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.
- Company size
- Small businesses, mid-market companies
- Pricing model
- Free
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 15 facts checked against BILL Spend & Expense’s official pricing pages and documentation, most recently on . We did not test the product hands-on: the score and the pros and cons use only those verified facts, as our methodology explains, and third-party ratings are quoted, never scored.
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: Yes
Budget-based control
Card spend, one-off expenses and mileage reimbursements are all measured against budgets in real time.
Evidence: Mileage and per diem: Yes
Audited controls
BILL completes an annual SOC 1 and SOC 2 Type II audit by a national CPA firm.
Evidence: SOC 2 Type II: Yes
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)
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 companies
Price at a glance
Starting price per user
$0/employee/mo
Pricing model
Free
Price transparency
Published
Free plan
Yes
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, Travel
- 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: Yes
- 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, Xero
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
Expense Management
- Receipt capture
- Expense reports · not verified yet
- Policy enforcement
- Approval workflows
- Company card reconciliation
- Mileage and per diem
- Reimbursement payments
- Accounting and ERP sync · not verified yet
- Multi-currency and multi-entity
- Audit trail
Specifications
Product
- Modules
- Corporate cards, Expense management, Budgets, Reimbursements, Travel
- Mobile apps
- Yes
- AI features
- AI coding of accounting fields, AI-written memos, Receipt generation when missing
Integrations
- Open API
- Yes
BILL Spend & Expense integrations
Native integrations
BILL Spend & Expense integration coverage
The 7 apps that expense management products document most often, and whether BILL Spend & Expense documents each.
4 of the 7 most-connected apps documented by BILL Spend & Expense; median of the 9 products compared: 3
- QuickBooks · documented by 8 of 9
- NetSuite · documented by 7 of 9
- Xero · documented by 7 of 9
- Sage Intacct · documented by 4 of 9
- Sage · documented by 2 of 9
- Slack · documented by 2 of 9
- Workday · 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 8 scoredExpense Management
- #4 of 8 scoredExpense Management for Mid-Sized Companies
- #4 of 8 scoredExpense Management for Small Business
BILL Spend & Expense alternatives
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Compare BILL Spend & Expense
About BILL Operations, LLC
- Founded
- 2006
- Headquarters
- San Jose, California, US
- Ownership
- Publicly traded
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 1 more.
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 that it holds a current SOC 2 Type II report.
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 Ramp?
It depends on the team. Choose BILL Spend & Expense if: you want cards, budgets and expense tracking on a single $0 plan. Choose Ramp if: you need SCIM provisioning with Okta, Google or Microsoft Azure sign-on. The full comparison: BILL Spend & Expense vs Ramp.
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 open API to customers.
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 #4 of 8 in our expense management for small businesses.
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