Expense Management Software
Bill Spend & Expense review
Divvy rebranded as BILL Spend & Expense: free-per-user card and expense software from Bill, earning on card interchange.
Rebranded: Divvy is now BILL Spend & Expense (formerly Divvy), services by Divvy Pay LLC.
Bill Spend & Expense at a glance
- Category
- Expense Management Software
- Starting price
- $0 per user per month
- Pricing model
- per user
- Public pricing
- Yes
- Free plan
- Yes
- Free trial
- No
- G2 rating
- 4.5 (2,081 reviews)
- Integrations
- NetSuite, Sage Intacct, QuickBooks, Microsoft Dynamics, Xero, Acumatica
Buying Bill Spend & Expense: security, admin and contract
Questions to ask Bill Spend & Expense before you sign
- Which plan includes SAML SSO, and what does it cost for our seat count?
- Is SCIM provisioning included, or a paid add-on?
- Which plan includes audit logs, and how long are they kept?
- Where is our data stored, and can we choose the region?
- Can we sign your standard DPA without changes?
- Is there a monthly option, and what are the cancellation and renewal terms?
- What will the price be at renewal, and is the increase capped?
Questions are listed where Bill Spend & Expense's public pages leave the answer open.
Who Bill Spend & Expense is for
Choose Bill Spend & Expense if
- SMBs wanting no software fees and a charge card.
- Existing BILL AP/AR customers.
Look elsewhere if
- Teams that do not want a card or credit line.
- Buyers needing confirmed SSO.
Bill Spend & Expense pricing
| Plan | Price | Unit | Notes |
|---|---|---|---|
| Spend & Expense | $0 | per user per month | cards, budgets, expenses, mobile app, API; credit lines $1,000 to $5M subject to approval |
Fees apply for some payments (e.g. 2.9% card payments, $0.59 ACH, $1.99 check) in BILL pay flows.
Bill Spend & Expense features by buying criteria
| Criterion | What we found |
|---|---|
| Pricing model | No per-user fee; card based. |
| Receipt capture and OCR | AI auto-categorization and receipt matching. |
| Approval workflows and policy controls | Budgets, approval workflows, spend controls. |
| Corporate cards | Physical and virtual BILL Divvy cards, bank-partner issued. |
| Accounting integrations | NetSuite, Sage Intacct, QuickBooks, Dynamics, Xero. |
| Reimbursements and payments | Reimbursements and payments, rewards. |
| Travel and mileage tracking | Travel platform in development per page. |
What most Bill Spend & Expense reviews leave out
- Rebranded from Divvy to BILL Spend & Expense.
- $0 per user but tied to card usage and credit approval.
- Spend & Expense Partner plan is free for accountants and their clients.
- SSO is listed only for AP & AR Corporate/Enterprise; Spend & Expense unconfirmed.
Bill Spend & Expense alternatives
RampCompanies that want cards, expenses and AP in one tool and are fine adopting its card.$0 (Free); Plus $15 per user per month plus platform fee
RipplingCompanies already running payroll and HR on Rippling that want app access tied to employee records.$8 per employee per month plus monthly base fee
BrexStartups and mid-size companies that want cards plus expenses on one platform.$0 per user per month (Essentials)
EmburseMid-size to large finance teams wanting audited vendor security.Contact sales
ExpensifyExpensify is a receipt-scanning expense reporting app for small teams, sold per member.Contact sales
Fyle (Sage Expense Management)Teams of 5 or more that already use Sage, QuickBooks or Xero and want card-feed reconciliation.$11.99 per active user/month, billed annually (Growth, 5 user minimum)
Sources
Every fact on this page comes from Bill Spend & Expense's own pricing, product or documentation pages, G2 and company records, checked on October 24, 2026. Unknown values are left out instead of estimated.