# GuideStone vs BILL Spend & Expense (Divvy)

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.

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 4.2. 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.

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.

## The numbers

| Metric | GuideStone | BILL Spend & Expense (Divvy) |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.2 (50 ratings)](https://appshunter.io/ios/app/guidestone/id414758379/reviews) | **[4.8 (31K ratings)](https://appshunter.io/ios/app/bill-spend-and-expense-divvy/id1114962353/reviews)** |
| Number of ratings | 50 | **31K** |
| Positive reviews | **55.6% of reviews** | 32.4% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Weekly** |
| Monetization | Free | Free |
| Size | 142 MB | 131 MB |
| Requires iOS | **15.4** | 16.4 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [GuideStone Financial Resources](https://appshunter.io/developer/414758382) | [Bill.com, Inc.](https://appshunter.io/developer/442087431) |

## What reviewers say

### GuideStone

[App page](https://appshunter.io/ios/app/guidestone/id414758379)

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:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


### 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


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