Comparison

BILL Spend & Expense (Divvy) vs NCB Consumer

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

BILL Spend & Expense (Divvy)

Automate business expense management with corporate cards and intuitive software. Track spending in real-time, gain budget insights, and simplify reimbursements and accounting integrations.

Highlights
  • Automated expense tracking
  • Real-time budget insights
  • Physical and virtual corporate cards
  • Proactive spend controls
  • Customizable approval flows
  • Out-of-pocket expense management
  • Accounting software integration
Features
Read full description

BILL Spend & Expense, formerly Divvy, is a free automated expense management solution that combines corporate cards with easy-to-use software to provide a seamless experience for managing your business spending and expenses. Track company expenses and get real-time budget insight so you can proactively make smart spending decisions. AUTOMATE YOUR EXPENSES Purchases are instantly recorded in the app, reducing manual input and allowing for greater efficiency. GAIN REAL-TIME VISIBILITY Live expense reporting and insights enables you to keep track of your company's expenditures as they occur. PHYSICAL CORPORATE CARDS BILL Divvy Corporate Cards can be issued to all of your employees for easy in-person spending. VIRTUAL CARDS Create as many free virtual cards as you need, providing a safe and convenient alternative for employees to handle business expenses. STAY WITHIN BUDGET Put proactive spend controls in place to prevent unapproved purchases and ensure that all spending aligns with company policies. LET YOUR TEAM MANAGE APPROVALS Customize transaction approval flows according to your org chart to stay on top of spending. TRACK OUT-OF-POCKET EXPENSES Easily manage reimbursements for spend that happens on personal cards and still stay within budget. MAKE MONTH END A BREEZE Integrate your expenses with major accounting software such as QuickBooks, Xero, NetSuite, and Sage Intacct, and make it effortless to manage your finances and close your books in record time. Download the BILL Spend & Expense app to streamline your business expense management, save valuable time and resources, and gain real-time control over your expenses. If you're looking to manage accounts payable and accounts receivable on the go, please download the BILL AP & AR app. Disclosure: BILL AP/AR services are provided by Bill.com LLC; Spend & Expense services are provided by Divvy Pay LLC; BILL Divvy Corporate Card is issued by Cross River Bank, member FDIC.

About

NCB Consumer

Manage your finances on the go with this mobile banking application. Check account balances, transfer funds, pay bills, and deposit checks remotely. It also offers personal finance tools like budgeting and debt management.

Highlights
  • Check account balances
  • Transfer funds between accounts
  • Schedule bill payments
  • Deposit checks remotely
  • Budgeting tools
  • Account aggregation
  • Debt management
Features
Read full description

Start banking wherever you are with NCB Consumer for mobile banking! Available to all National Capital Bank of WA consumer online banking customers. NCB Consumer allows you to check balances, make transfers, pay bills, and make deposits. Available features include: Accounts Check your latest account balance and search recent transactions by date, amount, or check number. Bill Pay Schedule one-time payments. Add, Edit, or Delete Payees directly from the app. Check Deposit Deposit checks while on the go Personal Finance Take control of your finances using: - Budgeting - Account aggregation - Auto-categorization - Debt management Transfers Easily transfer cash between your accounts All features may not be available in the tablet application.

Screenshots

BILL Spend & Expense (Divvy)4 screens
NCB Consumer4 screens

Verdict

The call

The clearest difference is review sentiment: NCB Consumer at 82% against BILL Spend & Expense (Divvy)'s 32%. NCB Consumer also leads on device support (3 vs 1). BILL Spend & Expense (Divvy)'s advantage is rating (4.8 vs 4.3) and ratings volume (30K vs 75). On price, ads, in-app purchases and monetization model there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

BILL Spend & Expense (Divvy) holds the better App Store score, 4.8 against 4.3. That said, the two scores are not equally well evidenced: BILL Spend & Expense (Divvy) has 30K ratings behind it against 75, so its average is the more settled of the two. Written reviews complicate that: 32% of BILL Spend & Expense (Divvy)'s written reviews are positive against 82% of NCB Consumer's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

BILL Spend & Expense (Divvy) ships an update weekly, NCB Consumer every 5 weeks. The most recent releases landed on November 8, 2026 and November 3, 2026 respectively.

Scorecard5 real differences · 5 level
BILL Spend & Expense (Divvy) versus NCB Consumer: the parameters behind the verdict, then further details
ParameterBILL Spend & Expense (Divvy)NCB Consumer
PriceFreeFree
Rating4.8 (30K ratings) — better4.3 (75 ratings)
Positive reviews32.2% of reviews81.8% of reviews — better
Number of ratings30K — better75
Update frequencyWeekly — betterEvery 5 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhoneiPhone, iPad, iPod — better
Requires iOS16.415.0 — better
Further details — not scored
Size131 MB148 MB
Age rating4+4+
DeveloperBill.com, Inc.The National Capital Bank of Washington

Customer experience

BILL Spend & Expense (Divvy)

All ratings30,373 ratings
Positive95.2%
Neutral1.5%
Negative3.3%
Written reviews295 reviews
Positive32.2%
Neutral6.8%
Negative61.0%

NCB Consumer

All ratings64 ratings
Positive79.7%
Neutral3.1%
Negative17.2%
Written reviews11 reviews
Positive81.8%
Neutral0.0%
Negative18.2%

Bugs and requests

BILL Spend & Expense (Divvy)

Reported bugs

5 issues
  • Recurring issues with declined transactions
  • Inability to view loaded receipts in the app
  • Notifications not clearing properly
  • Inconsistent performance after recent updates
  • Account freezing and fund access issues

Requested features

5 requests
  • Ability to remove old or irrelevant notifications
  • More flexible budgeting and allocation options
  • Improved integration with third-party accounting tools
  • Enhanced receipt scanning and management capabilities
  • Faster processing of payments and refunds

NCB Consumer

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

BILL Spend & Expense (Divvy)

No in-app purchases

None

NCB Consumer

No in-app purchases

Questions

Is BILL Spend & Expense (Divvy) free?
BILL Spend & Expense (Divvy) is free to download, with no in-app purchases.
Is NCB Consumer free?
NCB Consumer is free to download, with no in-app purchases.
Which has better reviews, BILL Spend & Expense (Divvy) or NCB Consumer?
BILL Spend & Expense (Divvy) is rated higher. BILL Spend & Expense (Divvy) averages 4.8 out of 5 from 30K ratings, while NCB Consumer averages 4.3 from 75 ratings.
Do BILL Spend & Expense (Divvy) or NCB Consumer have ads?
Neither BILL Spend & Expense (Divvy) nor NCB Consumer shows ads.
Which is updated more often, BILL Spend & Expense (Divvy) or NCB Consumer?
BILL Spend & Expense (Divvy) ships an update weekly, and NCB Consumer every 5 weeks. Most recently, BILL Spend & Expense (Divvy) was updated on November 8, 2026 and NCB Consumer on November 3, 2026.

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