Comparison

GuideStone vs BILL Spend & Expense (Divvy)

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

Head to head
About

GuideStone

Manage your retirement, investment, and insurance accounts on the go. Access account details, track performance, and review policy information anytime, anywhere. This app provides convenient access to your financial resources to help you finish well.

Highlights
  • Access retirement and investment overview
  • View accounts, plans, and investments
  • Track market value and performance
  • Manage investment allocation
  • Browse insurance products
  • Check policy coverage details
Features
Read full description

At GuideStone®, our vision is that every servant of Christ finishes well. With this in mind, we are committed to providing our members with tools and resources that help make this vision a reality. That is why we built the MyGuideStone® app to give you 24/7 access to your GuideStone retirement, investments, and insurance accounts from the convenience of your phone or tablet. Retirement/Investments · Access your investment overview · View accounts, plans and investments · Stay up-to-date on market value and performance · Manage your investment allocation · View investment transaction history and details Insurance · Browse insurance products · Check policy coverage details · See policy premium amount · View policy dependents We are always looking for ways to improve your experience and roll out updates often. If there is something you want us to build, please Give Us Feedback under the Help tab. Users must have a MyGuideStone account and login to access the app. GuideStone, MyGuideStone and the stones logo are registered trademarks of GuideStone Financial Resources. Apple, the Apple logo, iPhone, and iPad are trademarks of Apple Inc., registered in the U.S. and other countries and regions. App Store is a service mark of Apple Inc.

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.

Screenshots

GuideStone4 screens
BILL Spend & Expense (Divvy)4 screens

Verdict

The call

The clearest difference is rating: BILL Spend & Expense (Divvy) at 4.8 against GuideStone's 4.2. BILL Spend & Expense (Divvy) also leads on update cadence (weekly vs every 2 months) and ratings volume (31K vs 50). GuideStone's advantage is review sentiment (56% vs 32%) and device support (3 vs 1). 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 4.2. That said, the two scores are not equally well evidenced: BILL Spend & Expense (Divvy) has 31K ratings behind it against 50, so its average is the more settled of the two. Written reviews complicate that: 56% of GuideStone's written reviews are positive against 32% of BILL Spend & Expense (Divvy)'s, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

GuideStone ships an update every 2 months, BILL Spend & Expense (Divvy) weekly. The most recent releases landed on November 10, 2026 and November 13, 2026 respectively.

Scorecard5 real differences · 5 level
GuideStone versus BILL Spend & Expense (Divvy): the parameters behind the verdict, then further details
ParameterGuideStoneBILL Spend & Expense (Divvy)
PriceFreeFree
Rating4.2 (50 ratings)4.8 (31K ratings) — better
Positive reviews55.6% of reviews — better32.2% of reviews
Number of ratings5031K — better
Update frequencyEvery 2 monthsWeekly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS15.4 — better16.4
Further details — not scored
Size142 MB131 MB
Age rating4+4+
DeveloperGuideStone Financial ResourcesBill.com, Inc.

Customer experience

GuideStone

All ratings50 ratings
Positive76.0%
Neutral12.0%
Negative12.0%
Written reviews27 reviews
Positive55.6%
Neutral25.9%
Negative18.5%

BILL Spend & Expense (Divvy)

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

Bugs and requests

GuideStone

Not enough reviews yet to summarise bugs or 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

In-app purchases

None

GuideStone

No in-app purchases

None

BILL Spend & Expense (Divvy)

No in-app purchases

Questions

Is GuideStone free?
GuideStone is free to download, with no in-app purchases.
Is BILL Spend & Expense (Divvy) free?
BILL Spend & Expense (Divvy) is free to download, with no in-app purchases.
Which has better reviews, GuideStone or BILL Spend & Expense (Divvy)?
BILL Spend & Expense (Divvy) is rated higher. GuideStone averages 4.2 out of 5 from 50 ratings, while BILL Spend & Expense (Divvy) averages 4.8 from 31K ratings.
Do GuideStone or BILL Spend & Expense (Divvy) have ads?
Neither GuideStone nor BILL Spend & Expense (Divvy) shows ads.
Which is updated more often, GuideStone or BILL Spend & Expense (Divvy)?
GuideStone ships an update every 2 months, and BILL Spend & Expense (Divvy) weekly. Most recently, GuideStone was updated on November 10, 2026 and BILL Spend & Expense (Divvy) on November 13, 2026.

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