Comparison

BILL Spend & Expense (Divvy) vs Divvy

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)

This app offers a free, automated solution for managing business expenses. It combines corporate cards with software to track spending, provide real-time budget insights, and automate expense recording. It helps businesses stay within budget, manage approvals, and integrate with accounting software.

Highlights
  • Automated expense tracking
  • Real-time budget visibility
  • Physical and virtual corporate cards
  • Proactive spend controls
  • Team approval workflows
  • Out-of-pocket expense reimbursements
  • 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

Divvy

Easily share expenses with friends by creating groups and tracking who owes what. Supports multiple currencies and offers flexible repayment options for seamless settlement.

Highlights
  • Create and manage expense groups
  • Add expenses with multiple currencies
  • Automatic currency conversion
  • Calculate easiest repayment methods
  • Personalize groups with photos
Features
Read full description

Divvy makes it easy to share expenses with friends. 1. Create a group and invite your friends. 2. Members can add expenses. Divvy keeps track of everything. 3. When you're ready to settle, Divvy will figure out how everyone get's repaid in the easiest way possible. BRING DIVVY ON YOUR NEXT VACATION Add expenses in 30 different currencies. Divvy will automatically convert the amount based on the latest exchange rate. SETTLE THE WAY YOU PREFER Add all the ways others can pay you back. PERSONALIZE YOUR GROUP Add a photo to your group to make it truly yours.

Screenshots

BILL Spend & Expense (Divvy)4 screens
Divvy4 screens

Verdict

The call

The clearest difference is rating: BILL Spend & Expense (Divvy) at 4.8 against Divvy's 3.0. BILL Spend & Expense (Divvy) also leads on review sentiment (32% vs 0%) and ratings volume (30K vs 2). Divvy's advantage is monetization model (free vs free with in-app purchases). On price, ads, in-app purchases and device support 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 3.0. That said, the two scores are not equally well evidenced: BILL Spend & Expense (Divvy) has 30K ratings behind it against 2, so its average is the more settled of the two. Written reviews point the same way: 32% of BILL Spend & Expense (Divvy)'s written reviews are positive against 0% of Divvy's.

UpkeepUpdate frequency

BILL Spend & Expense (Divvy) ships an update weekly, Divvy every 2 weeks. The most recent releases landed on October 31, 2026 and October 18, 2026 respectively.

Scorecard5 real differences · 5 level
BILL Spend & Expense (Divvy) versus Divvy: the parameters behind the verdict, then further details
ParameterBILL Spend & Expense (Divvy)Divvy
PriceFreeFree
Rating4.8 (30K ratings) — better3.0 (2 ratings)
Positive reviews32.1% of reviews — better0.0% of reviews
Number of ratings30K — better2
Update frequencyWeekly — betterEvery 2 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
DevicesiPhoneiPhone, iPod — better
Requires iOS16.416 — better
Further details — not scored
Size131 MB19 MB
Age rating4+4+
DeveloperBill.com, Inc.Totus Labs ApS

Customer experience

BILL Spend & Expense (Divvy)

All ratings30,134 ratings
Positive95.2%
Neutral1.5%
Negative3.3%
Written reviews293 reviews
Positive32.1%
Neutral6.8%
Negative61.1%

Divvy

All ratings2 ratings
Positive50.0%
Neutral0.0%
Negative50.0%
Written reviews1 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

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

Divvy

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

BILL Spend & Expense (Divvy)

No in-app purchases

None

Divvy

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 Divvy free?
Divvy is free to download, with no in-app purchases.
Which has better reviews, BILL Spend & Expense (Divvy) or Divvy?
BILL Spend & Expense (Divvy) is rated higher. BILL Spend & Expense (Divvy) averages 4.8 out of 5 from 30K ratings, while Divvy averages 3.0 from 2 ratings.
Do BILL Spend & Expense (Divvy) or Divvy have ads?
Neither BILL Spend & Expense (Divvy) nor Divvy shows ads.
Which is updated more often, BILL Spend & Expense (Divvy) or Divvy?
BILL Spend & Expense (Divvy) ships an update weekly, and Divvy every 2 weeks. Most recently, BILL Spend & Expense (Divvy) was updated on October 31, 2026 and Divvy on October 18, 2026.

Other comparisons