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Compare BILL Spend & Expense (Formerly Divvy) and Circula 
BILL Spend & Expense (Formerly Divvy)
Optimized for quick response
At a Glance
Market Segments
Small-Business (65.4% of reviews)
Mid-Market (65.8% of reviews)
Entry-Level Pricing
$0.00 1 user Per Month
Starting at €9.00 1 License Per Month
BILL Spend & Expense (Formerly Divvy)
Star Rating
(1,942)4.5 out of 5
Market Segments
Small-Business (65.4% of reviews)
Pros & Cons
Entry-Level Pricing
$0.00 1 user Per Month
Learn more about BILL Spend & Expense (Formerly Divvy)Circula
Star Rating
(1,044)4.6 out of 5
Market Segments
Mid-Market (65.8% of reviews)
Pros & Cons
Entry-Level Pricing
Starting at €9.00 1 License Per Month
Free Trial is available
Browse all 9 pricing plansBILL Spend & Expense (Formerly Divvy) vs Circula
When assessing the two solutions, reviewers found Circula easier to use and set up. However, BILL Spend & Expense (Formerly Divvy) is easier to administer. Reviewers also preferred doing business with BILL Spend & Expense (Formerly Divvy) overall.
- Reviewers felt that Circula meets the needs of their business better than BILL Spend & Expense (Formerly Divvy).
- When comparing quality of ongoing product support, reviewers felt that Circula is the preferred option.
- For feature updates and roadmaps, our reviewers preferred the direction of Circula over BILL Spend & Expense (Formerly Divvy).
Pricing
Entry-Level Pricing
BILL Spend & Expense (Formerly Divvy)
Spend & Expense
$0.00
1 user Per Month
Access credit lines from $1,000-$5M. Easily request funds, set budgets, and track spend using free software combined with corporate cards.
- Get as many physical and virtual cards as you need
- Access budgets with proactive spend controls
- Set up automated expense mangement
Circula
Starter
Starting at €9.00
1 License Per Month
12-month contract, excl. VAT, min. 10 licenses
- All key features of expense management, incl. mobile app for iOS & Android
- AI-powered digitisation of receipts using OCR technology
- Unlimited users
Free Trial
BILL Spend & Expense (Formerly Divvy)
Free Trial is available
Circula
Free Trial is available
Ratings
Meets Requirements
9.0
1,682
9.1
891
Ease of Use
9.1
1,722
9.3
950
Ease of Setup
8.8
1,449
9.1
435
Ease of Admin
9.0
1,416
8.9
33
Quality of Support
8.6
1,574
8.9
512
Has the product been a good partner in doing business?
9.1
1,402
9.0
31
Product Direction (% positive)
9.1
1,691
9.3
928
Features by Category
Expense Reports
8.5
1023
|
Verified
9.0
651
|
Verified
8.7
1080
|
Verified
8.1
568
8.2
1061
|
Verified
8.4
597
|
Verified
9.1
1156
|
Verified
9.0
635
|
Verified
7.8
910
|
Verified
8.9
613
|
Verified
7.8
715
|
Verified
8.2
533
|
Verified
8.4
943
|
Verified
8.0
483
Agentic AI - Expense Management
6.4
118
7.5
61
7.1
119
7.6
62
Travel Management
7.5
776
8.0
507
6.7
632
7.9
497
|
Verified
6.5
613
7.6
482
|
Verified
6.9
688
7.7
452
|
Verified
Client Invoicing
Feature Not Available
Feature Not Available
7.9
884
|
Verified
Feature Not Available
7.8
793
|
Verified
8.0
477
Mobile
9.2
1110
|
Verified
8.8
569
|
Verified
7.4
685
|
Verified
8.0
474
Feature Not Available
7.7
445
|
Verified
Platform
7.1
604
7.6
422
7.8
752
|
Verified
7.9
436
|
Verified
Administration
8.2
691
|
Verified
7.9
418
|
Verified
Administration
8.3
971
|
Verified
8.1
486
|
Verified
8.3
985
|
Verified
8.5
526
|
Verified
8.3
1030
|
Verified
8.0
495
|
Verified
8.4
932
|
Verified
8.0
480
|
Verified
8.9
1129
|
Verified
8.3
479
|
Verified
Platform
8.5
995
|
Verified
8.2
463
|
Verified
7.9
765
|
Verified
7.8
432
|
Verified
7.6
640
8.1
439
|
Verified
8.9
1053
|
Verified
8.6
486
|
Verified
8.9
1018
|
Verified
8.5
480
|
Verified
Feature Not Available
7.7
428
|
Verified
Benefits Administration Platform Features
Not enough data
8.8
56
Not enough data
8.0
53
Not enough data
7.6
51
Not enough data
8.3
58
Not enough data
8.1
53
Not enough data
8.4
53
Not enough data
8.3
52
Not enough data
8.5
55
Benefits Administration Platform Features
Not enough data
8.8
56
Not enough data
8.0
53
Not enough data
7.6
51
Not enough data
8.3
58
Not enough data
8.1
53
Not enough data
8.4
53
Not enough data
8.3
52
Not enough data
8.6
40
Not enough data
8.5
55
Not enough data
8.0
41
Not enough data
8.2
46
Not enough data
8.6
46
Generative AI
Not enough data
7.8
29
Not enough data
7.5
29
Not enough data
7.9
30
Platform
Not enough data
7.8
66
Not enough data
7.7
65
Not enough data
8.1
64
Not enough data
8.4
67
Not enough data
8.8
65
Not enough data
8.9
66
Not enough data
8.2
59
Not enough data
8.9
58
Setup
8.1
705
Not enough data
8.7
762
Not enough data
8.5
627
Not enough data
Performance
7.6
551
Not enough data
7.6
556
Not enough data
7.4
558
Not enough data
7.6
588
Not enough data
Payment Cards
8.7
655
Not enough data
8.8
674
Not enough data
9.0
758
Not enough data
Reporting
8.9
745
Not enough data
8.7
653
Not enough data
8.7
699
Not enough data
8.6
780
Not enough data
Payments
8.4
670
Not enough data
8.6
669
Not enough data
7.6
608
Not enough data
7.9
624
Not enough data
Fraud & Risk Management
8.5
740
Not enough data
8.8
724
Not enough data
9.0
738
Not enough data
Agentic AI - Spend Management
5.7
58
Not enough data
Invoice Management
8.0
18
Not enough data
5.5
16
Not enough data
7.2
19
Not enough data
Invoice Processing
6.9
16
Not enough data
7.4
18
Not enough data
6.9
18
Not enough data
6.6
17
Not enough data
Analytics
6.7
18
Not enough data
5.4
16
Not enough data
5.7
16
Not enough data
Integration
8.9
19
Not enough data
8.2
16
Not enough data
6.3
16
Not enough data
Risk
5.9
16
Not enough data
6.7
17
Not enough data
5.4
15
Not enough data
Recovery
6.4
16
Not enough data
6.4
16
Not enough data
Audit
6.4
16
Not enough data
5.8
16
Not enough data
5.3
16
Not enough data
6.8
17
Not enough data
Fraud
6.5
17
Not enough data
7.0
16
Not enough data
6.8
16
Not enough data
Agentic AI - AP Automation
5.8
16
Not enough data
5.8
16
Not enough data
5.6
16
Not enough data
Card Management
Not enough data
8.3
50
Not enough data
8.4
48
Not enough data
Feature Not Available
Not enough data
8.2
45
Not enough data
8.1
44
Not enough data
7.9
44
Controls
Not enough data
7.6
45
Not enough data
8.4
45
Not enough data
8.4
43
Not enough data
8.3
46
Not enough data
8.3
45
Not enough data
Feature Not Available
Agentic AI - Accounting & Finance
Not enough data
Not enough data
Categories
Categories
Shared Categories
BILL Spend & Expense (Formerly Divvy) and Circula are categorized as Expense Management
Unique Categories
BILL Spend & Expense (Formerly Divvy) is categorized as Spend Management and AP Automation
Reviews
Reviewers' Company Size
BILL Spend & Expense (Formerly Divvy)
Small-Business(50 or fewer emp.)
Mid-Market(51-1000 emp.)
Enterprise(> 1000 emp.)
Circula
Small-Business(50 or fewer emp.)
Mid-Market(51-1000 emp.)
Enterprise(> 1000 emp.)
Small-Business
(50 or fewer emp.)
Mid-Market
(51-1000 emp.)
Enterprise
(> 1000 emp.)
Reviewers' Industry
Non-Profit Organization Management
14.4%
Construction
8.8%
Accounting
7.7%
Religious Institutions
5.0%
Computer Software
4.1%
Other
59.9%
Computer Software
10.6%
Consulting
7.4%
Information Technology and Services
7.1%
Automotive
4.8%
Financial Services
4.4%
Other
65.6%
Discussions
How do you use divvy?
2 Comments
SW
Build business credit and keep track of expensesRead more
Is divvy free?
2 Comments
GM
Yes, no signup or yearly fees. Great Business Credit Card, No Personal Guarantee just like CapitalOnTap.Read more
When will importation of transactions include jobs?
1 Comment
MB
Based on my conversations with Divvy people at QuickBooks Connect, it should be now or momentarily. The work around would be to have several expense...Read more
Circula has no more discussions with answers
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