BILL Spend & Expense
by BILL · Expense Management
Corporate cards with budgeting and expense management for SMBs.
Updated August 2026 · By the ERP Research Editorial Team · Independent and vendor-neutral.
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- Works with
NetSuite
Sage IntacctQuickBooksXero- Deployment
- Cloud
- Company size
- SMB, Mid-market
- Pricing
- Free tier available
- Founded
- 2016
- Headquarters
- San Jose, California, USA
Overview
BILL Spend & Expense (formerly Divvy) is a free, budget-driven expense management product from BILL that combines corporate cards with software for budgeting, spend controls and expense management. Divvy was acquired by Bill.com (now BILL, NYSE: BILL) in 2021 and rebranded to BILL Spend & Expense.
The platform issues physical and virtual cards with limits and merchant rules tied directly to budgets, giving real-time visibility into spend by department, team, project or individual. Expenses are categorized instantly with timely spend notifications, and the product is offered with no monthly or annual software fees, monetized through interchange on card spend. It connects to accounting and ERP systems for reconciliation and posting.
BILL Spend & Expense is aimed primarily at small and mid-sized businesses and accountants, and is often used alongside BILL's separate accounts payable/receivable products. It integrates with NetSuite, Sage Intacct, QuickBooks, Microsoft and Xero.
Screenshots & demo
Demo video from the vendor's YouTube channel. Screenshots sourced from BILL.
Modules & capabilities
BILL Spend & Expense covers 13 of 47 capabilities we track in this category
28%- Receipt OCR captureNot evidenced
- Mobile app receipt captureReceipt capture via mobile appSupported
- Email-forwarded receipt captureNot evidenced
- Multi-currency expense captureNot evidenced
- Receipt itemizationNot evidenced
- Duplicate expense detectionNot evidenced
- Mileage tracking and reimbursementMileage supportSupported
- Per diem automationNot evidenced
“Not evidenced” means our research found no public documentation of this capability — the vendor may still offer it. Confirm on a demo.
Common use cases
- SMBs wanting free corporate cards with built-in budgeting
- Enforcing budgets and merchant rules at the card level
- Real-time spend visibility by team, project or department
- Issuing virtual cards for vendors and subscriptions
- Categorizing and reconciling card spend into QuickBooks or NetSuite
- Managing employee reimbursements alongside card spend
- Accountants administering client spend programs
Strengths & considerations
Strengths
- No monthly or annual software fees (interchange-funded)
- Budget-first design that ties card limits to budgets
- Part of the broader BILL financial operations platform
- Strong SMB and accountant adoption
Considerations
- Card and banking features are US-centric
- Oriented to SMB rather than large enterprise
ERP integrations
Deep sync connects NetSuite to BILL for automated or on-demand posting.
Deep sync connector for Sage Intacct.
Deep sync connector for QuickBooks Online.
Deep sync connector for Microsoft Dynamics.
Connector details independently verified against vendor marketplaces and documentation; last checked 2026-08-11.
Pricing
The software is free with no monthly or annual fees; BILL earns revenue through interchange on card spend. Get an independent shortlist with pricing guidance below.
Technical & security
- Hosting
- SaaS (multi-tenant)
- Compliance
- SOC 2, PCI DSS
- Mobile app
- Yes
- Languages
- English
About the vendor
- Founded
- 2016
- Headquarters
- San Jose, California, USA
- Ownership
- Public
Alternatives to BILL Spend & Expense in Expense Management
BILL Spend & Expense — frequently asked questions
Was BILL Spend & Expense previously called Divvy?
Yes. It was formerly Divvy, which BILL (Bill.com) acquired in 2021 and rebranded to BILL Spend & Expense.
Is the software really free?
Yes. There are no monthly or annual software fees; BILL monetizes through interchange on card spend.
How does the budgeting work?
Spend limits and merchant controls are tied directly to budgets by department, team, project or individual, with real-time visibility.
Which accounting systems does it integrate with?
It integrates with NetSuite, Sage Intacct, QuickBooks, Microsoft and Xero.
Evaluating Expense Management?
Tell us your ERP and requirements and we'll send an independent shortlist — including BILL Spend & Expense and the best-fit alternatives — with honest pros and cons.