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- BILL Spend & Expense (Formerly Divvy)
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- BILL Spend & Expense (Formerly Divvy)-vs-Ramp
Compare BILL Spend & Expense (Formerly Divvy) and Ramp 
At a Glance
Market Segments
Small-Business (65.4% of reviews)
Small-Business (59.7% of reviews)
Entry-Level Pricing
Free
Free
BILL Spend & Expense (Formerly Divvy)
Star Rating
(1,742)4.5 out of 5
Market Segments
Small-Business (65.4% of reviews)
Entry-Level Pricing
Free
Learn more about BILL Spend & Expense (Formerly Divvy)Ramp
Star Rating
(2,115)4.8 out of 5
Market Segments
Small-Business (59.7% of reviews)
Entry-Level Pricing
Free
Free Trial is available
Browse all 3 pricing plansSummary
AI Generated Summary
AI-generated. Powered by real user reviews.
- Users report that Ramp excels in Ease of Use with a score of 9.5 compared to BILL Spend & Expense's 9.1, highlighting that Ramp's intuitive interface makes navigation and task completion more straightforward.
- Reviewers mention that Ramp's Quality of Support is superior, scoring 9.2 versus 8.6 for BILL Spend & Expense, with many users praising Ramp's responsive customer service and helpful resources.
- G2 users indicate that Ramp's Digital Receipt Management feature is highly effective, scoring 9.6, while BILL Spend & Expense scores 9.2, with users appreciating Ramp's seamless integration of receipt capture and organization.
- Users on G2 highlight Ramp's Employee Reimbursement process as more efficient, scoring 9.4 compared to 8.0 for BILL Spend & Expense, noting that Ramp simplifies the reimbursement workflow significantly.
- Reviewers say that Ramp's Bank / Credit Card Integration is more robust, scoring 9.3 against 8.8 for BILL Spend & Expense, with users mentioning the ease of linking accounts and automatic transaction syncing.
- Users report that Ramp's Forecasting capabilities are more advanced, scoring 8.3 compared to 7.6 for BILL Spend & Expense, with many users appreciating the predictive analytics that help in budgeting and financial planning.
Featured Products
Sponsored
BILL AP/AR
(1200)
Vendor Management
Visit Website
Sponsored
BILL Spend & Expense (Formerly Divvy)
(1727)
Vendor Management
Visit Website
Sponsored
Invoiced
(376)
Vendor Management
Visit Website
Pricing
Entry-Level Pricing
BILL Spend & Expense (Formerly Divvy)
BILL Divvy Card
Free
This solution is tied to our traditional unsecured line of credit.
- Access credit lines from $1,000-$5M
- Get as many physical and virtual cards as you need
- Access budgets with proactive spend controls
Ramp
Ramp
Free
Control spend, automate payments, and close the books faster for greater financial health on the ultimate platform.
- Unlimited cards and smart controls
- Automated receipt collection and matching
- Expense and mileage reimbursements
Free Trial
BILL Spend & Expense (Formerly Divvy)
No trial information availableRamp
Free Trial is available
Ratings
Meets Requirements
9.0
1,504
9.4
1,645
Ease of Use
9.1
1,542
9.5
1,682
Ease of Setup
8.8
1,272
9.3
1,028
Ease of Admin
9.0
1,258
9.4
1,018
Quality of Support
8.6
1,407
9.2
1,386
Has the product been a good partner in doing business?
9.1
1,245
9.5
1,003
Product Direction (% positive)
9.1
1,511
9.7
1,568
Features by Category
Expense Reports
8.5
863
|
Verified
9.2
839
8.8
920
|
Verified
9.3
988
8.4
899
|
Verified
9.0
935
9.2
996
|
Verified
9.6
1083
7.9
755
|
Verified
9.4
851
7.9
570
|
Verified
8.6
425
8.5
795
|
Verified
Feature Not Available
Agentic AI - Expense Management
Not enough data
Not enough data
Not enough data
Not enough data
Travel Management
7.7
646
Feature Not Available
6.9
509
8.1
406
6.7
492
Feature Not Available
7.1
568
8.5
451
Client Invoicing
Feature Not Available
Feature Not Available
8.1
760
|
Verified
Feature Not Available
8.0
669
|
Verified
Feature Not Available
Mobile
9.3
958
|
Verified
9.6
1065
7.5
553
|
Verified
Feature Not Available
Feature Not Available
Feature Not Available
Platform
7.3
483
8.6
633
7.9
630
|
Verified
8.8
676
Administration
8.3
573
|
Verified
8.9
451
Administration
8.4
831
|
Verified
9.0
790
8.4
852
|
Verified
9.3
900
8.5
891
|
Verified
9.4
1038
8.5
791
|
Verified
9.3
938
9.0
982
|
Verified
9.4
1010
Platform
8.5
850
|
Verified
9.1
865
8.0
632
|
Verified
8.9
639
7.8
518
Feature Not Available
9.0
913
|
Verified
9.5
1000
9.0
875
|
Verified
9.0
678
Feature Not Available
Feature Not Available
Setup
8.2
654
9.1
595
8.7
708
9.3
739
8.5
575
9.3
394
Performance
7.6
501
Feature Not Available
7.7
507
Feature Not Available
7.5
510
8.2
394
7.7
538
8.9
523
Payment Cards
8.7
597
9.4
554
8.8
618
9.5
596
9.0
699
9.4
646
Reporting
9.0
688
9.5
645
8.7
601
9.2
542
8.7
646
9.1
521
8.6
726
Feature Not Available
Payments
8.4
621
9.2
511
8.7
620
9.2
534
7.7
553
9.2
580
7.9
575
9.2
504
Fraud & Risk Management
8.5
687
9.3
676
8.8
671
9.4
650
9.0
686
9.4
643
Agentic AI - Spend Management
Not enough data
Not enough data
Planning
Not enough data
9.0
26
Not enough data
7.8
25
Not enough data
8.0
25
Not enough data
8.1
24
Execution
Not enough data
7.9
25
Not enough data
8.5
26
Not enough data
7.4
24
Analytics
Not enough data
8.8
28
Not enough data
9.0
28
Not enough data
8.3
29
Agentic AI - Procure to Pay
Not enough data
Not enough data
Data Management
Not enough data
8.4
28
Not enough data
9.1
29
Not enough data
8.3
28
Not enough data
9.1
29
Not enough data
8.6
28
Agentic AI - Accounts Payable (AP) and Spend Analysis
Not enough data
Not enough data
Analytics
Not enough data
7.9
28
Not enough data
7.8
27
Not enough data
8.0
28
Not enough data
8.7
29
Recovery
Not enough data
8.8
27
Not enough data
8.0
26
AP Data Processing
Not enough data
8.7
26
Not enough data
9.0
26
Not enough data
9.1
26
Invoice Management
Not enough data
9.4
109
Not enough data
Feature Not Available
Not enough data
8.8
104
Invoice Processing
Not enough data
9.1
111
Not enough data
9.3
113
Not enough data
9.1
114
Not enough data
Feature Not Available
Analytics
Not enough data
9.1
111
Not enough data
Feature Not Available
Not enough data
Feature Not Available
Integration
Not enough data
9.1
114
Not enough data
Feature Not Available
Not enough data
8.6
104
Risk
Not enough data
Feature Not Available
Not enough data
Feature Not Available
Not enough data
Feature Not Available
Recovery
Not enough data
Feature Not Available
Not enough data
Feature Not Available
Audit
Not enough data
Feature Not Available
Not enough data
Feature Not Available
Not enough data
8.1
97
Not enough data
8.7
102
Fraud
Not enough data
Feature Not Available
Not enough data
Feature Not Available
Not enough data
Feature Not Available
Agentic AI - AP Automation
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Expense Reporting
Not enough data
9.5
95
Not enough data
9.3
90
Not enough data
9.4
90
Not enough data
9.4
93
Travel Management
7.7
646
Feature Not Available
6.9
509
8.1
406
6.7
492
Feature Not Available
7.1
568
8.5
451
Approval
Not enough data
9.4
92
Not enough data
9.4
83
Not enough data
9.6
96
AI - Travel Management
Not enough data
7.9
19
Not enough data
7.8
19
Not enough data
7.9
19
Not enough data
8.6
19
Not enough data
8.7
19
Agentic AI - Travel Management
Not enough data
Not enough data
Not enough data
Not enough data
Agentic AI - Accounting & Finance
Not enough data
Not enough data
Agentic AI - Vendor Management
Not enough data
Not enough data
Revenue Recognition
Not enough data
9.0
57
Not enough data
7.2
53
Not enough data
7.4
53
Categories
Categories
Shared Categories
BILL Spend & Expense (Formerly Divvy) and Ramp are categorized as Expense Management and Spend Management
Unique Categories
BILL Spend & Expense (Formerly Divvy) has no unique categories
Ramp is categorized as Procure to Pay, AP Automation, Travel Management, Vendor Management, and Accounts Payable (AP) and Spend Analysis
Reviews
Reviewers' Company Size
BILL Spend & Expense (Formerly Divvy)
Small-Business(50 or fewer emp.)
Mid-Market(51-1000 emp.)
Enterprise(> 1000 emp.)
Ramp
Small-Business(50 or fewer emp.)
Mid-Market(51-1000 emp.)
Enterprise(> 1000 emp.)
Small-Business
(50 or fewer emp.)
Mid-Market
(51-1000 emp.)
Enterprise
(> 1000 emp.)
Reviewers' Industry
Non-Profit Organization Management
13.9%
Construction
8.7%
Accounting
7.5%
Religious Institutions
4.6%
Computer Software
4.5%
Other
60.8%
Computer Software
14.5%
Information Technology and Services
8.9%
Non-Profit Organization Management
6.7%
Financial Services
5.3%
Construction
4.6%
Other
60.0%
Most Helpful Reviews
BILL Spend & Expense (Formerly Divvy)
Most Helpful Favorable Review
William L. D.
Verified User in Medical Practice
We switched from an old Visa card with no online functionality, lengthy customer service calls, and overall nothing more than a working credit card. Not to mention, it took 3 months to set up automatic payments every time we opened a new card. Switching...
Most Helpful Critical Review
Natasha G.
Verified User in Computer Software
Support - low to respond, lacking knowledge. Application process - instead of 2 days, it took 4 months to get on the system. Software limitations - doesn't work well with anything outside of US (you have to have US based company with credit history and...
Ramp
Most Helpful Favorable Review
Brian G.
Verified User in Religious Institutions
Ramp does a great job at the most basic/core function of providing a great platform for corporate cards. Its easy for our employees to use and provides a great number of features that encourages employees to track expenses better. Meanwhile, the platform...
Most Helpful Critical Review
Mitch C.
Verified User in Real Estate
We had our credit line reduced to ZERO after our January payment posted with absolutely no notice or communication. Field team went to use the card for gas, and was declined. I called thinking this was an error, and they said one of the connected bank...
William L. D.
Verified User in Medical Practice
We switched from an old Visa card with no online functionality, lengthy customer service calls, and overall nothing more than a working credit card. Not to mention, it took 3 months to set up automatic payments every time we opened a new card. Switching...
Brian G.
Verified User in Religious Institutions
Ramp does a great job at the most basic/core function of providing a great platform for corporate cards. Its easy for our employees to use and provides a great number of features that encourages employees to track expenses better. Meanwhile, the platform...
Natasha G.
Verified User in Computer Software
Support - low to respond, lacking knowledge. Application process - instead of 2 days, it took 4 months to get on the system. Software limitations - doesn't work well with anything outside of US (you have to have US based company with credit history and...
Mitch C.
Verified User in Real Estate
We had our credit line reduced to ZERO after our January payment posted with absolutely no notice or communication. Field team went to use the card for gas, and was declined. I called thinking this was an error, and they said one of the connected bank...
Discussions
How do you use divvy?
2 comments
SW
Business credit development and expense monitoring.Read more
Is divvy free?
2 comments
GM
Yes, no signup or yearly fees. Great Business Credit Card, No Personal Guarantee just like CapitalOnTap.Read more
When will importation of transactions include jobs?
1 comment
MB
Based on my conversations with Divvy people at QuickBooks Connect, it should be now or momentarily. The work around would be to have several expense...Read more
When can we expect a native iOS app? When can we see Microsoft identity integration?
3 comments
NS
Hi Jason - Happy to share that our team is heads-down working on a beta release for iOS due in August. No plans for Microsoft SSO on the roadmap, but if...Read more
Ramp has no more discussions with answers
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