Divvy (BILL Spend & Expense)
FreemiumFree expense management with corporate cards and real-time budgets
💳Corporate Cards & Spend ManagementAbout Divvy (BILL Spend & Expense)
Divvy (now BILL Spend & Expense) provides free expense management software with corporate Visa cards, real-time budget tracking, and automated receipt capture. Managers set spending limits per person or department, and transactions automatically categorize. Virtual cards can be created instantly. Free for all features — BILL makes money from interchange.
What's Great
- ✓Completely free expense management — no subscription fees
- ✓Real-time budget tracking by department, project, or individual
- ✓Instant virtual card creation for one-time or recurring purchases
- ✓Automated receipt capture and transaction categorization
- ✓Now backed by BILL with growing AP automation capabilities
Watch Out For
- !Requires using Divvy corporate cards — not useful for personal card reimbursement
- !Cashback rates are lower than Ramp's 1.5%
- !Reporting features are less advanced than enterprise alternatives
- !BILL acquisition has introduced some feature overlap and confusion
Common Use Cases
SMB wanting free corporate cards with built-in budget controls
Finance team needing real-time department-level spending visibility
Company looking for virtual cards to control SaaS and vendor spending
Pricing Model
Freemium
Free plan available. Paid plans unlock advanced features and higher limits.
Category
Corporate Cards & Spend Management
Smart corporate card programs with built-in controls, limits, and automatic reconciliation.
Tags
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