--- title: BILL Spend & Expense (Formerly Divvy) Reviews meta_title: 'BILL Spend & Expense (Formerly Divvy) Reviews 2026: Details, Pricing, & Features | G2' meta_description: Filter 2209 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: 2209 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:** 2,209 ## 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. 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. ### 6. 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 ### 7. 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. ### 8. 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. ### 9. 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. ### 10. 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. ## 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/bill-spend-expense-formerly-divvy-review-12878808?section=pricing&secure%5Bexpires_at%5D=2026-07-16+15%3A18%3A50+-0500&secure%5Bsession_id%5D=dd308c5b-165a-435e-ba07-b4cdabc74cca&secure%5Btoken%5D=500cca2d93dbc74f80cec759c912296be4e213ecfa735cc92db03bbaa63ddb8b&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)