# BILL Spend & Expense (Divvy) vs NCB Consumer

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.

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

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.

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.

## The numbers

| Metric | BILL Spend & Expense (Divvy) | NCB Consumer |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (30K ratings)](https://appshunter.io/ios/app/bill-spend-and-expense-divvy/id1114962353/reviews)** | [4.3 (75 ratings)](https://appshunter.io/ios/app/ncb-consumer/id1504134332/reviews) |
| Number of ratings | **30K** | 75 |
| Positive reviews | 32.2% of reviews | **81.8% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Weekly** | Every 5 weeks |
| Monetization | Free | Free |
| Size | 131 MB | 148 MB |
| Requires iOS | 16.4 | **15.0** |
| Devices | iPhone | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Bill.com, Inc.](https://appshunter.io/developer/442087431) | [The National Capital Bank of Washington](https://appshunter.io/developer/961782960) |

## What reviewers say

### BILL Spend & Expense (Divvy)

[App page](https://appshunter.io/ios/app/bill-spend-and-expense-divvy/id1114962353)

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:** macOS Compatibility, Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Simplicity and ease of use
- 👍 Intuitive and user-friendly app
- 🚀 Efficient expense tracking and reporting
- 🚀 Seamless integration with accounting software
- 👍 Helpful customer support

**What reviewers complain about**

- 🐛 Buggy app with crashes and glitches
- 🕰️ Slow processing of payments and refunds
- 🤔 Confusing budgeting and allocation system
- 🤔 Lack of advanced features and customization
- 🤔 Inconsistent user experience across platforms

**Reported bugs**

- 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**

- 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

[App page](https://appshunter.io/ios/app/ncb-consumer/id1504134332)

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:** macOS Compatibility, Apple Wallet, Vision Pro support

**In-app purchases:** none


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*