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Divvy

Divvy

Card first. Software second. Expense reports, never.

#3 in Expense Management
2 min read · Updated Oct 3, 2025
Divvy homepage screenshot

At a glance

Quick overview for Divvy: rating, pricing summary, key features, and highlights.

Ciroapp review

2.3
Great Features, Crippling Support Issues.

We find that BILL Spend & Expense provides a powerful and free expense management platform with excellent features like real-time control and accounting integration. However, external reliability reports surrounding poor customer support, massive payment delays, and unexpected account closures are major concerns we see repeatedly mentioned by users. Overall, we cannot recommend this platform for essential business operations until substantial improvements are made to operational reliability and customer service responsiveness.

Pros

  • Pros:Expense management software is offered completely free of charge.
  • Pros:Provides real-time spend visibility and customizable budget controls.
  • Pros:Users can issue unlimited virtual and physical cards easily.

Cons

  • Cons:Critically poor or non-existent customer support and responsiveness.
  • Cons:Frequent reports of delayed payments and intentional holding of funds (4+ business days for ACH).
  • Cons:Difficult and confusing setup and onboarding processes.
Range: FreeFree plan
This section is a summary. Detailed sections about features, use cases, pricing, and reviews follow below.
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Divvy review, pricing, features, pros & cons

Are you tired of time-consuming expense reports and confusing budget tracking? Many businesses struggle to manage company spending efficiently. BILL Spend & Expense offers a clear solution. ✨

It combines a powerful corporate card with management software to streamline processes, saving you time and giving you real-time visibility over your finances.

What is Divvy?

BILL Spend & Expense (formerly Divvy) is an all-in-one expense management platform built for modern businesses. ✅ It blends free, world-class software with access to the BILL Divvy Card. This unique combination helps small or midsize companies achieve greater control.

It focuses on transforming spend and expense management by emphasizing control, simplicity, and savings. The ultimate goal is to eliminate manual expense reports entirely.

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Comparison
BILL vs Divvy

See feature, pricing, pros, and cons differences with BILL.

Comparison
Divvy vs Navan

See feature, pricing, pros, and cons differences with Navan.

Divvy Key Features

✨ Real-Time Spend Control and Budget Management

Control is central to managing company spending effectively. BILL Spend & Expense gives you immediate, real-time visibility over every transaction. This unique capability ensures you always know exactly where your funds are being utilized.

You can set robust, customizable spending controls and clear policies built directly into the system. This actively helps your teams spend smarter and always stick to approved budgets. Ultimately, you gain peace of mind knowing exactly when and where your money is going instantly.

✅ Goodbye to Manual Expense Reports Streamlining

This platform completely transforms your expense management process. It is designed to streamline transactions and eliminate the traditional burden of manual expense reports entirely. This saves significant administrative time for both finance teams and employees.

By leveraging the integrated software, operations are simplified from the moment a purchase is made. Users report saving around 12 hours every month just on these reporting tasks. This frees up staff time, allowing them to focus on more strategic and valuable work.

✨ Secure Card Solutions: Physical and Virtual

Protecting your business finances from risk is a top priority. BILL Spend & Expense provides all the physical and virtual cards your team needs without arbitrary limits or fees. You can instantly generate secure BILL Divvy Card virtual cards for online purchases or specific projects.

These virtual cards automatically shield your business from potential fraud and stop accidental overspending before it occurs. This flexibility means you can issue a card immediately to anyone who needs it, wherever they are spending.

✨ Built-in Reimbursement Tracking

Tracking out-of-pocket spending often causes frustration and complexity for employees and accountants alike. BILL Spend & Expense solves this problem by completely centralizing the process. The platform allows you to track all individual employee expenses in one clear location.

Managing and fulfilling reimbursements becomes quick and straightforward for everyone involved. This feature ensures that employees are paid back quickly while maintaining comprehensive oversight for your finance team.

✨ Always Accessible Mobile Experience

Keep control and flexibility whether your team is in the office or spending on the road. The highly-rated, full-featured mobile app handles all your management needs from anywhere. It empowers team members to spend smarter while they are actively on the go.

Users can easily complete transactions and manage related spend details in real-time, right from their phones. Having this powerful tool available for all users helps drive compliance across the entire organization.

💡 Seamless Accounting Integration

Your spend management solution should work harmoniously with your existing financial tools. BILL Spend & Expense integrates smoothly with popular accounting software packages. This streamlines your month-end closing process significantly while maintaining accurate data flow. These real integrations help move your books from weeks to days.

Key integrations include:

  • Intuit QuickBooks
  • Oracle NetSuite
  • Sage Intacct

✨ Maximize Value with Flexible Rewards

Make sure your necessary company spending works harder for your business bottom line. The platform offers generous rewards programs designed to put valuable funds back into your budget. You can take advantage of flexible redemption opportunities on every reward you earn.

These valuable benefit options include travel perks, statement credit, and cash back. This reward system generates significant financial impact for users, translating into meaningful savings yearly.

Use Cases

⏰ Ending the Monthly Expense Report Grind

Many businesses waste countless hours every month chasing down receipts and reconciling individual purchases. BILL Spend & Expense fundamentally changes this tedious process. Since the spending software works seamlessly with the BILL Divvy Card, transactions are captured and categorized instantly.

Finance teams see transaction data in real time, long before the month-end close ever begins. This real-time reporting eliminates the need for employees to manually create expense reports. Customers report saving an average of 12 hours every month just by ending this painful cycle.

✅ Keeping Department Spending On Track

Your managers need autonomy to get their jobs done, but unchecked spending risks budget overruns. BILL Spend & Expense offers robust, customizable controls to give your team independence without losing peace of mind.

You can set policies and specific budgets right within the software before the money is spent. This approach ensures all purchasing aligns instantly with company policy. This capability is built specifically to help teams spend smarter and stick closely to their assigned budgets.

💳 Protecting Your Finances Online

When signing up for new software trials or vendor services, using a primary corporate card can expose you to risk. The platform helps protect your business from potential fraud and overspending.

Use the free software to issue unlimited virtual cards specific to vendors or projects. These virtual cards limit exposure and allow you to instantly restrict access if a subscription service is compromised. This ensures stronger financial security across all your digital spending.

📈 Accelerating Financial Closes

Finance professionals often spend weeks sorting through transactions and reconciling accounts payable at month end. BILL Spend & Expense provides integrated spend management that speeds up this process considerably.

Because the platform integrates smoothly with popular accounting systems like QuickBooks, Oracle NetSuite, and Sage Intacct, data flows instantly. Users report closing their month end books in days instead of weeks, turning a substantial bottleneck into a manageable activity.

💵 Streamlining Out-of-Pocket Reimbursements

Sometimes, an employee must use personal funds for small, necessary business expenses. Managing these one-off costs and submitting paperwork for repayment can be cumbersome for both the employee and the accounting team.

BILL Spend & Expense manages all reimbursement tracking within the same comprehensive platform. This allows employees to easily submit out-of-pocket expenses for quick review, placing all your spending data in one central location for simplified tracking and management.

🎁 Turning Spend into Savings

Your business spending should work harder for you. The platform lets you take advantage of valuable rewards on your corporate card use. This effectively puts money back into your pocket.

Rewards programs are flexible and allow you to choose how you redeem your earnings. Redemption options include cash back, statement credits, travel perks, or gift cards. One customer noted capitalizing on rewards to cover nearly $10,000 worth of travel costs recently.

Pricing Overview for Divvy

Pricing range
Free
Pricing types
Free plan

BILL Spend & Expense (formerly Divvy) offers its world-class spend management software free of charge. There are no hidden fees or contracts required for the software itself; pricing is structured around access to the BILL Divvy Card.

Plans & Pricing

Spend & Expense Software

MonthlyFree
YearlyFree
  • Free software, combined with access to the BILL Divvy Card
  • No hidden fees or contracts
  • As many physical and virtual cards as you need
  • Highly-rated, full-featured mobile app
  • Real-time visibility and customizable control over spend
  • Reimbursement tracking in one place
  • Offers rewards programs (Cash back, Travel, Statement credit, Gift cards)
Request a demo to get started
Pricing Screenshot
Pricing

Divvy (BILL Spend & Expense) costs Free per month with one primary offering: Spend & Expense Software at Free.

The powerful software platform is offered at no charge, letting you focus on managing your business finances efficiently. Here is a breakdown of the single, comprehensive software offering.

Spend & Expense Software

Price: Free Websites Supported: Not explicitly stated Best For: Businesses seeking robust, integrated spend management and corporate credit. Refund Policy: Not explicitly stated Other Features:

  • No hidden fees or contracts.
  • Unlimited physical and virtual cards.
  • Highly-rated, full-featured mobile app for all users.
  • Support for reimbursements and expense tracking.
  • Integrates with QuickBooks, NetSuite, and Sage Intacct.

This platform combines free expense management tools with access to the BILL Divvy Card². It eliminates traditional expense reports, helping you save time every month. This single offering is ideal if your company needs an integrated tool for real-time visibility and customizable budget control built around a corporate credit solution. 💳

The spend management software provided by BILL is explicitly free, meaning there is no financial barrier to entry. Since the core product is free, there is no mention of a traditional free trial or money-back guarantee. You can start by requesting a demo to understand how the associated credit line functions alongside the software.

User Reviews

The core offering of free expense software with integrated controls is attractive, yet user feedback delivers an extremely negative view of the service execution. Users report significant issues with customer support, frequently citing staff as non-responsive, difficult to reach, and lacking visibility across cases.

This critical operational failure contributes to major frustrations regarding reliability, especially around payment processing. Recurring themes include funds being held or delayed, often taking four or more business days for ACH/ePayments to clear.

While the convenience of digital cards is sometimes noted, the difficult and confusing onboarding process, coupled with reports of sudden account blocking or closure, severely erodes user trust. The company’s operational standards and support structure must improve dramatically to align with its powerful feature set.

👎

What users say elsewhere

Sarah M.
Trustpilot

This is the worst customer service experience I have ever had in my life. I spent over six hours this week on hold talking to clueless people who have no visibility into other support calls.

Alex H.
Trustpilot

BILL Spend & Expense is the most useless ‘business card’ provider I’ve dealt with. They shut down my entire account over a small $10 test transaction, which seemed ridiculous.

David P.
Trustpilot

Bill.com will hold the funds to earn interest, claiming that they are batching money. It takes four business days to process an e-payment, which is inefficient and seems intentionally slow.

Jordan L.
Trustpilot

The Divvy concept is really great, but getting started and set up was confusing. I had to watch and re-read several videos to understand the basic configuration needed.

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Why use Divvy?

Why choose BILL Spend & Expense? It fundamentally changes how your team manages business spending. The integration means you get a comprehensive view of funds right when transactions happen.

This system transforms operations in several vital ways:

  • Maximize Time Savings: Forget month-end closes that take weeks. Users report saving an average of 12 hours every month on expense reporting tasks.
  • Achieve Budget Control: You get powerful, customizable spend controls and policies built right into the system, helping your teams spend smarter and stick closely to budgets.
  • Get Free Access to Tools: The expense management software is free, with no hidden fees or contracts. This includes the highly-rated, full-featured mobile app for all users.
  • Financial Security: Protect your business from overspending and potential fraud by using BILL Divvy Card virtual cards.
  • Earn Valuable Rewards: You can redeem rewards like cash back, statement credit, travel perks, or gift cards, putting essential money back into your pocket.
  • Real Integration: The platform works seamlessly with existing tools. BILL Spend & Expense integrates smoothly with popular accounting software like Intuit QuickBooks, Oracle NetSuite, and Sage Intacct. 💡

Users who switch see meaningful financial impact. Data shows users seeing an average monthly savings of $10,630. If you need simplicity, control, and significant time savings, choosing BILL Spend & Expense makes good sense. See what this world-class platform can do for your business.

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Frequently Asked Questions

Which popular accounting systems integrate with BILL Spend & Expense?

The platform officially provides seamless integration capabilities with major accounting software. These currently include Intuit QuickBooks, Oracle NetSuite, and Sage Intacct.

If the software is free, are there any associated contracts or hidden fees for the platform?

The world-class spend management software is completely free of charge. The official site explicitly states there are no hidden fees or contracts required for using the software.

Are there limits on the number of physical or virtual cards we are allowed to issue?

No, the platform allows you to issue unlimited physical and virtual cards. This flexibility enables easy control over department budgets and individual employee spending.

Is the advertised credit line range guaranteed when I apply for the BILL Divvy Card?

No, the credit lines and the advertised range are not guaranteed. Your specific credit limit will be determined after your application underwriting process is successfully completed.

Is there a traditional free trial period or money-back guarantee for the service?

Since the core expense management software is offered at no charge, there is no mention of a traditional free trial. There is also no explicit information regarding a money-back guarantee.

Does the pricing model charge based on the number of seats or users?

No, the expense management software features are offered completely free regardless of user count. This includes the highly-rated, full-featured mobile app for all team members.

Which types of businesses does BILL Spend & Expense target?

The solution is primarily focused on transforming spend and expense management for small or midsize companies. It is designed for businesses needing integrated control and corporate credit.

How does BILL Spend & Expense help protect my business from security risks and fraud?

You can protect your company finances and control potential risks by using BILL Divvy Card virtual cards. This feature helps prevent unauthorized spending or large-scale fraud.

How do I start the onboarding or migration process to the platform?

The official site directs all interested users to request a demo to get started. This process initiates the evaluation of your business needs alongside the corporate credit application.

What types of rewards can businesses earn by using the BILL Divvy Card?

Businesses can earn rewards through various flexible redemption offerings. These options include cash back, statement credit, travel perks, or gift cards.

What is the refund or cancellation policy for the associated credit services?

The refund or cancellation policy related to the BILL Divvy Card or associated financial services is not explicitly stated on the official site.

Is the BILL Divvy Card considered a deposit account product?

No, the official site specifically notes that the BILL Divvy Card is not a deposit product. It is a credit product issued by one of their bank partners.

Does BILL offer Service Level Agreements (SLAs) for customer support response times?

Specific organizational measures like guaranteed support response times or formal SLAs are not explicitly stated on the official site.

Is BILL Spend & Expense available internationally or only in specific regions?

The geographic availability of the software or supported regions are not explicitly stated on the official site. You should verify regional support before completing the demo request.

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