BILL Spend & Expense (Formerly Divvy) Reviews & Product Details

BILL Spend & Expense is expense management software that issues corporate cards with customizable spending limits and tracks transactions in real time, letting finance teams and department managers set budgets, collect receipts and automate expense reconciliation.

G2 Verdict on BILL Spend & Expense (Formerly Divvy)

BILL Spend & Expense (Formerly Divvy) is best suited for Small-Business department managers issuing corporate cards and tracking employee spending against budgets, with Small-Business reviewers at 65.3%, Mid-Market reviewers at 33.2%, and Enterprise reviewers at 1.5%.

BILL Spend & Expense (Formerly Divvy)'s most common use case is tracking employee card spending and reconciling receipts in real time.

Reviewers praise BILL Spend & Expense (Formerly Divvy)'s no cost to use, real time spend visibility and budgeting and spend limit controls. The recurring complaint is slow, hard to reach customer support when issues arise.

What reviewers rate highest in BILL Spend & Expense (Formerly Divvy)

Real-Time Monitoring: 9.2/10 from 746 BILL Spend & Expense (Formerly Divvy) reviewers (category average 9.0).
Digital Receipt Management: 9.1/10 from 1,242 BILL Spend & Expense (Formerly Divvy) reviewers (category average 8.9).
Receipt Capture: 9.1/10 from 1,148 BILL Spend & Expense (Formerly Divvy) reviewers (category average 8.9).

What reviewers rate lowest in BILL Spend & Expense (Formerly Divvy)

Trip Notifications: 6.3/10 from 616 BILL Spend & Expense (Formerly Divvy) reviewers (category average 8.2).
Itinerary Management: 6.6/10 from 634 BILL Spend & Expense (Formerly Divvy) reviewers (category average 8.2).
Advanced Integrations: 6.7/10 from 691 BILL Spend & Expense (Formerly Divvy) reviewers (category average 8.1).

BILL Spend & Expense (Formerly Divvy) trails the Expense Management Software category average on 1 of 7 scores, most notably Quality of Support at 8.6 against 9.0.

Product capability scores and category averages
What buyers evaluate	BILL Spend & Expense (Formerly Divvy)	Category average (94 to 103 products)
Ease of Setup	8.9	9.0
Ease of Use	9.2	9.1
Ease of Admin	9.1	9.0
Quality of Support	8.6	9.0
Meets Requirements	9.1	9.1
Ease of Doing Business With	9.2	9.1
Product Going in Right Direction	9.0	9.0

Seller

BILL (previously Bill.com)

Discussions

BILL Spend & Expense (Formerly Divvy) Community

Languages Supported

English

Solution Type

All-in-One

Overview by

Matt Robinson

Used by HireNetworks and 2 others

Beta

Pricing

Pricing provided by BILL Spend & Expense....

Spend & Expense

$0.00

1 user Per Month

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BILL (previously Bill.com) Solutions

(1)

See how BILL (previously Bill.com) products can work together to solve real problems.

BILL Spend & Expense (Formerly Divvy) Integrations

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Kyler F.

Head of Finance

Mid-Market (51-1000 emp.)

9/2/2026

"Terrible Customer Service"

0/5

Describe the project or task BILL Spend & Expense (Formerly Divvy) helped with:

We use BILL Spend & Expense for corporate credit cards for our employees, both virtual cards and physical plastic cards. We also use it for expense reimbursements. Review collected by and hosted on G2.com.

What do you like best about BILL Spend & Expense (Formerly Divvy)?

It's free I guess, which is why we decided to try it out Review collected by and hosted on G2.com.

What do you dislike about BILL Spend & Expense (Formerly Divvy)?

The user interface is not very intuitive, which leads you to click "help" and find unhelpful support articles which inevitably leads to contacting customer support. The customer support is TERRIBLE. It is the worst customer support I have ever encountered. The AI just regurgitates the same unhelpful information you read in the support article and when you ask to talk to a human, it's always an incredible unhelpful aloof person. On the live chat, I am not entirely convinced I am even talking to a live human being. The expense reimbursements don't sync correctly and you can't rename the "categories" without completely redoing the entire integration Review collected by and hosted on G2.com.

Recommendations to others considering BILL Spend & Expense (Formerly Divvy):

What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?

Johanna H.

Human Capital Finance Director

Small-Business (50 or fewer emp.)

7/17/2026

"Bill Spend & Expense Streamlined Our Workflow with an Intuitive, Empowering App"

5/5

What do you like best about BILL Spend & Expense (Formerly Divvy)?

There are a multitude of features and aspects of Bill Spend & Expense that I think are great. It has significantly improved our workflow and reduced the time spent, not only from a card holder’s perspective but also from an administrative one. When selecting a credit card expense service, the user interface is key as well, not just the administrative side.

Our card holders love that they can control everything on the card without having to contact Admin. The policy rules within budgets are great because I can require certain things from one group of people that may be different from another. The mobile app is also great: not only is everything at my fingertips, but my card holders love the ease of use and the information available to them. Review collected by and hosted on G2.com.

What do you dislike about BILL Spend & Expense (Formerly Divvy)?

Working with different credit card expense companies in the past for my business, I honestly haven't found something that I actually dislike. I learned about Bill Spend & Expense at a conference, received a demo and knew right away that I needed to bring this to our company because it had everything that I would need and more. Review collected by and hosted on G2.com.

What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?

Our employees completing their credit card transaction right on the app or on the website browser is one of the biggest solutions. With our prior company credit card expense programs, we did not have that capability, completion and reconciling was done on excel spreadsheet and folders holding receipts, it was so time consuming that my card holders were constantly behind on completing their transactions by months at a time. Now, completing a transaction is quick and easy and reconciling from an administrative stand point has brought down the amount of time I spend from a week, to a matter of less than 30 minutes. Review collected by and hosted on G2.com.

Jordyn P.

Executive Assistant

Mid-Market (51-1000 emp.)

7/15/2026

"Streamlines Multi-Manager Spending with Clear Budget Accountability"

5/5

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. Review collected by and hosted on G2.com.

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. Review collected by and hosted on G2.com.

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. Review collected by and hosted on G2.com.

Jillian O.

Executive Director

Small-Business (50 or fewer emp.)

7/14/2026

"Convenient Employee Cards, Easy Receipt Capture, and Great Cash Back"

4.5/5

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. Review collected by and hosted on G2.com.

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. Review collected by and hosted on G2.com.

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. Review collected by and hosted on G2.com.

Steven F.

Controller

Mid-Market (51-1000 emp.)

7/14/2026

"Easy Card Creation and Spend Controls with Helpful Support"

5/5

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. Review collected by and hosted on G2.com.

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. Review collected by and hosted on G2.com.

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. Review collected by and hosted on G2.com.

Adriana P.

Accounting

Mid-Market (51-1000 emp.)

7/14/2026

"Bill Spend & Expense: Fast, Efficient, and a Big Boost to Expense Submissions"

5/5

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. Review collected by and hosted on G2.com.

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. Review collected by and hosted on G2.com.

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. Review collected by and hosted on G2.com.

Laura D.

Controller

Mid-Market (51-1000 emp.)

7/14/2026

"BILL Spend & Expense Makes Coding and Receipt Uploads Effortless"

4.5/5

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. Review collected by and hosted on G2.com.

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. Review collected by and hosted on G2.com.

Ashley N.

Accounting Manager

Small-Business (50 or fewer emp.)

7/17/2026

"Real-Time Spend Visibility and Seamless Expense Tracking for Faster Month-End Close"

4/5

What do you like best about BILL Spend & Expense (Formerly Divvy)?

As an Accounting Manager, I like the real-time visibility into employee spending, customizable budgets and card controls, and the seamless expense tracking. It simplifies receipt collection, speeds up reconciliation, and integrates well with accounting systems, making month-end close much more efficient. Review collected by and hosted on G2.com.

What do you dislike about BILL Spend & Expense (Formerly Divvy)?

One drawback is the integration with Acumatica. The sync can be limited and may require manual review or adjustments to ensure transactions, coding, and expense data are imported correctly. A more seamless and reliable Acumatica integration would reduce manual work and improve efficiency. Review collected by and hosted on G2.com.

What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?

BILL Spend & Expense helps us streamline company expense management by providing real-time visibility into employee spending, simplifying receipt collection, and reducing manual expense reporting. It also helps enforce spending controls and speeds up the reconciliation process, allowing our accounting team to close the books more efficiently and maintain better oversight of company expenses. Review collected by and hosted on G2.com.

Darrell J.

Salesperson

Small-Business (50 or fewer emp.)

7/15/2026

"Keep tracking made easy with Bill Divvy"

5/5

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 Review collected by and hosted on G2.com.

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 Review collected by and hosted on G2.com.

Ana O.

Office Manager - Compliance Officer

Small-Business (50 or fewer emp.)

4/29/2026

"Effortless Expense Management with User-Friendly Interface"

5/5

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. Review collected by and hosted on G2.com.

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. Review collected by and hosted on G2.com.