Bill Spend & Expense review (2026): features, pros and cons, and what to check before you buy
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.
Our take for buyers
Divvy is now BILL Spend & Expense, so vendor pages and contracts will carry the BILL name, with services provided by Divvy Pay LLC. It is a card-based spend and expense tool with budgets, approval workflows, spend controls and AI auto-categorization with receipt matching. That makes it a spend management buy more than a pure software purchase, so the evaluation starts with the card.
Shortlist it if you are an SMB that wants a charge card with expense control, especially if you already run BILL for AP or AR. Skip it if you do not want a card or a credit line, or if you need confirmed single sign-on, because SSO is listed only for AP & AR Corporate and Enterprise and is unconfirmed for Spend & Expense.
- Best for
- SMBs wanting no software fees and a charge card.
- Starting price
- $0 per user per month
- G2 rating
- 4.5 (2,081 reviews)
What is Bill Spend & Expense?
Divvy rebranded as BILL Spend & Expense: free-per-user card and expense software from Bill, earning on card interchange. Divvy is now BILL Spend & Expense, a card and expense product with no per-user fee. It offers budgets, approval workflows, receipt matching and spend controls, and it syncs with NetSuite, Sage Intacct, QuickBooks, Dynamics and Xero.
Category: Expense Management Software
Bill Spend & Expense key features
| 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. |
Bill Spend & Expense plans and 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.
Who should shortlist Bill Spend & Expense
A strong fit for
- SMBs wanting no software fees and a charge card.
- Existing BILL AP/AR customers.
A weak fit for
- Teams that do not want a card or credit line.
- Buyers needing confirmed SSO.
Bill Spend & Expense alternatives
RampCompanies that want cards, expenses and AP in one tool and are fine adopting its card.
RipplingCompanies already running payroll and HR on Rippling that want app access tied to employee records.
BrexStartups and mid-size companies that want cards plus expenses on one platform.
EmburseMid-size to large finance teams wanting audited vendor security.
ExpensifyExpensify is a receipt-scanning expense reporting app for small teams, sold per member.
Fyle (Sage Expense Management)Teams of 5 or more that already use Sage, QuickBooks or Xero and want card-feed reconciliation.
Contract and buying terms
- Starting price
- $0 per user per month.
- Pricing model
- Per user.
- Free plan or trial
- Free plan.
What to test in a Bill Spend & Expense demo or trial
In a trial, start with the credit approval step, since the free software depends on being approved for a credit line between $1,000 and $5M. Then test the receipt matching and AI auto-categorization against real expenses, and run an approval workflow with budgets and spend controls. Sync a test batch to your own ledger, whether that is NetSuite, Sage Intacct, QuickBooks, Dynamics or Xero. Finally, check reimbursements and payments, and ask how the travel platform, described as in development, is progressing.
Questions to ask Bill Spend & Expense before you sign
These are the points Bill Spend & Expense's public pages leave open. Get the answers in writing before procurement signs off.
- 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?
Things to know before a demo
- 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 FAQ
What is Bill Spend & Expense used for?
Divvy is now BILL Spend & Expense, a card and expense product with no per-user fee. It offers budgets, approval workflows, receipt matching and spend controls, and it syncs with NetSuite, Sage Intacct, QuickBooks, Dynamics and Xero. It suits SMBs wanting no software fees and a charge card.
Does Bill Spend & Expense support SSO?
SSO is listed only for AP & AR Corporate and Enterprise. For Spend & Expense it is unconfirmed, so ask the vendor before you rely on it.
Who is Bill Spend & Expense best for?
SMBs that want no software fees and a charge card, and existing BILL AP and AR customers. It is not for teams that do not want a card or credit line.
Which accounting systems does it connect to?
Listed integrations include NetSuite, Sage Intacct, QuickBooks, Microsoft Dynamics, Xero, Acumatica and Slack. Test your own chart of accounts in a trial.
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.