Bill Spend & Expense review (2026): features, pros and cons, pricing
Divvy rebranded as BILL Spend & Expense: free-per-user card and expense software from Bill, earning on card interchange.
Rebranded: Divvy is now BILL Spend & Expense (formerly Divvy), services by Divvy Pay LLC.
Verdict at a glance
Divvy has been rebranded as BILL Spend & Expense and offers card and expense software with no per-user fee. It provides budgets, approval workflows, AI receipt matching and accounting sync with NetSuite, Sage Intacct, QuickBooks and Xero.
What is Bill Spend & Expense?
Divvy rebranded as BILL Spend & Expense: free-per-user card and expense software from Bill, earning on card interchange. It is built for SMBs wanting no software fees and a charge card and existing BILL AP/AR customers.
Category: Expense Management Software
Bill Spend & Expense key features
| Feature | What we found |
|---|---|
| Receipt capture and OCR | AI auto-categorization and receipt matching. |
| Approval workflows and policy controls | Budgets, approval workflows, spend controls. |
| Corporate cards | Physical and virtual BILL Divvy cards, bank-partner issued. |
| Accounting integrations | NetSuite, Sage Intacct, QuickBooks, Dynamics, Xero. |
| Reimbursements and payments | Reimbursements and payments, rewards. |
| Travel and mileage tracking | Travel platform in development per page. |
Bill Spend & Expense pricing
Bill Spend & Expense has one public plan, called Spend & Expense, at $0 per user per month. It includes cards, budgets, expenses, the mobile app and the API. Because there is no seat fee, adding people does not raise the software bill: the published example of 20 users is 20 x $0 = $0 in software fees. Costs show up elsewhere. Some payments in BILL pay flows carry fees, such as 2.9% on card payments, $0.59 on ACH and $1.99 on checks. Billing terms, renewal terms and annual discounts are not published.
| Plan | Price | Unit | Notes |
|---|---|---|---|
| Spend & Expense | $0 | per user per month | cards, budgets, expenses, mobile app, API; credit lines $1,000 to $5M subject to approval |
Fees apply for some payments (e.g. 2.9% card payments, $0.59 ACH, $1.99 check) in BILL pay flows.
Who Bill Spend & Expense is best for
Best for
- SMBs wanting no software fees and a charge card.
- Existing BILL AP/AR customers.
Not ideal for
- Teams that do not want a card or credit line.
- Buyers needing confirmed SSO.
Bill Spend & Expense alternatives
RampCompanies that want cards, expenses and AP in one tool and are fine adopting its card.
RipplingCompanies already running payroll and HR on Rippling that want app access tied to employee records.
BrexStartups and mid-size companies that want cards plus expenses on one platform.
EmburseMid-size to large finance teams wanting audited vendor security.
ExpensifyExpensify is a receipt-scanning expense reporting app for small teams, sold per member.
Fyle (Sage Expense Management)Teams of 5 or more that already use Sage, QuickBooks or Xero and want card-feed reconciliation.
What Bill Spend & Expense really costs
- Per seat per month
- $0.
- 20 users per year
- 20 x $0 = $0 software fees.
Questions to ask about price
- Is there a minimum number of seats or a minimum annual spend?
- What is the discount for annual billing, and can we start monthly?
- Which features we need sit in add-ons or a higher plan, and what do they cost?
- How much can the price rise at renewal, and is the increase capped in the contract?
- Are there one-time costs for implementation, onboarding or data migration?
Is Bill Spend & Expense worth the price?
This is strong value for small and mid-sized businesses that want a charge card and no software fees, and for existing BILL AP and AR customers who can keep spend in one place. It is a poor fit for teams that do not want a card or credit line, since the free model depends on card usage and credit approval. Check the payment fees if you plan to pay bills through BILL rather than only spend on the cards.
Worth it if
- SMBs wanting no software fees and a charge card.
- Existing BILL AP/AR customers.
Look elsewhere if
- Teams that do not want a card or credit line.
- Buyers needing confirmed SSO.
Pricing details most reviews leave out
- Rebranded from Divvy to BILL Spend & Expense.
- $0 per user but tied to card usage and credit approval.
- Spend & Expense Partner plan is free for accountants and their clients.
- SSO is listed only for AP & AR Corporate/Enterprise; Spend & Expense unconfirmed.
Our verdict on Bill Spend & Expense
Divvy has been rebranded as BILL Spend & Expense, and it is the same card and expense product now sold under the BILL name. The headline is hard to beat on paper: the software costs $0 per user per month, with budgets, expense tracking, a mobile app and an API included. It is a card-based product, so the price you actually feel depends on how you use it.
The catch is that the price is really paid through the card. Credit lines run from $1,000 to $5M subject to approval, and the vendor earns on card interchange. If your team will not use the card and credit line, the free software loses most of its point. Fees also apply for some payments made through BILL pay flows.
Bill Spend & Expense FAQ
What is Bill Spend & Expense used for?
Divvy has been rebranded as BILL Spend & Expense and offers card and expense software with no per-user fee. It provides budgets, approval workflows, AI receipt matching and accounting sync with NetSuite, Sage Intacct, QuickBooks and Xero. It suits SMBs wanting no software fees and a charge card.
Does Bill Spend & Expense have a free plan?
Yes. The Spend & Expense plan is listed at $0 per user per month and includes cards, budgets, expenses, a mobile app and an API. There is no separate free trial listed.
How much does it cost for 20 users?
The software fee for 20 users is 20 x $0 = $0. Fees can still apply to some payments in BILL pay flows, such as 2.9% for card payments, $0.59 for ACH and $1.99 for checks.
Is Bill Spend & Expense really free?
The software has no per-user fee, but it is tied to card usage and credit approval, because the vendor earns on card interchange. A Spend & Expense Partner plan is also free for accountants and their clients.
Sources
Every fact on this page comes from Bill Spend & Expense's own pricing, product or documentation pages, G2 and company records, checked on October 24, 2026. Unknown values are left out instead of estimated.