards carry their limits and rules, and receipts are matched automatically. AI codes the accounting fields, and mileage and out-of-pocket reimbursements are tracked against budgets. The plan is $0 per user a month and includes credit lines from $1,000 to $5M; BILL's payables and receivables products are paid separately.
Strengths
No per-user fee
Spend & Expense costs $0 per user a month and includes corporate cards, budgets and expense tracking.
Receipts handled automatically
Receipts arrive from integrations, are generated when missing and are matched to the right transaction.
Evidence: Receipt capture: Yes2
Budget-based control
Card spend, one-off expenses and mileage reimbursements are all measured against budgets in real time.
Evidence: Mileage and per diem: Yes3
Audited controls
BILL completes an annual SOC 1 and SOC 2 Type II audit by a national CPA firm.
Evidence: SOC 2 Type II: Yes4
Weaknesses
Other BILL products cost extra
Accounts payable and receivable are separate per-user subscriptions, and some payment types carry fees.
Evidence
Extra costs: Accounts payable and receivable are separate paid subscriptions, Fees on some payment types (checks, ACH, instant transfers, international payments)1
Built for small and mid-size
BILL positions Spend & Expense for small and mid-size businesses; it is less suited to large multi-entity enterprises.
Evidence: Best for: Small businesses, mid-market companies2
Price at a glance
BILL Spend & Expense cost at 10 to 100 users
- Published starting price$0/employee/mo
| Users | Published starting price |
|---|---|
| 10 | $0/mo |
| 25 | $0/mo |
| 50 | $0/mo |
| 100 | $0/mo |
The published starting price only: plan tiers, add-ons and other products are quoted on top.
Quick answers
- How much does BILL Spend & Expense cost?
- It costs $0 per user a month, including corporate cards, budgets, expense tracking and access to credit lines from $1,000 to $5M.
- Is BILL Spend & Expense the same as Divvy?
- Yes. BILL Spend & Expense is the former Divvy, combining company cards, expense tracking and spend controls.Based on Modules: Corporate cards, Expense management, Budgets, Reimbursements, Travel2
- Does BILL Spend & Expense handle reimbursements?
- Yes. Employees upload a receipt on mobile, approvers get push notifications, and mileage and one-off expenses are tracked against budgets; reimbursements can be submitted in local currency.Based on Reimbursement payments: Yes3
- What accounting software does BILL Spend & Expense integrate with?
- QuickBooks, Sage Intacct, Oracle NetSuite and Xero.Based on Notable integrations: QuickBooks, Sage Intacct, Oracle NetSuite, Xero4
Coverage of core expense management capabilities
Each core capability we evaluate in Expense Management, checked against BILL Spend & Expense’s own documentation. “Not verified yet” means we have not confirmed it either way, not that it is missing.
8 verified of 10 core capabilities
Specifications
BILL Spend & Expense integrations
Native integrations
BILL Spend & Expense integration coverage
The 10 apps that expense management products document most often, and whether BILL Spend & Expense documents each.
8 of the 10 most-connected apps documented by BILL Spend & Expense; median of the 9 products compared: 6
- QuickBooks · documented by 8 of 9
- Xero · documented by 8 of 9
- NetSuite · documented by 7 of 9
- Slack · documented by 6 of 9
- Sage Intacct · documented by 5 of 9
- Workday · documented by 5 of 9
- ADP · documented by 4 of 9
- BambooHR · documented by 3 of 9
- Gusto · documented by 2 of 9
- HiBob · documented by 2 of 9
Integrations each vendor documents (native, marketplace, Zapier or API), 9 live expense management products. Not documented does not mean not possible.
Where it ranks
- #4 of 9 scoredExpense Management
- #3 of 9 scoredExpense Management for Mid-Sized Companies
- #3 of 9 scoredExpense Management for Small Business
BILL Spend & Expense alternatives
Navan70% similar
Rydoo70% similar
Sage Expense Management70% similar
SAP Concur70% similar
Zoho Expense70% similar
Brex65% similar
Compare BILL Spend & Expense
About BILL Operations, LLC
Official profiles
BILL Spend & Expense: frequently asked questions
Is there a BILL mobile app?
Yes, a free app to manage budgets, capture receipts and approve expenses.
Is BILL SOC 2 compliant?
Yes. BILL completes an annual SOC 1 and SOC 2 Type II audit by a national CPA firm.
What is BILL Spend & Expense used for?
BILL Spend & Expense is an expense management product built for small businesses and mid-market companies. Its modules include Corporate cards, Expense management, Budgets, Reimbursements, and Travel.
Is BILL Spend & Expense legit?
BILL Spend & Expense is sold by BILL Operations, LLC, which was founded in 2006, is headquartered in San Jose, California, US, and is publicly traded. BILL Operations, LLC states SOC 2 Type II compliance.
What are the best alternatives to BILL Spend & Expense?
In our expense management ranking, the highest-scored products other than BILL Spend & Expense are Ramp, Zoho Expense, and Expensify. Compared side by side, by reason to switch: BILL Spend & Expense alternatives.
Which is better, BILL Spend & Expense or Expensify?
It depends on the team. Choose BILL Spend & Expense if: you want cards and expense software at $0 per user. Choose Expensify if: you keep your current corporate cards: Expensify imports them from 10k+ banks. The full comparison: BILL Spend & Expense vs Expensify.
What are the pros and cons of BILL Spend & Expense?
Strengths documented on the vendor’s own pages: no per-user fee, receipts handled automatically, and Budget-based control. It is less suited to enterprises with many entities (BILL positions it for small and mid-size businesses) and companies that want an expense tool without moving card spend to a new provider.
Does BILL Spend & Expense have an API?
Yes. BILL Spend & Expense offers an API.
Is BILL Spend & Expense good for small businesses?
BILL Spend & Expense lists small businesses among the company sizes it is built for (small businesses and mid-market companies). It ranks #3 of 9 in our expense management for small businesses.
How this page was made
What it is built from
15 verified facts, each checked against the vendor's own pages or another primary source, most recently on Oct 14, 2026.
Method
Scored and compared with the LeadChange methodology, version 1.5. Read the methodology
Independent review
Not reviewed yet by our independent reviewer. How we review
Hands-on testing
We have not tested BILL Spend & Expense hands-on: this page uses public information only.
Who made it
The LeadChange Research Team, following a written research process. No named expert has reviewed this page. About us
Independence and errors
Who pays us never changes a score or a rank. If something here is wrong, tell us and we correct it publicly. Request a correction
Compare BILL Spend & Expense pricing for your team
Answer up to 4 quick questions and see what BILL Spend & Expense lists for a team your size, next to the 2 alternatives that fit you best, ranked without regard to who pays us.
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How we make money
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BILL Spend & ExpenseLeadChange Score 8.4
Sources
The 7 pages this page's facts come from, with the day we last checked each one. The numbers beside the figures above link here.
Quotes from the sources
- BILL bill.com/pricing“Yes, the BILL Spend & Expense plan is $0 per user per month and includes corporate cards, budgets, expense tracking, and access to credit lines from $1,000-$5M.” “BILL Accounts Payable and Accounts Receivable (AP & AR) are paid subscriptions priced per user, with a free trial available in most cases.”
- BILL bill.com/product/spend-and-expense“BILL Spend & Expense gives small and mid-size businesses smart, flexible cards paired with AI powered spend management” “BILL Spend & Expense (formerly Divvy) brings together company cards, expense tracking, and spend controls all in one platform.”
- BILL bill.com/product/reimbursements
- BILL bill.com/security“BILL undergoes an annual SOC 1 and SOC 2 Type II Audit by a leading national CPA Firm.” “Oracle Netsuite”
- BILL bill.com/product/download“Manage budgets, expenses, and more from the palm of your hand—all for free.”
- BILL developer.bill.com“Expense management with S&E users, budgets, & cards”
- Wikipedia en.wikipedia.org/wiki/Bill.com“Founded April 2006; 20 years ago as Cashboard, Inc.” “In early 2020, Bill.com moved its headquarters from Palo Alto to San Jose, California.”