# BILL Spend & Expense (Divvy) vs RefundIQ

BILL Spend & Expense (Divvy) and RefundIQ both sit at 4.8 stars, but that hides the real split: 100% of RefundIQ's written reviews are positive against 32% of BILL Spend & Expense (Divvy)'s. BILL Spend & Expense (Divvy)'s advantage is in-app purchases (none vs 2) and ratings volume (31K vs 11). On price, rating, update cadence and ads there is nothing between them.

Both are free to download. RefundIQ sells 2 in-app purchases, starting at $4.99 per month. BILL Spend & Expense (Divvy) asks for nothing beyond the download.

On the App Store both sit at effectively the same score — 4.8 for BILL Spend & Expense (Divvy) against 4.9 for RefundIQ. That said, the two scores are not equally well evidenced: BILL Spend & Expense (Divvy) has 31K ratings behind it against 11, so its average is the more settled of the two. Written reviews are what separate them: 32% of BILL Spend & Expense (Divvy)'s written reviews are positive against 100% of RefundIQ's.

BILL Spend & Expense (Divvy) ships an update weekly, RefundIQ every 10 days. The most recent releases landed on November 12, 2026 and November 5, 2026 respectively.

## The numbers

| Metric | BILL Spend & Expense (Divvy) | RefundIQ |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (31K ratings)](https://appshunter.io/ios/app/bill-spend-and-expense-divvy/id1114962353/reviews) | **[4.9 (11 ratings)](https://appshunter.io/ios/app/refundiq/id6791152216/reviews)** |
| Number of ratings | **31K** | 11 |
| Positive reviews | 32.2% of reviews | **100.0% of reviews** |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | **Weekly** | Every 10 days |
| Monetization | **Free** | Free with in-app purchases |
| Size | 131 MB | 43 MB |
| Requires iOS | 16.4 | 16.4 |
| Devices | iPhone | **iPhone, iPad** |
| Age rating | 4+ | 17+ |
| Developer | [Bill.com, Inc.](https://appshunter.io/developer/442087431) | [RefundIQ](https://appshunter.io/developer/6791152218) |

## 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


### RefundIQ

[App page](https://appshunter.io/ios/app/refundiq/id6791152216)

Automatically tracks refunds, store credits, and travel vouchers from online purchases. It connects to your credit cards to verify amounts and flags overdue refunds, even following up with merchants on your behalf. Never lose money to forgotten credits or delayed reimbursements again.

**Highlights:** Automatic refund confirmation scanning, Credit card matching for refund verification, Store credit balance tracking with expiration alerts, Travel and airline credit management, Subscription charge monitoring, Automatic merchant follow-ups for overdue refunds

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| RefundIQ Power Shopper | $4.99 | per month |
| RefundIQ Power Shopper | $47.99 | per year |


## Frequently asked questions

### Is BILL Spend & Expense (Divvy) free?

BILL Spend & Expense (Divvy) is free to download, with no in-app purchases.

### Is RefundIQ free?

RefundIQ is free to download, with in-app purchases available.

### Which has better reviews, BILL Spend & Expense (Divvy) or RefundIQ?

RefundIQ is rated higher. BILL Spend & Expense (Divvy) averages 4.8 out of 5 from 31K ratings, while RefundIQ averages 4.9 from 11 ratings.

### Do BILL Spend & Expense (Divvy) or RefundIQ have ads?

Neither BILL Spend & Expense (Divvy) nor RefundIQ shows ads.

### Which is updated more often, BILL Spend & Expense (Divvy) or RefundIQ?

BILL Spend & Expense (Divvy) ships an update weekly, and RefundIQ every 10 days. Most recently, BILL Spend & Expense (Divvy) was updated on November 12, 2026 and RefundIQ on November 5, 2026.

---

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