The product is now branded BILL Spend & Expense rather than Divvy.
Buyers researching the legacy name should verify that current pricing, support, and documentation refer to the same BILL product.
Evidence source ↗
Divvy
Divvy is now marketed as BILL Spend & Expense. It combines company cards, budgets, expense tracking, reimbursements, and accounting integrations.
5 key claims verifiedOur editorial team checked this profile against vendor documentation, pricing information, product documentation. Supported by 5 documented sources.
Editorial overview
Aggregated Overview
The assessment reflects published card, budget, receipt, reimbursement, integration, and API capabilities, the $0 software price, and limited public G2 review evidence. It is not based on hands-on testing.
This profile combines documented product information and independent evidence where available. It is not a hands-on test unless TechZella explicitly identifies one.
Divvy Decision Snapshot
A quick way to understand who this product may suit, where its limits matter, and which facts are most relevant before you compare alternatives.
Best suited to
Small and mid-sized businesses seeking company cards, budget controls, expense capture, and accounting-system synchronization without a per-user software subscription.
Look elsewhere if
Organizations that need a standalone expense-reporting tool without adopting the BILL card and spend-management workflow should compare reimbursement-focused products, and should evaluate alternatives such as Ramp or Expensify instead.
Platforms
Android, API, Cloud, iOS, Web
TechZella assessment
8.0/10
Divvy — What Sets It Apart?
These are the product-specific differences that may matter when deciding whether the software fits your workflow. They are based on documented evidence rather than a universal ranking.
- Combines company cards with budgets and expense management in one system.
- BILL offers a Spend & Expense API for budgets, users, cards, transactions, and reimbursements.
- The vendor lists Spend & Expense software at $0 per user per month.
Divvy Pros & Cons
Pros
- BILL lists the software at $0 per user per month.
- Company cards, budgets, and expense workflows are combined in one product.
- BILL documents accounting-system integrations and a Spend & Expense API.
Cons
- The Divvy name is legacy branding; current information appears under BILL Spend & Expense.
- Credit lines are subject to approval and are not guaranteed.
- Some public G2 reviewers describe card-acceptance or workflow problems, though the visible comments do not show how widespread they are.
Divvy Gotchas & Operational Limits
These are documented constraints or practical friction points that may matter before you adopt the product.
BILL's advertised credit-line range is subject to application approval and is not guaranteed.
The free software price does not guarantee access to a particular credit line.
Evidence source ↗Spend & Expense API access uses its own API token and has a documented rate limit of 60 calls per token per minute.
Developers should check token setup and rate limits before designing automated or high-volume integrations.
Evidence source ↗Divvy Pricing & Plans
BILL Spend & Expense
$0
user/month
BILL lists the software at $0 per user per month. Credit lines require application approval and are not guaranteed.
Check current pricing →Pricing may change. Verify current plans on the vendor's website.
Quick Comparison
Compare the product with documented alternatives across the factors that can change a buying decision. Each row is evidence-backed rather than a generic feature checklist.
Divvy vs. Ramp
Documented comparison| Decision factor | Divvy | Ramp |
|---|---|---|
| Pricing model | BILL lists Spend & Expense at $0 per user per month. | Ramp lists a $0 per-user Free plan and a paid Plus plan. Source ↗ |
| Core scope | Company cards, budgets, expense tracking, and reimbursements. | Free plan includes cards, travel and expense, accounts payable, accounts receivable, and accounting automation. Source ↗ |
| Accounting integrations | BILL lists automatic Spend & Expense sync with QuickBooks, NetSuite, Xero, and Sage Intacct. | Ramp lists QuickBooks Online and Xero integrations on its Free plan. Source ↗ |
Divvy vs. Expensify
Documented comparison| Decision factor | Divvy | Expensify |
|---|---|---|
| Pricing model | BILL lists Spend & Expense at $0 per user per month. | Expensify lists a free Submit plan and a Collect plan at $5 per member per month. Source ↗ |
| Core scope | BILL combines company cards, budgets, and spend controls with expense management. | Expensify's listed plans emphasize receipt capture, expense reports, reimbursements, approvals, and card management on paid plans. Source ↗ |
| Accounting integrations | BILL lists automatic Spend & Expense sync with QuickBooks, NetSuite, Xero, and Sage Intacct. | Expensify lists QuickBooks Online and Xero on Collect, with additional accounting integrations on Control. Source ↗ |
Only factors supported by the available research are shown. The comparison is descriptive, not a ranking.
Divvy Competitors & Alternatives
Compare similar products directly, then see which alternatives may make more sense when your requirements differ.
At a glance
Financial Management Software| Decision factor | Divvy | Ramp | Expensify |
|---|---|---|---|
| Pricing model | BILL lists Spend & Expense at $0 per user per month. | Ramp lists a $0 per-user Free plan and a paid Plus plan. Source ↗ | Expensify lists a free Submit plan and a Collect plan at $5 per member per month. Source ↗ |
| Core scope | Company cards, budgets, expense tracking, and reimbursements. | Free plan includes cards, travel and expense, accounts payable, accounts receivable, and accounting automation. Source ↗ | Expensify's listed plans emphasize receipt capture, expense reports, reimbursements, approvals, and card management on paid plans. Source ↗ |
| Accounting integrations | BILL lists automatic Spend & Expense sync with QuickBooks, NetSuite, Xero, and Sage Intacct. | Ramp lists QuickBooks Online and Xero integrations on its Free plan. Source ↗ | Expensify lists QuickBooks Online and Xero on Collect, with additional accounting integrations on Control. Source ↗ |
Only factors supported by the available research are shown. The comparison is descriptive, not a ranking.
Direct competitors
These products address broadly similar requirements. The descriptions focus on documented reasons a buyer might compare them with Divvy.
ExpensifyDocumented difference - Pricing model: Expensify lists a free Submit plan and a Collect plan at $5 per member per month.
Overview
Divvy is the former brand name for BILL Spend & Expense. The product combines company cards, budgets, expense tracking, and reimbursements in a cloud platform.
BILL positions the system alongside existing accounting software. Its listed integrations sync spending and expense data with accounting platforms, while CSV exports provide a route for other systems.
Divvy Features
Spend controls
- Physical and virtual company cards
- Budgets
- Proactive spending controls
- Real-time transaction tracking
Expense management
- Expense tracking
- Receipt capture and matching
- Transaction coding
- Reimbursements
- Approvals
Integrations and development
- QuickBooks Online and Desktop sync
- Oracle NetSuite sync
- Xero sync
- Sage Intacct sync
- Spend & Expense API
Demo & Screenshots
Divvy Specifications
| Current product name | BILL Spend & Expense, formerly Divvy |
|---|---|
| Hosting | Cloud |
| Pricing | $0 per user per month |
| API | Spend & Expense API; 60 calls per token per minute |
| Accounting integrations | QuickBooks Online, QuickBooks Desktop, Oracle NetSuite, Xero, Sage Intacct |
| Data export | CSV export is listed for systems without automatic sync |
| Free trial | No limited trial period stated; BILL lists the software as free |
Deployment & System Footprint
Verified installation, hosting, administration, or environment details that can affect implementation.
| Installation or hosting | BILL presents Spend & Expense as a cloud software product with web and mobile access. Source ↗ |
|---|
Migration & Lock-In
Documented portability, standards, export, or switching considerations. No switching-cost score is shown unless the evidence supports one.
Data portability
BILL states that Spend & Expense data can be synced with listed accounting systems or exported using CSV for other systems.
Evidence source ↗Our evidence-based assessment
TechZella Score
A proprietary editorial score based on product capabilities, usability, value, performance, support and user sentiment evidence.
8.0/10Moderate confidence
The assessment reflects published card, budget, receipt, reimbursement, integration, and API capabilities, the $0 software price, and limited public G2 review evidence. It is not based on hands-on testing.
Methodology v1.0. The assessment weighs feature coverage (25%), ease of use (15%), value for money (20%), performance (15%), support (10%) and user sentiment (15%), using researched product evidence and verified review evidence where available. It is a TechZella editorial assessment, not a direct user-review average.
Editorial transparency
Our Review Methodology
Key claims are linked to the sources used to verify them. This evidence record is separate from third-party user ratings.
TechZella evaluates software using documented product capabilities, pricing information, usability and value considerations, independent user evidence where available, and competitive context. The assessment is an editorial review, not a hands-on test unless one is explicitly identified. Our editorial assessment is based on 5 documented sources.
What TechZella adds
- Combines company cards with budgets and expense management in one system.
- BILL offers a Spend & Expense API for budgets, users, cards, transactions, and reimbursements.
- The vendor lists Spend & Expense software at $0 per user per month.
Important limitations
- The current product name is BILL Spend & Expense, so searches and documentation under the Divvy name may point to older material.
- Public G2 reviews include reported card-acceptance and workflow issues, but the available comments do not establish how common they are.
Evidence-backed claimsDivvy is the former name of BILL Spend & Expense. BILL lists Spend & Expense at $0 per user per month. Spend & Expense syncs automatically with several accounting systems. BILL provides a Spend & Expense API for spend-management workflows. BILL was founded in 2006 and is headquartered in San Jose, California.
BILL's product page labels Spend & Expense as formerly Divvy.
View source ↗Verified 2026-10-18The pricing page states the software has no subscription or per-user software fee.
View source ↗Verified 2026-10-18BILL names QuickBooks Online, QuickBooks Desktop, Oracle NetSuite, Xero, and Sage Intacct.
View source ↗Verified 2026-10-18The API documentation describes budgets, users, vendor cards, transactions, and reimbursements.
View source ↗Verified 2026-10-18BILL's investor FAQ states the founding year and its contact page gives the San Jose headquarters address.
View source ↗Verified 2026-10-18FAQ
Is Divvy still available under that name? BILL currently presents the product as BILL Spend & Expense and identifies it as formerly Divvy.
How much does the software cost? BILL lists it at $0 per user per month.
Does it have an API? Yes. BILL documents a Spend & Expense API for budget, card, transaction, user, and reimbursement workflows.
Which accounting systems are listed? BILL names QuickBooks Online, QuickBooks Desktop, Oracle NetSuite, Xero, and Sage Intacct for automatic Spend & Expense sync.
Is there a free trial? BILL lists the software as free to use, rather than specifying a limited trial period.
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