--- title: BILL Spend & Expense (Formerly Divvy) Reviews meta_title: 'BILL Spend & Expense (Formerly Divvy) Reviews 2026: Details, Pricing, & Features | G2' meta_description: Filter 2218 reviews by the users' company size, role or industry to find out how BILL Spend & Expense (Formerly Divvy) works for a business like yours. aggregate_rating: rating_value: 4.5 review_count: 2218 scale: '5' date_modified: '2026-07-16' parent_category: name: Travel & Expense url: https://www.g2.com/categories/travel-expense --- # BILL Spend & Expense (Formerly Divvy) Reviews **Vendor:** BILL (previously Bill.com) **Category:** [Expense Management Software](https://www.g2.com/categories/expense-management) **Average Rating:** 4.5/5.0 **Total Reviews:** 2,218 ## About BILL Spend & Expense (Formerly Divvy) BILL Spend & Expense is an expense management and spend tracking platform that enables businesses to control, automate, and gain real-time visibility into company spending through smart corporate cards and centralized expense management workflows. This expense management and corporate card software is designed for small to midsize businesses that want to simplify employee purchasing, enforce spending policies, and reduce manual reconciliation tasks. BILL Spend & Expense equips finance teams, controllers, and department managers with tools to issue corporate cards, monitor spending in real time, and streamline the process of submitting, reviewing, and approving expenses. Key features of BILL Spend & Expense include: - Instant corporate card issuance with customizable spending limits by user, team, or category - Real-time expense tracking with transaction-level visibility and automatic receipt matching - Policy enforcement and approvals built into the spend workflow to support compliance - Mobile and desktop access for employees to request funds, upload receipts, and categorize transactions - Accounting integration with systems like QuickBooks, Xero, and NetSuite to reduce reconciliation time BILL Spend & Expense helps companies proactively manage employee-initiated spending and reduce end-of-month surprises. With automated controls and flexible card issuance, businesses can empower teams to spend responsibly while maintaining clear oversight. The platform is often deployed alongside accounts payable automation tools to deliver a comprehensive view of both discretionary and non-discretionary spend. By combining corporate cards with expense management in one solution, BILL Spend & Expense allows finance leaders to better forecast spend, improve accountability, and close the books faster. ## BILL Spend & Expense (Formerly Divvy) Pros & Cons **What users like:** - Users appreciate the **ease of use** of BILL Spend & Expense, enjoying seamless mobile access and effortless receipt tracking. (435 reviews) - Users appreciate the **user-friendly expense management** of BILL Spend & Expense, enhancing efficiency and financial tracking. (224 reviews) - Users find BILL Spend & Expense incredibly **convenient** for tracking expenses and integrating with their existing systems. (161 reviews) - Users appreciate the **easy setup** of BILL Spend & Expense, streamlining their transition from other payment solutions. (159 reviews) - Users value the **time-saving features** of BILL Spend & Expense, streamlining expense management and budgeting processes. (158 reviews) - Users value the **flexibility of virtual cards** in managing employee expenses and enhancing financial control. (157 reviews) - Users appreciate the **quick and responsive customer support** from BILL, ensuring timely assistance with any issues. (140 reviews) - Efficiency (126 reviews) - Easy Upload (120 reviews) - Easy Integration (118 reviews) **What users dislike:** - Users experience **integration issues** with BILL Spend & Expense, complicating functionality and usability compared to its predecessor. (89 reviews) - Users face **approval issues** as top-level admins can approve their own transactions, complicating oversight and budget management. (87 reviews) - Users express frustration with **poor customer support** , citing issues with traditional invoicing and insufficient resources for assistance. (61 reviews) - Users experience **syncing issues** with Bill S&E, especially with class updates from QBO and vendor approvals. (59 reviews) - Users find **budget management challenging** , needing clearer guidance and improved transaction splitting features. (55 reviews) - Users report an increase in **fraud issues** with BILL Spend & Expense cards, complicating financial management. (53 reviews) - Users express frustration with the **credit issues** in BILL, citing limited flexibility and tedious budgeting functionalities. (48 reviews) - Manual Entry (47 reviews) - Reimbursement Issues (46 reviews) - Inadequate Categorization (41 reviews) ## BILL Spend & Expense (Formerly Divvy) Reviews ### 1. Streamlines Multi-Manager Spending with Clear Budget Accountability **Rating:** 5.0/5.0 stars **Reviewed by:** Jordyn P. | Executive Assistant, Mid-Market (51-1000 emp.) **Reviewed Date:** July 15, 2026 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** With a larger organization this helps streamline multiple managers and leaders access to use funds while also implementing responsibility on them directly to complete transactions and be mindful of budgets. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** I dislike that you cannot restrict a user specifically for certain criteria on where they are allowed to spend and have to create a budget with set rules. It was difficult to create a budget without interrupting current roles and associated budgets. I specifically have physical cards for gas use and found it difficult to have a card with restrictions for someone who also needs to be a part of other budgets for virtual card use. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** The biggest benefit has been keeping track of receipts and for users to be able to immediately upload a receipt has relieved the constant run around of trying to find lost receipts that leadership has been forced to hold on to while at conventions or out of the office. ### 2. Convenient Employee Cards, Easy Receipt Capture, and Great Cash Back **Rating:** 4.5/5.0 stars **Reviewed by:** Jillian O. | Executive Director, Small-Business (50 or fewer emp.) **Reviewed Date:** July 14, 2026 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** I love that you can create digital or order physical cards for employees and easily assign budget amounts that start over monthly, or accrue. Our staff find it very convenient to use the app to take photos of receipts or forward receipts via email to Bill. I also love the cash back and the fact that it is free to use for the spend feature. We've used Bill/formerly Divy for about 5 years and haven't had any problems where we needed to contact support. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** Often receipts don't automatically match up when forwarding via email. Lyft has an integration with BILL, we wish it was the same for Uber. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** Previously we were using a standard Visa credit card and manually marrying receipts with charges, often chasing receipts from employees. Now, we are saving time by easily being able to add many staff members to Bill so they can be more independent in purchasing and managing their departments budget. Finance is very appreciate of the streamlining this has provided. ### 3. Easy Card Creation and Spend Controls with Helpful Support **Rating:** 5.0/5.0 stars **Reviewed by:** Steven F. | Controller, Mid-Market (51-1000 emp.) **Reviewed Date:** July 14, 2026 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** I like how easy it is to create and distribute cards. I also appreciate being able to control where each card can be used and how much it can spend. Having those controls in place helps ease my anxiety about having so many cards out there. The team was very helpful with getting our account up and going. Although Divvy did not integrate with our ERP system, it is still really easy to put the charges in the ERP system. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** Sometimes the budget function can be a bit confusing. I’ll think an employee has a certain amount allocated, but then their card gets declined for insufficient funds. After that, I have to go in and try to figure out why it shows they have a certain amount when, in reality, they don’t. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** Tracking and more visibility into credit card spending. With Amex we had no where to scan receipts, if we had to look into charges we would have to dig through files. Its also helping with employees access to cards. We had (1) company card that we had to share, where as with bill we are able to allocate cards to the different departments. ### 4. Bill Spend & Expense: Fast, Efficient, and a Big Boost to Expense Submissions **Rating:** 5.0/5.0 stars **Reviewed by:** Adriana P. | Accounting, Mid-Market (51-1000 emp.) **Reviewed Date:** July 14, 2026 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** Performance efficiency for both admin & users across the board. Not having to recreate every transaction has made a world of difference. The excuse of lagging to submit expenses has been effectively cut down to almost none. The reminder feature on missing/aged items helps every time. Could not recommend Bill Spend & Expense enough. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** I have heard many users report uploading receipts and later logging in to find the receipt is no longer in the transaction, and then they have already thrown away the receipt. I can't cite anything more than user error, but more than half of our users have reported this. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** I am the sole person managing our 56+ card holders. Half of which work on the road and do not have the time to sit at a computer to put together a spreadsheet or report of their monthly expenses. The fact that this app works exactly like a regular banking app makes training for new users easy, and on the admin side, maintaining budgets and categories for each has made our month end reporting go from days to hours. ### 5. Excellent transaction classification and reliable Sage Intacct integration **Rating:** 4.5/5.0 stars **Reviewed by:** Felicitous M. | Full cycle Accountant , Accounting, Mid-Market (51-1000 emp.) **Reviewed Date:** May 27, 2026 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** As someone managing financial reporting, the transaction management within BILL Spend & Expense is excellent. The interface makes it incredibly straightforward to review, classify, and reclassify transactions on the fly. The AI-powered features for recurring expense allocation are highly effective, significantly speeding up the process and cutting down on repetitive manual entry. Additionally, the native integration with Sage Intacct is a major benefit for my workflow. Having expense data flow directly between the systems improves overall visibility and directly supports a faster, more organized month-end close process... **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** While the Sage Intacct integration is vital for us, the sync can occasionally experience slight delays during high-volume periods, which sometimes requires a manual refresh to ensure everything updates in real time. Also, while the AI allocation handles recurring expenses well, it can occasionally misinterpret unique, one-off vendor charges that resemble existing rules, meaning a thorough manual review is still necessary. Expanding the customization capabilities for complex, multi-entity reporting within the dashboard would also be a great improvement. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** We were previously dealing with a highly manual expense reconciliation process that delayed our financial reporting. BILL has solved this by automating the pipeline from the initial transaction straight through to Sage Intacct. This has drastically reduced human error in our account assignments, provided our team with real-time visibility into overall company spend, and shaved critical days off our month-end close timeline. ### 6. BILL Spend & Expense Makes Coding and Receipt Uploads Effortless **Rating:** 4.5/5.0 stars **Reviewed by:** Laura D. | Controller, Mid-Market (51-1000 emp.) **Reviewed Date:** July 14, 2026 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** BILL Spend & Expense is very easy to use. Having our general ledger account codes and fund groups set up in the system make it very easy for staff to code their expenses in real time. The ease of uploading receipts is also a huge benefit. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** At this point we don't really have many dislikes. Sometimes when you email receipts to the receipts email address to have the receipt automatically attached to a charge it sometimes doesn't recognize a match. Even when the amount is in the email. That can be frustrating at times. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** Having staff code their expenses in real time. Uploading and sending in receipts when the charges occur. In the past it took staff a long time to code. BILL has eliminated the manual process of coding expense that we used to have and saves us time. ### 7. Keep tracking made easy with Bill Divvy **Rating:** 5.0/5.0 stars **Reviewed by:** Darrell J. | Salesperson, Small-Business (50 or fewer emp.) **Reviewed Date:** July 15, 2026 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** This is the first time using Spend & expense software for my small business, The thing I like most I keep keep track with my spending and keep receipts, so that I don't have keep finding or I lose my receipts, it's all digital **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** The only thing I hate is my limit on my Bill Divvy card for example a few weeks ago Bill divvy asked me do want a increase from $7,000 to $10,000 I wrote back and said yes then a week later Bill Divvy send me other email stating that my limited is going to be decrease to $7,000 and I just got the increase, why even bother giving me a increase in the first place very confusing **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** no issues on my end ### 8. Effortless Expense Management with User-Friendly Interface **Rating:** 5.0/5.0 stars **Reviewed by:** Ana O. | Office Manager - Compliance Officer, Small-Business (50 or fewer emp.) **Reviewed Date:** April 29, 2026 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** I find BILL Spend & Expense (Formerly Divvy) very user-friendly, which makes it easy to navigate. It has made my expense reporting much easier, especially with the ability to upload receipts and categorize expenses at the moment of purchase. As an admin, I appreciate the ability to see all transactions of other cardholders. The app is very easy to set up and allows me to assign budgets, request new cards, and block cards easily. Everything feels easy and smooth. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** Maybe having clear instructions of how things work between the app and the web page. I tried updating the bank account used to pay the card on the web page, but it turns out the change had to be completed in the app. I only figured that out after spending some time trying to finish the update. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** BILL Spend & Expense makes expense reporting easier with receipt uploads and instant categorization. It's simple to set up, assign budgets, request new cards, and block cards, making everything feel easy and smooth. ### 9. Time-saver for staff **Rating:** 4.5/5.0 stars **Reviewed by:** Leann D. | Chief Financial Officer, Small-Business (50 or fewer emp.) **Reviewed Date:** February 19, 2025 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** Appreciate being able to see credit card charges as soon as they happen while giving staff the ability code and approve electronically. AI receipt matching is a time-savers. Being able to sync into our accounting software is a great feature. $0 pricing access and rewards without service fees. Support has always been helpful in resolving issues **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** Inability to sync charges with accounting software without locking for editing (when approval or receipt upload is pending). Also admin not able to approve charges when not the manager. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** Real time reporting of credit card charges instead of waiting for statement. Ability to control cards directly without needing customer service assistance. Creates efficiency for accounting staff and is easy to use for card holders **Official Response from Spencer White:** > Thank you, Leann, for your feedback on BILL Spend and Expense. We are delighted to hear that you enjoy having the ability to see credit card transactions in real-time and that staff have the ability to code and approve through the app. We apologize for any difficulties caused when syncing transactions that are awaiting approval or receipt upload, and for the inconvenience as an admin when being unable to approve charges. Your feedback is invaluable, and we will ensure it is passed on to our product and development team for further review. ### 10. Time-Saving Automated Invoicing and Helpful Line of Credit **Rating:** 5.0/5.0 stars **Reviewed by:** Heather G. | Corporate Office Manager, Mid-Market (51-1000 emp.) **Reviewed Date:** July 15, 2026 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** I like that it automatically enters the invoice for you, which saves time. It also deducts lump sums from the bank account, making it easier to plan and budget. And the line of credit extended to us is helpful whenever we need larger amounts to cover big bills. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** The reports aren’t very intuitive. When I need to look back and see when a payment went out and who was included on that payment, it’s possible to find in Bill, but it takes a few minutes to figure out where to look. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** I like that it pulls the full payment amount from our bank account all at once. I also appreciate that it includes approval levels and helps save time. ### 11. Efficient Expense Management, Ease of Integration **Rating:** 4.0/5.0 stars **Reviewed by:** Cristian C. | Senior Director, Finance and Accounting, Mid-Market (51-1000 emp.) **Reviewed Date:** July 16, 2026 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** I like how BILL Spend & Expense (Formerly Divvy) allows us to control expenses and see an overall picture of the spend for vendors. It's great for managing how much is spent on travel and expense reimbursements to employees. Everything is in one place, which makes it very convenient for managing multiple clients. I appreciate that it integrates with our accounting system, making it easier for the accounts team to use. The ease of use extends to vendors and employees too, especially on the travel and expense side. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** I find the receipt capture needs improvement, especially when dealing with larger merchants or payers. It's kinda difficult sometimes to gather all the receipts for spending expenses. It would be great if the travel features for booking flights, cars, and hotels were all in one place. Also, the system itself should link directly to our accounting system, instead of requiring us to manually add the chart of accounts. It should just grab those charts of accounts directly from the accounting system. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** I use BILL Spend & Expense to control expenses, view overall vendor spend, and manage employee reimbursements, all in one place, streamlining management. ### 12. Versatile Expense Management with Room for Improvement **Rating:** 5.0/5.0 stars **Reviewed by:** Michelle W. M. | Small-Business (50 or fewer emp.) **Reviewed Date:** July 16, 2026 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** I find BILL Spend & Expense easy to use both on the platform and the app, and I love the amazing flexibility with the card controls. It's great that I can assign a card to any employee or volunteer with any spending limit, which means I don't need to constantly process reimbursements. It's super convenient to just turn off a card when an employee leaves or a project is completed. Plus, the ability to program certain cards for specific recurring expenses saves me time from having to do it manually. The initial setup was very easy, thanks to the friendly staff who got us set up quickly to start using the cards. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** I find that the transactions don't always show up right after the charge, and I notice the app doesn't always communicate well with the browser software. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** It provides visibility into everyone's expenses, makes uploading receipts easy, and lets me track expenses efficiently. I like the card controls for flexibility and not having to process reimbursements constantly. ### 13. Easy QB Sync and Budget Limits, but Glitches and Recurring Receipts Slow Us Down **Rating:** 3.5/5.0 stars **Reviewed by:** Verified User in Individual & Family Services | Small-Business (50 or fewer emp.) **Reviewed Date:** July 15, 2026 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** It synced automatically to QBs and it is easy to set someone's budget limit on their credit cards. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** There are a few glitches here and there. It has taken quite some time to try to work out the issues when the spend & expense credit balance is used to pay bills on the bill.com side and how that translates to the reconciliation statement. I also do not like that I haven't been able to set some of the recurring charges up to auto book and sync without attaching a receipt to them or having to go in each month and click that I do not have a receipt and then explain why. That takes too much time each month. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** It makes the entering of credit card charges much faster than it was before we began using Spend & Expense. It also keeps me from having to reconcile each person's receipts to their respective cards. We have each employee responsible for doing that with their own charges. ### 14. Easy Switch to Bill.com That Streamlined Expense Reimbursements **Rating:** 4.0/5.0 stars **Reviewed by:** Verified User in Hospital & Health Care | Mid-Market (51-1000 emp.) **Reviewed Date:** July 14, 2026 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** It was nice to switch from a complicated platform ( Emborse Certify) To Bill.com. Everyone can figure out how to use it quickly and we don't have to wait for expenses to be completed for accounting to do their job. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** You can't make a lot of changes. I accidentaly sent a reimbursement for the wrong amount and even though I caught it within the minute there was no way for me to pull it back. It would be nice if there was a reverse feature where I could pull something back if it was within 5 minutes. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** Our approvers tend to be slower then our accountants it is nice that they don't hold each other. Also, we were able to give all of our sales reps cards with budgets. This has allowed us to stay compliant and monitor our spend much more closely. We are able to control all spend, and surprisingly the amount of receipts that were lost each month has gone down to almost 0 ### 15. User-Friendly with Real-Time Expense Management **Rating:** 5.0/5.0 stars **Reviewed by:** Trey K. | Small-Business (50 or fewer emp.) **Reviewed Date:** July 14, 2026 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** I find BILL Spend & Expense incredibly user-friendly. It's great that you don't have to go through extensive training to use its functions effectively. The ability to expense everything quickly as an employee is really impressive. As an employer, I appreciate the feature that allows me to create different budget categories or buckets and assign specific budgets to staff members within the church's total budget. The biggest positive impact has been the real-time expensing of charges, and the app makes it incredibly helpful by allowing us to capture the information on our phones without holding on to receipts, making everything digital and expediting the process. The initial setup of BILL Spend & Expense was incredibly simple, and I'm very likely to recommend it to others. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** Sometimes the suggested expense isn't accurate. It tends to look at if you bought something and expensed it at one time, for example, on Amazon. Now it's always suggesting the same thing when it's not accurate. But that's not a huge deal. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** I find BILL Spend & Expense solves real-time expensing issues, helping us capture data through our phones and eliminating the need to keep physical receipts. It makes the process faster and more efficient. ### 16. Great Virtual Cards and Cashback, but Project Sync and Reimbursement Sync Need Work **Rating:** 3.5/5.0 stars **Reviewed by:** Verified User in Management Consulting | Small-Business (50 or fewer emp.) **Reviewed Date:** July 14, 2026 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** Easy access to virtual cards for a large crew. Physical cards can also be delivered directly to the crew, and cards can be automatically frozen for non-compliance. Cash back is a great perk, too! **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** Syncing customer projects to BILL Spend & Expense automatically activates all new projects, which means we then have to disable inactive projects in two different places. We want the ability to limit which projects our crew can use and see; right now, they can still view old inactive projects. Also, reimbursements don’t allow billable items to sync to QBO, so we can’t use the Reimbursement feature without that functionality. Finally, we need a way to leave notes with @ tags for crew members so we can communicate back and forth, similar to the notes in BILL AP or the report communication in Expensify. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** I can create a dedicated company credit card for a specific vendor and use it to pay them on a regular basis. I can also create a one-time vendor credit card with a set expiration date and spending amount, so I can give it to a crew member to make a single purchase. ### 17. Effortless Expense Management with Quick Approvals **Rating:** 5.0/5.0 stars **Reviewed by:** Daniela A. | Chief Financial Officer, Small-Business (50 or fewer emp.) **Reviewed Date:** July 14, 2026 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** I like that BILL Spend & Expense allows people to ask for funds, and there are immediately assigned funds on approval, which means we can remove funds as needed. We can issue credit cards without worrying too much about someone's spending because we can monitor and control the spending. It's a really quick request process through the app, and I can review it very quickly on my phone and hit approve, which sends funds to the person's card without a long wait. I also appreciated how easy the initial setup was. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** The downside for me is when someone requests funds, like $100 for paper, and they end up spending $90, I want the $10 difference to be automatically removed from the card. Right now, it needs to be manually removed, and that feels like a shortcoming. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** BILL Spend & Expense helps manage multiple users and their expenses, allowing them to see transactions and upload receipts. I like the quick fund requests that assign and control funds immediately, making spending oversight easier than with shared corporate cards. ### 18. Full Control and Smooth Expense Management with Bill Spend & Expense **Rating:** 5.0/5.0 stars **Reviewed by:** Jessica M. | Accounting Manager, Small-Business (50 or fewer emp.) **Reviewed Date:** July 14, 2026 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** We use Bill Spend & Expense for our Freelance Producers. We remain in full control of their spending, and they are responsible for maintaining proper documentation and completing the transactions for our accounting. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** The one thing I dislike about Bill Spend & Expense is the process I have to go through to upload these transactions into my accounting software. We are still using a desktop version of QuickBooks and the process is a bit tedious. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** We no longer have to issue thousands of dollars in petty cash or hand out our business credit cards to our freelance producers for projects. They have a card in their name with a set budget. ### 19. Convenient for On-Demand VCCs, Needs Better Communication **Rating:** 3.5/5.0 stars **Reviewed by:** Yahel C. | Small-Business (50 or fewer emp.) **Reviewed Date:** July 14, 2026 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** I like how BILL Spend & Expense (Formerly Divvy) makes it easy to keep track and create virtual credit cards on demand. This feature helps me reach different businesses and know where I am spending what. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** I don't like that BILL Spend & Expense (Formerly Divvy) offers only 0.5 points compared to competitors who offer 2x. They also pull credit out of nowhere without any explanation or timeframe for when it can occur. It's annoying to find out how much I spent in a month. The communication is terrible when a refund comes in, and it takes a while. The initial setup was also pretty difficult, I'd rate it a 4 out of 10. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** BILL Spend & Expense makes it easy to keep track of inventory purchases and create virtual credit cards as needed, helping me reach different businesses and know where I am spending what. ### 20. Amazing Virtual Card Platform **Rating:** 5.0/5.0 stars **Reviewed by:** Sarah P. | Adminstrative Director, Small-Business (50 or fewer emp.) **Reviewed Date:** April 30, 2026 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** Virtual card platform that allows us to use a credit card to pay our bills. It's amazing how employees can have different budgets and permissions. It allows us to stay on top of their spending and review and approve all their expenses. I also really like how we can order physical cards for them too. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** We used other platforms that gave us even more control of employees spending. For example other platforms have rules that it will automatically block employees accounts after not submitting receipts. Also, although Divvy does allow us to choose categories for allowed expenses, we found that this blocked some major retailers like Amazon (who sells such a variety of things) and we had to remove that control **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** Yes! It allowed us to give employee cards. It also made it very easy to have lines of credits for our different companies. ### 21. Efficient Expense Tracking with Customizable Budgets **Rating:** 5.0/5.0 stars **Reviewed by:** Joseph d. | Controller, Small-Business (50 or fewer emp.) **Reviewed Date:** May 14, 2025 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** I like the ease of use on the platform and that we can customize different people with different amounts. I also appreciate the ease of reimbursements and how BILL Spend & Expense syncs to QuickBooks online, our accounting software. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** The sync function sometimes does not work properly and gets confused on certain vendors. I've tried to fix some of the issues, but it seems to be an ongoing problem. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** I use BILL Spend & Expense to track expenses and reimbursements efficiently, create budgets for trips, and assign specific amounts to different people. Its ease of use and ability to sync with QuickBooks enhance my workflow. **Official Response from Jenn J:** > Thank you for your five-star review of BILL Spend & Expense! We’re really pleased to hear that you’re enjoying the integration with our AP/AR side. Your feedback on syncing is truly valuable to us, and we genuinely appreciate it. We’re always striving to enhance our software, and your insights help us in that mission. Thank you for sharing! ### 22. Yay DIVVY BILL **Rating:** 4.5/5.0 stars **Reviewed by:** Marcia T. | Accounts Payable Manager, Mid-Market (51-1000 emp.) **Reviewed Date:** August 19, 2024 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** Everything is at your fingertips! You always know what is going on with cards in the field. Taylor Nickel, our Account Executive , is always on the ball! He answers questions right away and helps me at any given moment. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** If, there is anything i would say i didnt like, it would be that the statement only comes one way. Meaning that, it list the charges by date not by user. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** TIME! It has help me with receipt management. Before, I was getting text messages of photos of receipts, then having to code and match them to the statement. A whole new worls with DIVVY-BIll! **Official Response from Jenn J:** > Thank you, Marcia, for your amazing review of BILL Spend & Expense! We are thrilled that you are enjoying everything at your fingertips, always knowing what is happening with the cards in the field and that your account executive answers your questions right and helps when needed. We are sorry for any frustrations caused by the statement coming one way only and listing the charges by date not user. We appreciate all feedback as we are always trying to improve our customer's experience with our software. ### 23. Nonprofit expense management made easy! **Rating:** 5.0/5.0 stars **Reviewed by:** Desiree H. | Chief Operating Officer, Small-Business (50 or fewer emp.) **Reviewed Date:** July 16, 2026 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** I love how easy it is to sync all my transactions into QuickBooks! Prior to using Divvy/Bill, we were still manually entering expenses into Quickbooks and processing reimbursements on a case by case basis. This has save us so much time and allows us to monitor program and special event expenses easily using budgets. It was truly a game changer for us. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** I don't like that I can assign a previous expense to a newly built budget unless I am an admin. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** It is an easy to use expense management system for a nonprofit with multiple departments, various programs, and tracking requirements. ### 24. Effortless Month-End Reporting for Clear, Goal-Driven Budget Tracking **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Non-Profit Organization Management | Small-Business (50 or fewer emp.) **Reviewed Date:** July 14, 2026 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** Our favorite thing about this platform is how easy it is to pull a report at the end of the month to see who spent what, and in what area that money was spent. It has helped us maintain clear goals and it has helped our team see where the money is going. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** Our only challenge with bill is finding a way to give permissions to people without giving them too much access. As the owner of the account we have to allocate money and manage more people than we would like. It would be great to put more ownership in the budget owners hand. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** It has allowed us to come away from having to personal reimbursements. It has given the power to our staff to spend money without us writing a check to them each time they spend money. ### 25. Seamless Integration with Remarkable Cashback **Rating:** 4.5/5.0 stars **Reviewed by:** Maniteja T. | Financial Controller, Retail, Small-Business (50 or fewer emp.) **Reviewed Date:** January 28, 2026 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** I appreciate how BILL Spend & Expense offers ease of use and seamless integration, especially with QuickBooks Online, which helps in categorizing transactions directly and removes the need to post or approve entries on the QuickBooks side. I really like the great cashback provided, which is higher than what we used before. The ability to issue both parent and child cards with BILL directly without needing external software is quite helpful. Additionally, the multiple card usage feature is fantastic, and the initial setup was easy with the team being really helpful throughout. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** I think a feature that can identify fraudulent transactions would make life much easy **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** BILL Spend & Expense simplifies integration with QuickBooks, easing transaction categorization and approval. The card system removes the need for external software, and I appreciate the higher cashback it offers. ### 26. Helpful Funding and Budgeting Tools That Make Spending Easy to Track **Rating:** 4.5/5.0 stars **Reviewed by:** Barbara J. | Founder and CEO, Small-Business (50 or fewer emp.) **Reviewed Date:** July 14, 2026 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** The funding features and the line of credit are really helpful. I also like being able to track our spending and categorize it easily. The budgeting tools are great as well. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** We were given a line of credit, and then it was decreased without any notice, which really hurt us. I emailed for over two weeks and filed a complaint, but still no one has told me why our line of credit was reduced. This experience wasn’t good, and it’s why I gave a review of 9 instead of 10. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** Funding gap and insight into how we spend ### 27. Single-Use Cards Make Bill an Essential Fraud-Prevention Tool **Rating:** 4.5/5.0 stars **Reviewed by:** Verified User in Warehousing | Small-Business (50 or fewer emp.) **Reviewed Date:** July 14, 2026 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** The ability to generate single-use cards for services that I suspect might try to charge me again, and to spin up infinite individual credit cards, make it an essential piece of our business financial tool kit. We've previously experienced fraud and had to change our CC number across all vendors when using a standard bank CC. With Bill, we use a different card number for every merchant. If it's compromised, we know exactly who leaked it. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** I wish the points/rewards program was better - it doesn't compare very favorably to other business rewards programs. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** Bill spend & expense allows us to have peace of mind around providing our CC information to all merchants. We can use a unique card number for each merchant to limit damage from potential fraud / data breach. ### 28. Unlimited Virtual Cards That Keep Our Team Ad Spend in Check **Rating:** 5.0/5.0 stars **Reviewed by:** Corey L. | General Manager of Corporate Sales, Small-Business (50 or fewer emp.) **Reviewed Date:** July 15, 2026 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** I like being able to create an unlimited number of virtual credit cards for my growing sales team of 40 people. It lets me cover their ad spend while still keeping an eye on it. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** So far, I haven’t found anything I dislike about Bill. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** We use social media for advertising, and with a team of salespeople, relying on one or two company credit cards often caused our ad accounts to get flagged and restricted. Bill Spend & Expense solves that problem by making it easier to manage spending without triggering those issues. ### 29. Great product and has saved us a ton of time **Rating:** 4.0/5.0 stars **Reviewed by:** Dersa C. | Finance Manager, Mid-Market (51-1000 emp.) **Reviewed Date:** February 26, 2024 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** Still a very intuitive system. Love the email search for receipts. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** The merge between bill and divvy has not been super smooth and creates some issues with staff accessing the correct systems when they need them. We used both bill and divvy prior to the buy out and there have been some challenges with the new login url and apps. We use bill through Chase bank so that has complicated the use of just bill S&E. Also, we were unable to sign up for a new credit card with out the bill ap also enabled and that created some issues for us so we decided not to use it at all for the new company we have. bill s&e is still great. If we had not been users of bill before the merge would not be such an issue. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** It used to be super time consumig to catagorize our Credit Card expenses. Not any more. **Official Response from Jenn J:** > Thank you, Dersa, for your five star review! We are happy that you find our software user-friendly, that it syncs quickly with QBO, that implementation was easy, and customer service was quick and friendly. Also that your staff was able to pick up the process with only a few questions. We apologize for any issues you may have had with updating the accounts and that the budgets were confusing at first for staff. Please continue to provide us with your feedback as we value our customers' opinions. ### 30. Effortless Transactions, Fast Receipt Uploads, and Seamless Accounting Sync **Rating:** 5.0/5.0 stars **Reviewed by:** Peter O. | Controller, Small-Business (50 or fewer emp.) **Reviewed Date:** July 15, 2026 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** I like how easy it is to process transactions, look up a receipt later when I need it, and sync the data into my accounting system. I also really like the app functionality where employees can easily upload their receipt within seconds of running their card. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** I dislike nothing about BILL Spend & Expense. It's great and I recommend it to everyone. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** BILL Spend & Expense is solving the receipt collection and job costing problems; it has also sped up getting the data into our accounting system. ### 31. Easy Receipt Uploads, but Full Monthly Balance and Support Issues Hurt **Rating:** 3.5/5.0 stars **Reviewed by:** Verified User in Construction | Small-Business (50 or fewer emp.) **Reviewed Date:** July 15, 2026 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** The app is easy to use and upload receipts. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** You have to pay the balance in full every month- this was not clear when we signed up. On tight cash flow months this makes it tough for my small business. We are going to have to start using another card for some large purchases just in case we run into a cash flow issue one month. SUpport is extremely difficult to get in touch with. When I spoke to someone is support they seemed clueless to the questions I was asking. The support email and phone number listed online are incorrect and out of service. The AI really needs to get better at matching receipts sent via email. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** Keeping track of receipts. ### 32. Expense Categorization and Limits Make Management Effortless **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Construction | Small-Business (50 or fewer emp.) **Reviewed Date:** July 14, 2026 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** I love that we can categorize our expenses individually, which saves a lot of office time and effort. I also like that I can set limits. There’s a lot about it that I genuinely like, and it makes managing expenses feel much more organized. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** We liked it as well. There as nothing that we didn't like about it. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** I didn’t realize until recently that we have to spend a certain amount of money each month to earn our points, and that requirement was getting overlooked. I really wish the app would pop up with a reminder when it’s getting close to the end of the month, so I know I need to spend more or I’ll lose my points. ### 33. Excellent Credit Card Spend Management with Strong Budgeting and Controls **Rating:** 5.0/5.0 stars **Reviewed by:** Divyesh P. | Controller, Mid-Market (51-1000 emp.) **Reviewed Date:** July 16, 2026 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** Credit card spend management, budgeting, and controls. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** There’s no option to send a requisition like BREX and then, once it’s approved, have it automatically added to the budget limit. Also, the email receipt function for automatch seems to have been removed, or the customer care representative I called didn’t know about it. Either way, it’s frustrating. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** It helps us identify who spent the money and what it was spent on—something we had no clue about earlier—using just one corporate card. ### 34. Easy to Use, Flexible Fund Controls with Great Rewards **Rating:** 5.0/5.0 stars **Reviewed by:** Patricia H. | Controller, Small-Business (50 or fewer emp.) **Reviewed Date:** June 10, 2026 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** It’s easy to use, and the app works great. It gives us plenty of options and flexibility for controlling funds, and it integrates directly with Intacct as well. The cards are free, and the rewards are good. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** Because there are so many options, it can feel a bit challenging at first. Some of the places where you set up options, policies, or approvers aren’t immediately obvious, so it takes a little time to find what you need. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** The best thing about it, and the main reason I chose it, is that it integrates with our software. ### 35. Streamlines Expense Management with Easy Card Requests **Rating:** 5.0/5.0 stars **Reviewed by:** Beth M. | Research and Remediation Manager, Small-Business (50 or fewer emp.) **Reviewed Date:** July 15, 2026 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** I like that I can manage everything in the online portal without having to call my bank. It's convenient for requesting new employee credit cards, closing cards, or adjusting credit limits. Everything is easily managed right in the portal. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** Sometimes the QuickBooks sync is a little bit off, which has caused some issues like having to go through and adjust things to make sure everything is correct. Also, when we select the vendor, sometimes it's adding duplicate vendors without me realizing. So I think there's some improvements to be made there. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** BILL Spend & Expense helps me quickly manage employee cards and adjust credit limits, saving time by automating receipt uploads and replacing manual processes. ### 36. User-Friendly Spending Control Across App and Browser **Rating:** 5.0/5.0 stars **Reviewed by:** Rebekah P. | Office Administrator, Small-Business (50 or fewer emp.) **Reviewed Date:** July 15, 2026 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** The format is very user-friendly. It is easy to use the app or work in a browser. I have good control over what happens with our team's spending. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** I don't have any complaints at this point. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** BILL allows me to reconcile my expenses much faster and easier than the way we had done it in the past (spreadsheets). This frees up hours of time in the office. It also holds each cardholder accountable for managing their receipts. ### 37. Seamless Integration with QuickBooks, Easy Expense Management **Rating:** 5.0/5.0 stars **Reviewed by:** Erik O. | District Manager, Small-Business (50 or fewer emp.) **Reviewed Date:** July 15, 2026 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** I like the really simple interface of BILL Spend & Expense, which makes it easy and simple to use. I appreciate how seamlessly it integrates into our QuickBooks. The biggest feature for me is categorizing expenses and anticipating where categories will be. I also enjoy using virtual credit cards to allocate budgets to different team members. Additionally, the setup was surprisingly easy. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** The budgets are a little clunky. I wish it was a little bit easier to visualize. But it works really well. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** BILL Spend & Expense gives me cashback on purchases and automatically categorizes expenses for accounting. It integrates with QuickBooks and lets me use virtual credit cards to manage team budgets efficiently. ### 38. Great way to offer your employees expense cards and control their budget **Rating:** 4.5/5.0 stars **Reviewed by:** Gregory H. | Principal and Owner, Small-Business (50 or fewer emp.) **Reviewed Date:** November 13, 2024 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** The fact we can offer each team member a card and control their spend. It gives them autonomy and allows for spending without always asking for approval. This is exactly why we love this card- as well as budgeting **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** I wish you could carry over balances. It would help to be able to carry over some of the expenses to the next billing period. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** Allowing each staff member to have a card to use for their expenses. **Official Response from Jenn J:** > Thank you for your exceptional review of our software, Gregory! We are delighted that you appreciate being able to offer each of your team members a card that you can control their spend on which gives them autonomy and it allows for expenses without having to always ask for approval. We have submitted a feature request for the option to carry over balances to the next billing period to our team. Your feedback is valuable to us, and we're always striving to improve our service. Please don't hesitate to reach out if you have any further suggestions. ### 39. Streamlines Expense Reports, but Needs Better Receipt Matching **Rating:** 4.5/5.0 stars **Reviewed by:** David S. | Operations Manager, Small-Business (50 or fewer emp.) **Reviewed Date:** April 21, 2026 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** I like that BILL Spend & Expense (Formerly Divvy) makes it very easy to do and produce my expense reports. I appreciate the fact that I'm able to upload receipts with ease, which streamlines the process when I'm handling expenses. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** Sometimes the matching of the receipts or when you can email your receipts in, they never match. I use the email receipt feature all the time, and it always sends it back saying that it cannot locate the item. But then when I go in there, I am able to match it up. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** BILL Spend & Expense makes it easy for me to produce my expense reports and upload receipts effortlessly, streamlining my expense management. ### 40. Easy onboarding and card controls, but limited integrations and lackluster support beyond onboarding **Rating:** 3.5/5.0 stars **Reviewed by:** Verified User in Civil Engineering | Mid-Market (51-1000 emp.) **Reviewed Date:** April 30, 2026 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** The onboarding process was light and quick with a very responsive team from sales to onboarding. The simplicity with ease of use on the website was a draw for us with a phone application that provides real-time pings to users for data collection at the point of card use is nice. There are ERP ana accounting system integrations but those are limited in availability. The card works well with options to build and restrict budgets to categories choosen. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** Unfortunately the simplicity was the downside for us. We need to track our expenses in projects with phases, phases with tasks. BILL is unable to integrate with our systems and lacks dependencies meaning we can't like the projects with its respective phases. Also, the budgeting and limitations that can be placed on cards seemed oversold for what was reasonably possible. The categories and groupings couldn't overlap so we would need to create multiple budgets and assign those to each user. Then the user is required to choose the correct budget each time PRIOR to making a purchase, which is a stretch to ask of non-accounting folk users. Lastly, after the onboarding, support has been poor. We have asked to close our account and given promises with no results since. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** The hope was ease of capturing spend data at the time of card swipe by pinging employees to complete and upload the receipt while the event is fresh. This would help code the transaction to the correct project and expense type to reduce the need to nag for reconciliation on the back end while giving us more up-to-date transaction data in our ERP system. ### 41. Centralized Spend Management, Minor Setup Hiccup **Rating:** 4.5/5.0 stars **Reviewed by:** Verified User | Small-Business (50 or fewer emp.) **Reviewed Date:** July 13, 2026 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** I like having the ability to code transactions in one spot and having that flow into accounting, which helps streamline the process. Having one spot to do expense reimbursements is a big plus, and moving away from Excel files makes it easier to have information all in one place. This means I spend less time toggling between different software and more time pulling the correct information that my supervisor needs. The team setup was very easy, which was definitely a plus. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** There needs to be a way in the transaction tab to tag the spender and ask them for more information within the transaction itself or tag my supervisor so that they can see a transaction detail. The setup for me as the manager was a little more difficult, and I wish that I had a more full-time account manager at my disposal instead of a setup manager that then departed because we didn't spend enough money on a monthly basis. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** BILL Spend & Expense centralizes our transactions, simplifies expense reimbursements, and integrates coding into accounting, saving time and reducing the need for Excel. It provides a credit card platform and allows transaction approvals, enhancing our control compared to older methods. ### 42. Streamlined Expense Management with Easy Automation **Rating:** 5.0/5.0 stars **Reviewed by:** Mary Ellen H. | Social Security & Disability Intern, Mid-Market (51-1000 emp.) **Reviewed Date:** July 16, 2026 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** I like the ease of use and the automation tools provided by BILL Spend & Expense (Formerly Divvy). Setting up another user is really easy, which I find very convenient. The automation has improved our turnaround time for coding and increased accountability by having individuals do their own coding. I also enjoy the prefilled mileage standards for reimbursements. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** I find that filtering could be smoother, and sometimes things take a while to load. I also think that notifications for managers could be improved. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** I find BILL Spend & Expense improves turnaround time for coding and increases accountability. It's easy to use with great automation tools and prefilled mileage standards for reimbursements. ### 43. Disjointed Onboarding and a Fragmented Setup Experience **Rating:** 2.5/5.0 stars **Reviewed by:** Sean R. | Executive Consultant - Enterprise Platforms & Digital Transformation, Small-Business (50 or fewer emp.) **Reviewed Date:** April 28, 2026 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** The platform's core concept of combining credit lines with instant expense categorization is strong. When it works, the real-time visibility into spend and the ability to issue virtual cards for specific vendors are helpful features for maintaining budget control across a team. The mobile interface is also relatively intuitive for quick receipt uploads **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** the implementation and onboarding process were notably disjointed. For a tool that is supposed to streamline operations, the setup felt fragmented and lacked a cohesive 'white-glove' experience. I found the transition between the credit approval phase and the actual platform utility to be fumbled, leading to significant delays in getting the system fully operational. Operationally, it feels like several different tools stitched together rather than one fluid ecosystem **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** I think Bill is intended to solve the problem of manual expense reporting and out-of-policy spending. While the virtual card system provides some benefit in terms of security and budget tracking, the initial operational friction during the setup phase significantly diminished the expected ROI and slowed down our financial workflows ### 44. Smooth International Payments, Could Have Better Bank Integration **Rating:** 4.0/5.0 stars **Reviewed by:** Ioannis K. | Kenneth Brayer Professor of Electrical Engineering, Small-Business (50 or fewer emp.) **Reviewed Date:** April 23, 2026 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** I really like the integration of BILL Spend & Expense with a payment card because it handles our travel reimbursements and occasional expenses like Internet and subscriptions. The system is pretty good for international payments too, which works well for us when dealing with German contractors. It saves us the hassle and cost of wire transfers through banks by offering a flat 1% fee for payments in almost any currency. The cards for all employees are nice, keeping everything segregated, and our accountant is happy with the consolidated reports. The audit process was smooth, and the system was effective in confirming expenses. The workflow and approval structure work pretty well for our small team, keeping things compliant. The initial setup was extremely straightforward, and the ability to start using basic functionality for free is nice. I also appreciate that we can transition each vendor into the workflow without doing it all at once. The onboarding is very straightforward and as close to instant as possible. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** So it doesn't integrate quite as well with our bank. It'd be nice if they could pull the balances for the bank accounts more automatically. We get a larger bill, like $12,000 for a repair, we have to check that we won't create a crisis in the account we're pulling the funds from. There are other systems that are more integrated with banks, which is a minor weak point for Divvy. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** I use BILL Spend & Expense for handling bills, expenses, and international payments smoothly. It's great for handling employee expenses with a separate card and offers affordable international transactions, but could improve bank integration. ### 45. Easy Vendor Portal & Payables Visibility **Rating:** 4.0/5.0 stars **Reviewed by:** Sharon M. | Analyst, Mid-Market (51-1000 emp.) **Reviewed Date:** April 30, 2026 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** It integrates easily with many vendor portals, which makes it straightforward to track payables and expenses and provides clear visibility into both. It also connects with accounting software such as Xero, which helps automate tasks and streamline day-to-day workflows. Payments are simple to manage as well, including by credit card, and that increases visibility at all levels. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** It feels like a completely different product from Bill.com’s payables. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** It makes it easy to track payments made using credit cards. As a company that deals with multiple companies, it helps us handle daily accounting tasks more smoothly. Once it’s integrated with accounting software like Sage, it automatically populates the journal entries. ### 46. Easy Nonprofit Expense Tracking with Seamless QuickBooks Integration **Rating:** 4.5/5.0 stars **Reviewed by:** Victoria C. | Program Operations Manager, Small-Business (50 or fewer emp.) **Reviewed Date:** July 13, 2026 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** It's an easy way to do expense tracking for our nonprofit, allowing us to reconcile, categorize and keep records that we need for reporting and compliance. Easy to use interface and app experience and integration with Quickbooks **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** Nothing that I've found, thus far. Honestly it's been great. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** Individuals having access to spending without direct access to our nonprofit's bank account, easy reconciliation and integration of Quickbooks chart of accounts for bookkeeping seamlessly. ### 47. Effortless Payments, Vital for Small Businesses **Rating:** 5.0/5.0 stars **Reviewed by:** Rachel D. | Executive Director, Small-Business (50 or fewer emp.) **Reviewed Date:** April 21, 2026 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** I have used BILL Spend & Expense to receive payments from a vendor, and I try to use digital or electronic payments instead of checks. We can receive payments quickly and not have to wait for a check in the mail, which is really convenient. Even though I haven't used the feature yet, the ability to get an instant payment on an invoice or to finance an invoice upfront seems like it would help with cash flow, especially when cash is tight. For a small business like ours, having the option to finance an invoice is really valuable. Also, setting up BILL Spend & Expense was easy and didn't take long. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** I did not have anything to dislike about the service **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** I use BILL Spend & Expense (Formerly Divvy) to receive payments quickly without waiting for checks. The option to finance invoices is valuable for managing cash flow when payments are pending. ### 48. Mobile App Makes Receipt Capture Fast and Easy **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Non-Profit Organization Management | Small-Business (50 or fewer emp.) **Reviewed Date:** July 15, 2026 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** Our team loves the mobile app. Many of them work in our community and have a lot of paper receipts, mobile use allows them to record the image immediately **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** We have issues getting receipts forwarded in from other inboxes. For instance, many of our receipts go to a shared inbox and not a user specific inbox. This slows the process down and even though I have set up gmail integration and add the email as additional on user profiles it is still not great. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** Bill is solving our expense tracking and receipt collecting. We are a small team but needed a system to keep up with this process. ### 49. Very easy to use for teams **Rating:** 3.0/5.0 stars **Reviewed by:** Verified User in Accounting | Small-Business (50 or fewer emp.) **Reviewed Date:** May 10, 2023 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** The flexibility of budgets, duplicating budgets and people's spend limits, and the phone app make it easier for people to use on the go. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** Reinstate the name "Divvy." People can't remember the Bill.com name and have a hard time distinguishing Bill.com from this "spend" part. It would be so much simpler to keep calling it "Divvy, a Bill.com company." And they must stop lowering the credit limits at random with absolutely no reason for the decrease; people use Divvy in their organizations and come to rely on it for credit and cash management. Undermining this at random, without warning and without cause, undermines trust in the product as a viable tool for a business. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** Managing the whole team's expenses and ensuring the expenses are vetted before we import them into financial software. ### 50. Streamlined Expense Management with Real-Time Visibility and Easy Receipt Capture **Rating:** 4.5/5.0 stars **Reviewed by:** Anderson H. | Sr. Accountant, Mid-Market (51-1000 emp.) **Reviewed Date:** February 02, 2026 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** What I like best about BILL Spend & Expense is how it streamlines expense management end-to-end in one place. The real-time visibility into spending, easy receipt capture, and automatic syncing with accounting systems save a lot of time and reduce manual errors. The approval workflows are straightforward, and having clear controls and reporting makes it much easier to manage budgets and stay compliant without slowing teams down. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** One downside of BILL Spend & Expense is that some features can feel a bit rigid, especially if your company has more complex or unique expense policies. The reporting and customization options aren’t always as flexible as you might want, and there can be a learning curve for new users before everything feels intuitive. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** BILL Spend & Expense solves issues around uncontrolled spending, manual expense reporting, and lack of real-time visibility. It centralizes spend management with built-in controls, automated receipt capture, and accounting integrations. As a result, expenses are processed faster, budgets stay on track, and finance teams save time while gaining better insight into where money is being spent. ## BILL Spend & Expense (Formerly Divvy) Discussions - [Divvy](https://www.g2.com/discussions/divvy) - 1 comment, 2 upvotes - [What is the best way to manage your credit limit?](https://www.g2.com/discussions/what-is-the-best-way-to-manage-your-credit-limit) - 1 comment, 1 upvote - [What’s the best thing to do if I’ve lost a receipt](https://www.g2.com/discussions/what-s-the-best-thing-to-do-if-i-ve-lost-a-receipt) - 1 comment, 1 upvote - [Will an option be available in the future to fund my personal account?](https://www.g2.com/discussions/50587-will-an-option-be-available-in-the-future-to-fund-my-personal-account) - 1 comment, 1 upvote - [Where can I find best practices for setup and use of Divvy?](https://www.g2.com/discussions/where-can-i-find-best-practices-for-setup-and-use-of-divvy) - 1 comment, 1 upvote - [View BILL Spend & Expense (Formerly Divvy) pricing details and edition comparison](https://www.g2.com/products/bill-spend-expense-formerly-divvy/reviews?section=pricing&secure%5Bexpires_at%5D=2026-07-16+19%3A11%3A31+-0500&secure%5Bsession_id%5D=032db593-9923-4bdc-9b01-811b2f604116&secure%5Btoken%5D=6d93bf18101657118787504f0f1f29f90d7e0846ec25962300fdb0a8bd97510e&format=llm_user) ## BILL Spend & Expense (Formerly Divvy) Integrations - 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Trip Notifications - Advanced Integrations **Performance** - KPIs - Benchmarks - Forecasting - Savings **Invoice Processing** - Matching - Payments - Workflows - Tax Compliance **Analytics** - Due Dates - Benchmarking - KPIs **Payment Cards** - One-time Virtual - Recurring Virtual - Physical **Client Invoicing** - Electronic Payments - Project Accounting / Revenue Recognition **Integration** - Accounting - Payment Integration - ERP **Reporting** - Real time - Multiple Views - Export - Budgets **Generative AI - Expense Management** - Image-to-Text - Text Generation - Text Summarization **Payments** - Vendor - Recurring - Employee Reimbursements - ACH **Mobile** - Receipt Capture - Mileage Tracking **Platform** - Embedded AI / Machine Learning - Complex Approval Workflow **Fraud & Risk Management** - Notifications - Unique Cards - Controls **Administration** - PCI Regulation Compliant **Agentic AI - Spend Management** - Proactive Assistance **Administration** - Business Tool Integration - Workflow - Automated Reminders - Policy Compliance Management - User, Role, and Access Management **Platform** - Reporting - APIs / Integration - Internationalization - Performance and Reliability - Mobile User Support **Risk** - Analysis - Identification - Scoring **Recovery** - Recoup - Reporting **Audit** - Filters - Post Audits - Overpayments - Duplicates **Fraud** - Vendor Checks - Data Generation - Monitoring **Agentic AI - AP Automation** - Autonomous Task Execution - Proactive Assistance - Decision Making ## Top BILL Spend & Expense (Formerly Divvy) Alternatives - [Ramp](https://www.g2.com/products/ramp-financial-ramp/reviews) - 4.8/5.0 (2,452 reviews) - [Brex](https://www.g2.com/products/brex/reviews) - 4.8/5.0 (1,587 reviews) - [Navan (Formerly TripActions)](https://www.g2.com/products/navan-formerly-tripactions/reviews) - 4.7/5.0 (9,125 reviews)