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

BILL Spend & Expense (Formerly Divvy) Overview

What is BILL Spend & Expense (Formerly Divvy)?

BILL Spend & Expense (formerly known as Divvy) is an all-in-one expense management solution designed to assist businesses in effectively managing their financial transactions. This innovative platform integrates free software with corporate cards, enabling users to gain real-time visibility into their spending while offering customizable controls tailored to their specific financial needs. By streamlining expense management, BILL Spend & Expense empowers businesses to take charge of their finances with greater efficiency and accuracy. Targeted primarily at small to medium-sized enterprises, BILL Spend & Expense serves a diverse audience that includes finance teams, business owners, and operational managers. These users often face challenges in tracking expenses, managing budgets, and ensuring compliance with company policies. The software addresses these pain points by providing a comprehensive suite of tools that facilitate expense tracking, budget management, and reporting. This makes it an ideal solution for organizations seeking to enhance their financial oversight and decision-making processes. One of the standout features of BILL Spend & Expense is its real-time visibility into spending patterns. Users can monitor transactions as they occur, allowing for immediate insights into budget adherence and spending trends. This feature is particularly beneficial for businesses that require tight control over their finances, as it enables proactive management of expenses and helps prevent overspending. Additionally, the platform offers customizable controls that allow users to set spending limits and approval workflows, ensuring that all expenditures align with company policies. The integration of corporate cards further enhances the functionality of BILL Spend & Expense. These cards are designed to work seamlessly with the software, enabling automatic transaction syncing and reducing the administrative burden of manual expense reporting. Users can easily categorize expenses, attach receipts, and generate reports, which simplifies the reconciliation process and saves valuable time. Moreover, the platform's user-friendly interface ensures that employees can navigate the system with ease, promoting adoption across the organization. Overall, BILL Spend & Expense stands out in the expense management category by offering a robust solution that combines powerful software with practical financial tools. Its focus on real-time visibility, customizable controls, and seamless integration with corporate cards makes it a valuable asset for businesses looking to optimize their financial management processes. By leveraging this solution, organizations can enhance their financial discipline, improve budget compliance, and ultimately drive better business outcomes.

This product is included in:

BILL Financial Operations Platforms

3,071 reviews

BILL Spend & Expense (Formerly Divvy) Details

Product Website

Discussions

BILL Spend & Expense (Formerly Divvy) Community

Languages Supported

English

Show LessShow More

Product Description

Divvy is free, fully-automated proactive spend management platform, giving instant visibility and control over company spend and expenses.

How do you position yourself against your competitors?

BILL Spend & Expense (formerly Divvy) offers an extraordinary way for businesses to gain complete control over their spending with our user-friendly software and corporate cards. Our unique budgeting software allows companies to precisely manage their expenses while also simplifying cash flow planning. With customers across America, our platform provides live support to help your team every step of the way. And the best part? It’s completely free, so managing your business expenses is easier than ever.

Seller

BILL (previously Bill.com)

Description

BILL (NYSE: BILL) is a leading financial operations platform for small and midsize businesses (SMBs). As a champion of SMBs, we are automating the future of finance so businesses can thrive. Our integrated platform helps businesses to more efficiently control their payables, receivables and spend and expense management. Hundreds of thousands of businesses rely on BILL’s proprietary member network of millions to pay or get paid faster. Headquartered in San Jose, California, BILL is a trusted partner of leading U.S. financial institutions, accounting firms, and accounting software providers. For more information, visit bill.com.

Overview Provided by:

Matt Robinson

BILL Spend & Expense (Formerly Divvy) Media

BILL Spend & Expense (Formerly Divvy) Demo - Company Dashboard

High level overview of your available credit and current spending.

BILL Spend & Expense (Formerly Divvy) Demo - Budget Detail

Take control of your business budgets and say goodbye to the "spend now, ask forgivenss later" mentality.

BILL Spend & Expense (Formerly Divvy) Demo - Transactions

View a complete list of all transactions and their current status on your physical and virtual cards.

BILL Spend & Expense (Formerly Divvy) Demo - Mobile Wallet

Spend Smarter™ on the go. Manage budgets, expenses, and more from the palm of your hand - all for free.

BILL Spend & Expense (Formerly Divvy) Demo - Insights

Real-time visibility at your fingertips.

BILL Spend & Expense (Formerly Divvy) Demo - Mobile Spender View

Quickly and easily create a new virtual card, request funds, or reimbursements.

BILL Divvy Reserve Card

HR Integration

G2 reviews are authentic and verified.

Here's how.

Brandon M.

Admin

Small-Business (50 or fewer emp.)

7/3/2025

"Pure simplicity and efficient"

5/5

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

The invoice and process is relatively simple. payment processing is simple from a business standpoint. I started using Bill almost 3 years ago and I can say I have never been disappointed. In addition the customer support staff responds quickly and is very polite.

All the things I look forward in a platform is simplicity, efficiency and super customer support. Bill.com has all of those key points I look for in a platform and a company. Review collected by and hosted on G2.com.

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

For the multi-factor authentication. I'd prefer an authenticator app option over the text or phone call. I also wish the instant transfer option was under the bank and payment accounts tab. other than that i don't have any other dislikes. Review collected by and hosted on G2.com.

Response from Barb W of BILL Spend & Expense (Formerly Divvy)

edit

Thank you so much, Brandon, for taking the time to share your thoughtful review of BILL Spend & Expense! We’re truly delighted to hear that you find the invoicing process straightforward and that payment processing runs smoothly for your business. It’s wonderful to know that your experience has been consistently positive and free from disappointments. We recognize how important it is to have a supportive and responsive customer service team, so it warms our hearts to hear that our team has been there for you when you need assistance. We’re also thrilled to learn that BILL has met your expectations as a platform. Your feedback on MFA is incredibly important to us, and we genuinely appreciate you bringing it to our attention. We’ll ensure that your insights are shared with the appropriate team for consideration in future updates. Additionally, we’re eager to explore your suggestions regarding the Instant Transfer option under the bank and payment tab. As we strive to enhance our service, your input is invaluable to us. Please don’t hesitate to reach out with any more ideas or suggestions you might have. We’re here to support you!

Sarah M.

Executive Director

Mid-Market (51-1000 emp.)

5/19/2025

"Amazing Time Saver!!!"

5/5

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

The Bill has been a game-changer for our bookkeeping workload! It’s rare that a new app or technology actually delivers on its promises, but this system has exceeded our expectations. Our receipting process is smoother than ever—staff can snap an immediate picture of their receipt, eliminating the risk of losing it before turning it in to the office.

Beyond that, dispersing funds to employees has never been easier. This app has streamlined our financial process in ways we didn’t think possible. I can’t say enough good things about it—our team loves it, and I do too! Review collected by and hosted on G2.com.

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

I absolutely love this app—so much so that finding any drawbacks is a challenge! If I had to point out one area for improvement, it would be the ease of use from the administrator’s perspective. While I’ve got the hang of navigating it now, the initial learning curve wasn’t entirely intuitive. That said, once you get familiar with the system, it’s smooth sailing! Review collected by and hosted on G2.com.

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

This app has been a huge time-saver! Tasks that used to require endless calls—tracking down receipts, managing bookkeeping, distributing funds to staff, and handling requests—are now done in a fraction of the time. The streamlined process has made our financial management smoother and more efficient than ever! Review collected by and hosted on G2.com.

Response from Barb W of BILL Spend & Expense (Formerly Divvy)

edit

Sarah, we appreciate the fantastic review of BILL Spend & Expense!! We are thrilled to hear that your experience has exceeded your expectations and that your receipt process is smoother than ever. Having the option to snap a picture of the receipt reduces your chance of loss, which is great for your business. We are also glad to hear that the ease of use is a game-changer for your organization. We appreciate your feedback about navigating from an Admin perspective, and that it can be cumbersome at first, but once you grasp it, it becomes smooth sailing. Please continue providing feedback, as we are always working hard to improve our software.

Aliz A.

Senior Director of Procurement and Business Administration

Mid-Market (51-1000 emp.)

5/19/2025

"Easy to use and navigate"

5/5

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

I love how easy it is to reconcile and submit an expense for approval. No need for separate expense reports, everything is at your fingertips to upload and review transaction details. I use it on a daily basis to approve and reconcile transactions. Implementing the solution was super simple and quick. The customer service team is very helpful. Review collected by and hosted on G2.com.

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

Sync is a bit complicated to get the data as we need it to into our Sage Intacct environment. Comparing it to Concur it uses a different logic, which is a great thing, just something to get accustomed to. 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 and Expense (Divvy) allows us to use a corporate card solution and expense solution without having to push transactions through a third party (and very costly) platform (such as Concur). It makes reconciliation much easier and straight forward. We are able to push more of our spend through credit cards that reduces our need for vendor setup and AP transactions. Review collected by and hosted on G2.com.

Response from Barb W of BILL Spend & Expense (Formerly Divvy)

edit

Aliz, I would like to express my gratitude for your insightful review regarding BILL Spend & Expense. We are pleased to learn that your organization finds it straightforward to reconcile and submit expenses for approval, eliminating the need for separate reports and enabling easy access to upload and review transactions. We also acknowledge your feedback regarding the synchronization issues and the difficulties you encounter in transferring the required data to Sage. We understand that this remains an ongoing challenge for your organization. Customer feedback is invaluable to us, as it allows us to understand what aspects of our service are effective and which areas require improvement. Thank you for sharing your experiences with us.

Heather C.

Corporate Office Manager

Mid-Market (51-1000 emp.)

5/19/2025

"BILL Spend and Expense is a great resource for business"

5/5

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

BILL Spend & Expense is incredibly easy to use, which made onboarding and setup a smooth process from the start. One of its standout features is the budget tracking—it works exceptionally well for managing spending across multiple team members, giving clear visibility and control. I also appreciate the excellent customer service; every interaction I’ve had has been responsive and helpful. Overall, it’s a reliable and user-friendly tool for managing business expenses. Review collected by and hosted on G2.com.

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

Honestly, I don’t have any complaints. The platform has been reliable, intuitive, and effective for our needs. It’s rare to find a tool that works this well right out of the box, but BILL Spend & Expense has really delivered. 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 efficiently manage budgets and spending across multiple managers in different states, which has greatly improved visibility and control over company expenses. It simplifies the process of tracking and enforcing budgets in real time. Additionally, the generous credit limit has been a huge help on several occasions when we’ve faced large or unexpected expenses—it’s provided flexibility and peace of mind when we’ve needed it most. Review collected by and hosted on G2.com.

Response from Barb W of BILL Spend & Expense (Formerly Divvy)

edit

Thank you so much for the amazing review of BILL Spend & Expense! We’re absolutely delighted to hear that you and your team find the platform super easy to use and that it fits your daily needs perfectly. It’s fantastic to know that you love the budget tracking feature and that it helps you manage spending among team members more smoothly. We’re also thrilled to hear that you’ve had excellent experiences with our customer support! We truly appreciate your feedback, and we’re always here to listen to what works for you and how we can make your experience even better.

Marcus W.

Controller

Small-Business (50 or fewer emp.)

5/19/2025

"Streamlines employee spend and gives you instant control over accounts."

4.5/5

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

With this, I am easily able to track employees spend, set specific budgets, and set up virtual cards so individual vendor payments don't go over budget. Tracking the status of charges, and supporting documentation is simple and the app works seamlessly. Review collected by and hosted on G2.com.

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

One issue I have is that there is not a direct connection to the accounting software I use. I am able to export transactions and upload to my accounting software, but a direct link would be better. I do use a specialty accounting software for nonprofits, but a connection would still be appreciated. I have also had staff say that they have run into PDFs that do not attach to the transactions in the portal, but I have not personally had this happen. I have seen receipts sent in by email not attach or find the correct transaction, but this happens rarely. Review collected by and hosted on G2.com.

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

This has helped with monitoring and controlling who can spend what on company credit cards. Setting budgets and being able to adjust those is very simple. Additionally, the export of transactions and loading of transactions into my accounting system has saved a significant amount of time. Review collected by and hosted on G2.com.

Response from Barb W of BILL Spend & Expense (Formerly Divvy)

edit

Marcus, thank you for your fantastic review of BILL Spend & Expense. We are thrilled to hear that you can effectively track employee spending, set budgets, and create virtual cards to ensure that payments to individual vendors remain within budget. Additionally, tracking the status of charges and supporting documentation is straightforward, and the app operates seamlessly for your company. Regarding your accounting software and the lack of a direct connection, we understand that this is not ideal, but we are pleased to hear that uploading transactions is working for your organization's needs. Furthermore, concerning attaching documents to transactions, there are a few things to note, and I will be more than happy to provide the guides that should help. We value your feedback and are always striving to improve our service. Please don't hesitate to contact us if you have any further suggestions.

See how BILL Spend & Expense (Formerly Divvy) improved

David A.

Business Administrator

Small-Business (50 or fewer emp.)

5/19/2025

"Fast and Easy"

5/5

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

It pairs with QuickBooks which makes reconciling expenses fast and easy. It also gives our employees real time budget updates so they always know where they stand. Corrections are easy to work through. The ability to freeze a lost card or in the instance of fraud is a nice option. Review collected by and hosted on G2.com.

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

When using the app, the user can change the budget being used, sometimes without them knowing they did it. This will cause all future expenses to come out of the incorrect budget without their knowledge. Part of this is an employee issue, but it would be nice to be able to set a default budget for those in multiple budgets. Review collected by and hosted on G2.com.

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

We previously had multiple credit cards with multiple users. Our financial reports would run anywhere from 1-2 months late due to the time it would take to get the reports in, have employees complete their expense reports, have them returned to me and then I input the information into QB. This process has become real time and can be completed within a day after the end of the month. It also has given our department heads real time knowledge of expenses hitting their budgets. Review collected by and hosted on G2.com.

Response from Jenn J of BILL Spend & Expense (Formerly Divvy)

edit

Thank you for your five-star review of BILL Spend & Expense, David! We love that our software has paired well with QuickBooks, allowing for fast and easy expense reconciliation. Your employees receive real-time budget updates, making corrections easy to handle. The ability to freeze a lost card or address instances of fraud has been a valuable option. We apologize for any frustration caused by users being able to adjust the budget when using the app, and appreciate the idea of being able to set a default budget for those with multiple budgets. We value your feedback and are always striving to improve our service. Please don't hesitate to contact us if you have any further suggestions.

Jennifer P.

Controller

Small-Business (50 or fewer emp.)

5/19/2025

"Ease of Import & Improved Processing Time"

4.5/5

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

I access the system daily and utilizing this system has cut down our expense processing time and made things much simpler. Having receipts uploaded has also made it so employees do not have to make a weekly trip to the office to drop reciepts off. It provides us with real time data which eliminates any delays. All information is transfered to our accounting system seamlessly and can be billed to customers quickly. Setup and integration was easy and support during the process was helpful. Review collected by and hosted on G2.com.

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

I wish there was a pay over time option for the card. Sometimes money flow can be slower and this option would be beneficial for small companies. It would also be beneficial to have a way to cusomize reminder messages or ask employees questions about charges directly from the charge itself. Review collected by and hosted on G2.com.

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

This system provides real time data which eleminates delays and allows us to bill customers immedately for material purchases. Employees do not have to make a weekly trip to the office to drop reciepts off. It also eliminates the chance of data entry errors in our accounting system. Review collected by and hosted on G2.com.

Response from Jenn J of BILL Spend & Expense (Formerly Divvy)

edit

Thank you for your outstanding feedback on BILL Spend & Expense, Jennifer! We are so excited to hear that you access our system daily, which significantly reduces expense processing time and simplifies operations. Your employees can upload receipts, eliminating the need for weekly office trips. The system also provides real-time data, ensuring timely information transfer to the accounting system for quick customer billing. Setup and integration were straightforward for your team, and support was helpful throughout the process. We appreciate your ideas of a pay-over-time option for a card, which would help small companies manage their cash flow, and an option for customizable reminder messages or a way to ask employees questions about charges directly linked to those charges. Please continue to provide your feedback. We value our users' suggestions when planning the future of our software.

Andre R.

Founder, CEO

Small-Business (50 or fewer emp.)

5/18/2025

"Streamlined, Smart and Effective"

5/5

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

What I love most is the full control it gives me over spending, without micromanaging every transaction. BILL allows us to issue virtual and physical cards, set budgets in real-time, and track expenses. It's like giving every team member freedom. It's a clean design, intuitive, and made for real businesses, even creative ones like ours, not just accountants. The automation of recurring expenses, reimbursement flows, and quick sync with accounting software saves hours each week. It's been easy use enough we haven't had to use too much customer support. It's easy to understand and implement into our processes. Review collected by and hosted on G2.com.

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

It’s not a dealbreaker, but the approval process for reimbursements can sometimes feel clunky, especially if multiple approvers are involved. We'd also love deeper integrations with some lesser-known financial tools and a bit more customization in reporting views. But overall, these are minor little tweaks in an otherwise top-tier platform. Review collected by and hosted on G2.com.

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

It’s helped eliminate the chaos of expense tracking, random card charges, and messy reimbursements. We’ve got full visibility across teams, instant budget controls, and the ability to issue employee cards with limits tied to actual roles—not guesswork. That level of control plus automation has cut down on fraud risk, messy reconciliation, and back-and-forth accounting drama. It’s streamlined, efficient, and scalable. Review collected by and hosted on G2.com.

Response from Jenn J of BILL Spend & Expense (Formerly Divvy)

edit

Thank you for your phenomenal review of BILL Spend & Expense, Andre! We love that you enjoy the full control it gives you over spending, without the need for micromanagement, and that it features virtual and physical card issuance, real-time budget setting, and expense tracking. Also, the platform is designed for businesses, including creative ones, with a clean and intuitive interface that automates recurring expenses and reimbursement processes, seamlessly syncs with accounting software, and requires minimal customer support, making it easy to implement into existing workflows. We're sorry for any frustration caused by the approval process for reimbursements, which is clunky at times if more than one approver is involved. We have passed along your idea of some deeper integrations with some of the lesser-known financial tools to our team for perusal. Please continue to provide your feedback. We value our users' suggestions when planning the future of our software.

Sam A.

Volunteer church treasurer

Small-Business (50 or fewer emp.)

5/17/2025

"Using BILL to manage purchases by leaders of our different church ministries."

4.5/5

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

This is a great program to help manage different budgets for all the ministries at our church. Thins I love:

- That I can go in and edit budgets as needed.

- That the process is very simple to implement and for our cardholders to use.

- The website is pretty simple to navigate.

- That it has the option of adding a buffer for overspend. Review collected by and hosted on G2.com.

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

- The phone app is not as convenient to use as the website, especially for admins.

- I wish there were more options to set up your monthly statements. I know I can go to transactions and run filters or I can edit the Excel file, but it would be great to just get to customize your statement and save it in your settings.

- Our statement comes in on the 15th and payment is due 4 days later by the 19th. I'm a volunteer and usually only have the weekends to review church finances. I wish there was a full week available to pay your balance.

- I wish there was customer support on the weekends.

- That the budgets reset at the beginning of the month, but our credit resets at the middle of the month. Review collected by and hosted on G2.com.

Response from Jenn J of BILL Spend & Expense (Formerly Divvy)

edit

Sam, thank you for your valuable feedback on BILL Spend & Expense! We’re excited to hear that you appreciate the flexibility to adjust budgets as needed, that our software was easy to set up, and that your cardholders find it user-friendly. It’s great to know that our website is straightforward to navigate and that you can include a buffer for overspending. We apologize for any frustration you have experienced with our app, as well as your payment timing, and with budgets resetting at the beginning of each month, but credit resetting in the middle of the month. We appreciate your idea of being able to customize your monthly statement and will let our team know. Regarding the timing of your monthly statement in relation to the payment due date, statements are made available by the close of business on the first day of each month. You may view or download these statements directly from your account. Additionally, you have the option to modify your billing cycle to a weekly, semi-monthly, or monthly schedule, should this be more convenient. Our support services are available from Monday to Friday, 5:00 am to 6:00 pm PDT, and on Saturday and Sunday, from 6:00 am to 3:00 pm PDT. We value your feedback and are always striving to improve our service. Please don't hesitate to contact us if you have any further suggestions.

Scott C.

Executive Paster

Small-Business (50 or fewer emp.)

5/17/2025

"very helpful for employees"

4/5

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

Most helpful is the easy way employees can enter their own charged and reimbursements expenses into Bill Spend and Expense. I then only have to review one screen to see all their activity. Review collected by and hosted on G2.com.

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

The smartphone app is a bit complicated or a bit non-intuitive. It is harder than it should be to tell what field you are in, what is required, and what is complete.

Also, when one enters all the required fields in and the transaction is complete, I would rather have a button to save or complete the transaction information than to have to use the back button. And if the app could indicate a transaction is complete with something other than a banner--like a change to the background or app frame, that would be very intuitive: red frame when not complete, green when complete, for instance. Review collected by and hosted on G2.com.

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

Greatly reduced time I spend reimbursing employees for regular expenses, for mileage, and frees them up to pay for many things that are small but billed--web purchases from suppliers. We write fewer checks and spend much less time to complete transactions that employees initiate. Review collected by and hosted on G2.com.

Response from Jenn J of BILL Spend & Expense (Formerly Divvy)

edit

Thank you for your beneficial feedback on BILL Spend & Expense, Scott! We are delighted that your employees can easily enter their own charges and reimbursement expenses, allowing you to review only one screen for all of their activity. We apologize for any frustration you have experienced with our app, specifically regarding its complexity and lack of intuitiveness. We appreciate your suggestions to add a save button after entering transaction information and to change the background or app frame to indicate when a task is completed. We have passed that on to our product team. Please continue to provide your feedback. We value our users' suggestions when planning the future of our software.