--- description: Discover the benefits and disadvantages of BILL Spend & Expense. Learn the software price, see the description, and read the most helpful reviews for UK business users. image: https://gdm-localsites-assets-gfprod.imgix.net/images/capterra/og_logo-e5a8c001ed0bd1bb922639230fcea71a.png?auto=format%2Cenhance%2Ccompress title: BILL Spend & Expense Pricing, Cost & Reviews - Capterra UK 2026 --- Breadcrumb: [Home](/) > [Expense Report Software](/directory/30559/expense-report/software) > [BILL Spend & Expense](/software/166905/divvy) # BILL Spend & Expense Canonical: https://www.capterra.co.uk/software/166905/divvy Page: 1 / 19\ Next: [Next page](https://www.capterra.co.uk/software/166905/divvy?page=2) > BILL Spend \& Expense (formerly Divvy) is the all-in-one expense management solution. > > Verdict: Rated **4.7/5** by 439 users. Top-rated for **Likelihood to recommend**. ----- ## Overview ### Who Uses BILL Spend & Expense? Any company that struggles with expense reports, reimbursements, receipts, expensive annual software contracts and other finance headaches. ## Quick Stats & Ratings | Metric | Rating | Detail | | **Overall** | **4.7/5** | 439 Reviews | | Ease of Use | 4.6/5 | Based on overall reviews | | Customer Support | 4.6/5 | Based on overall reviews | | Value for Money | 4.7/5 | Based on overall reviews | | Features | 4.5/5 | Based on overall reviews | | Recommendation percentage | 90% | (9/10 Likelihood to recommend) | ## About the vendor - **Company**: BILL - **Location**: Palo Alto, CA 94303, US - **Founded**: 2006 ## Commercial Context - **Starting Price**: US$0.00 - **Pricing model**: Per User (Free version available) (Free Trial) - **Pricing Details**: Access credit lines from $1,000-$5M. Easily request funds, set budgets, and track spend using free software combined with corporate cards. - **Target Audience**: Self Employed, 2–10, 11–50, 51–200, 201–500, 501–1,000, 1,001–5,000, 5,001–10,000, 10,000+ - **Deployment & Platforms**: Cloud, SaaS, Web-based, Mac (Desktop), Windows (Desktop), Android (Mobile), iPhone (Mobile), iPad (Mobile) - **Supported Languages**: English - **Available Countries**: United States ## Features - Approval Process Control - Approval Workflow - Audit Trail - Booking Management - Budgeting/Forecasting - Cash Management - Categorisation/Grouping - Client Management - Compliance Management - Consolidation/Roll-Up - Contact Database - Corporate Card - Dashboard - Data Import/Export - Document Management - Expense Tracking - Financial Analysis - General Ledger - Income & Balance Sheet - Mobile App - Mobile Payments - Mobile Receipt Upload - Multi-Currency - Online Booking - Payment Processing - Policy Management - Profit/Loss Statement - Project Tracking - Receipt Management - Reimbursement Management - Reminders - Reporting & Statistics - Reporting/Analytics - Restriction Management - Spend Analysis - Spend Control - Task Management - Third-Party Integrations - Time & Expense Tracking - Workflow Management ## Integrations (11 total) - Dynamics 365 Business Central - Gmail - HRIS - Lyft Business - NetSuite - QuickBooks Enterprise - QuickBooks Online - QuickBooks Online Advanced - Sage Intacct - Slack - Xero ## Support Options - Email/Help Desk - FAQs/Forum - Knowledge Base - Phone Support - 24/7 (Live rep) - Chat ## Category - [Expense Report Software](https://www.capterra.co.uk/directory/30559/expense-report/software) ## Related Categories - [Expense Report Software](https://www.capterra.co.uk/directory/30559/expense-report/software) - [Billing and Invoicing Software](https://www.capterra.co.uk/directory/30015/billing-and-invoicing/software) - [Travel Management Software](https://www.capterra.co.uk/directory/31057/travel-management/software) - [Financial Reporting Software](https://www.capterra.co.uk/directory/30050/financial-reporting/software) - [Time and Expense Software](https://www.capterra.co.uk/directory/30080/time-and-expense/software) ## Alternatives 1. [NetSuite](https://www.capterra.co.uk/software/135757/netsuite) — 4.2/5 (2059 reviews) 2. [QuickBooks Online](https://www.capterra.co.uk/software/141374/quickbooks-online) — 4.3/5 (8503 reviews) 3. [PayPal](https://www.capterra.co.uk/software/179251/paypal) — 4.6/5 (26572 reviews) 4. [Abby](https://www.capterra.co.uk/software/1036470/abby) — 4.7/5 (604 reviews) 5. [Xero](https://www.capterra.co.uk/software/169561/xero) — 4.4/5 (3316 reviews) ## Reviews ### "Use bill for your employees" — 5.0/5 > **Leah** | *3 July 2025* | Information Technology & Services | Recommendation rating: 10.0/10 > > **Pros**: It was a quick and easy process to start up. My job can load money and I can use the card the same day. > > **Cons**: I do not have anything bad or negative to say about the setup or use of the app and or card. Nothing I liked least. > > Overall it is an easy and quick way for my company to send money to me to complete my work. I would recommend for other companies to use bill. ----- ### "Divvy is great" — 1.0/5 > **Verified Reviewer** | *16 September 2025* | Accounting | Recommendation rating: 0.0/10 > > **Pros**: BILL Spend \& Expense, formerly Divvy, has a fantastic interface on both mobile and online app. If you have not had a receipt management/credit card management service for your team, this really DOES improve your life. The best part is that you can empower credit card users to handle their own receipts and transactions. Uploading and managing receipts is easy; issuing cards and creating "virtual cards" are all wonderful. This is my first spend management software experience, and whether Divvy is advanced or standard, it really has improved the workflow for expense and receipt management. Wahoo\! > > **Cons**: Oh boy. Stay away, stay far far away if you plan to use this with BILL's AR/AP side (Payables and Receivables). You will not have a dedicated account rep, which should be standard for corporate and industry clients. Someone on your team will be spending a lot of time navigating why something isn't working, only for a tier 2 rep or a manager to tell you to restart your computer and clear your cache. This was the suggested solution for-- you will not believe this -- our account was set up incorrectly and we were paying double in subscription fees. There was no way for us as an end user to seethis, and none of the support people were able to see this because -- the BILL Spend \& Expense side cannot see the BILL Payables \& Receivables side. I'm so baffled that this has been our experience, and really caution anyone considering choosing BILL. > > BILL as a whole is hostile architecture as an accounting/business "solution." It's such a shame because Divvy is actually a great product\! ----- ### "Bill Payments" — 5.0/5 > **Krystel** | *8 May 2026* | Education Management | Recommendation rating: 10.0/10 > > **Pros**: That I can upload and invoice and track if I get reimbursed for teaching expenses. I like that I can also do it from my phone or computer. > > **Cons**: I don't like that I have to enter the tax for items. Would be nice if you could enter your city and state and it would automatically calculate sales tax on items. > > Overall, I have had a good experience. I love the phone app and the ability to upload receipts and see when I get paid. ----- ### "Terrible protection, abysmal service, avoid at all costs." — 1.0/5 > **Russell** | *6 December 2024* | Mechanical or Industrial Engineering | Recommendation rating: 0.0/10 > > **Pros**: Bill's software is fine. It can be confusing when switching between all the sites, but overall it does what you would expect. One exception: their fraud protection algorithm is worse than your average credit union’s. So you should only use Bill if you are sure you will never lose a credit card, never have one stolen, or never use your cards. ;) > > **Cons**: Bill's customer service is simply an abomination. They are impossible to contact, rude when you finally do, and literally illegal when they act. On top of this, the software is just not actually that great. We often hit hiccups with budgets not refilling, cards not working, frozen cards that cannot be unfrozen, and so on and so on. Their fraud protection is also abysmal. Your cards will basically never be shut off even if they are maxed out on repeat purchases at the apple store. Whereas any other card service would put a hold on the card and reach out to you for verification, Bill just lets it ride. Given that a typical company might have many cards in many places at once, this is particularly problematic. Overall, please avoid their services. > > Our overall experience with Bill was defined by one event which was handled so poorly and illegally that we feel like every potential customer should know. An employee’s locked car was broken into, and their credit cards were stolen. The thief took them and spent $1000 on the employee’s personal credit card before it was frozen but spent $36,000 on the company card without it ever being frozen. It was not until we called Bill that they even had any idea there was suspicious activity on the account despite the thief making repeat purchases at the apple store, expensive clothing stores, etc. that our company has zero history making purchases at. When the fraud claim was filed it was erroneously noted that the stolen card was still in the possession of the employee. While we attempted to correct this, Bill rejected the fraud claim and refused to appeal their decision. After months and months of talking with what must be everybody at the entire company, it is clear Bill has no intention of standing by their fraud policy and is looking for any trivial clerical error to reject the claim. Meanwhile, the employee’s tiny credit union, that apparently has a much better fraud protection algorithm than a $10B tech startup, refunded them the $1000 thirty minutes after they called to tell him he had suspicious activity on his account. This experience has been extremely damaging to our small business, but it would cost of more than the value of the loss to bring a lawsuit. Please avoid Bill as a service. ----- ### "Hidden Traps and Zero Warning A Financial Disaster for Small Businesses" — 1.0/5 > **Mark** | *16 May 2025* | Security & Investigations | Recommendation rating: 0.0/10 > > **Pros**: Honestly, very little. Initially, the idea of having a line of credit with built-in expense tracking seemed promising. But any potential benefits were completely overshadowed by poor communication, lack of transparency, and practices that put small businesses at serious financial risk. > > **Cons**: Their billing cycle is confusing and poorly communicated. I borrowed $13,000 to cover payroll, and just days later, they pulled the entire amount back from my business account without warning, sending my balance deep into the negative. There was no notice, no option to schedule repayment, and no transparency. This kind of unpredictable behavior is dangerous for any small business relying on stable cash flow. It felt predatory and completely negligent. > > My experience with BILL Spend \& Expense was disastrous. I was approved for a $24,000 line of credit and drew $13,000 to cover payroll, only to have the entire amount yanked from my bank account within days without any clear billing schedule or warning. This left my account severely overdrawn and put my business at serious financial risk. Their lack of communication, transparency, and consideration for how small businesses operate is unacceptable. I would never recommend this platform to any business owner who values stability, trust, and responsible financial practices. ----- Page: 1 / 19\ Next: [Next page](https://www.capterra.co.uk/software/166905/divvy?page=2) ## Links - [View on Capterra](https://www.capterra.co.uk/software/166905/divvy) ## This page is available in the following languages | Locale | URL | | de | | | de-AT | | | de-CH | | | en | | | en-AE | | | en-AU | | | en-CA | | | en-GB | | | en-IE | | | en-IL | | | en-IN | | | en-NZ | | | en-SG | | | en-ZA | | | es | | | es-AR | | | es-CL | | | es-CO | | | es-CR | | | es-DO | | | es-EC | | | es-MX | | | es-PA | | | es-PE | | | fr | | | fr-BE | | | fr-CA | | | fr-LU | | | it | | | nl | | | nl-BE | | | pt | | | pt-PT | | ----- ## Structured Data