BILL Spend & Expense (Formerly Divvy) Reviews

Pros

I first learned about Divvy via the daily business newsletter, Morning Brew. I was in disbelief that the product was totally free, so I scheduled a demo call. As it turns out, Divvy really is TOTALLY free. The app is incredibly user friendly and switching/updating budgets is surprisingly easy. But while the app interface is nice, the push notifications are wonderfully helpful, and Divvy travel has us saying bye-bye to Expedia, the REAL value our agency has found in using Divvy is the virtual card feature. As the Director of Marketing Strategy at a small Marketing Technology Agency, I manage a team of people who run a plethora of digital ads campaigns for numerous clients in any given month. Divvy's virtual card feature allows us to manage media buys on behalf of our clients without needing to open 100+ credit cards (or require the client to use their card). So, we're able to manage our clients' monthly spend and charge them a small admin fee (for putting the spend on our cards) without incurring ANY credit card fees.

Cons

Honestly, there are really only two things I dislike about Divvy:

1. That there isn't a Divvy for PERSONAL spending (I've been Googling looking for something like this for the past few weeks now...nothing seems to exist!)

2. The saving a receipt feature/adding notes feature is a little spotty at times. I find that I often need to go back into a purchase and re-upload the photo of the receipt/re-type my note. Hopefully this is a bug that gets worked out with the next app update.

Pros

simplifies expense tracking, reimbursements, receipt collecting, approval process

Cons

its newer so working out bugs still. I don't really think this is a big con, but its what I could think of

Alternatives Considered

SAP Concur

Reasons for Choosing BILL Spend & Expense (Formerly Divvy)

at the time, expensify didn't have a corporate card. They do now, but we've learned how much easier and cleaner DIvvy is

Switched From

Expensify

Reasons for Switching to BILL Spend & Expense (Formerly Divvy)

simplicity. Concur was way too robust for what we needed

Pros

Can't say anything here because I didn't even have an ability to experience the software.

Cons

The big one - support, from the start of application to installing the integration with Net Suite. Very slow to address the issues, team seemed very low on knowledge of the product and processes.The application process - limited to US only. If you want to apply for it and you are not in US DO NOT EVEN THINK about applying for it, the verification process was tedious and frustrating.

Pros

The thing we loved the most is how easy and amazing the platform in general is. We also absolutely love the mobile receipt feature. We hated keeping track of receipts.

Cons

Honestly, nothing at this moment. We really love the product.

Pros

My favorite feature is the ability to control credit lines for individuals at any given time. If an employee who rarely uses the corporate card suddenly has a need, we can adjust accordingly.

Cons

For the time being, Divvy doesn't integrate with our ERP, Netsuite. As such, I have to import into our ERP with CSVs which isn't ideal. Divvy is currently BETA testing an integration with Netsuite so we are patiently awaiting the full release of that.

Pros

I love that we now have credit cards instead of a bunch of debit cards. I like the app a lot. My employees and I get a notification immediately on our phone to upload receipts, categorize the expense, and write any notes. I also love that I have control over how much money each of my employees have access to. I can easily take away and add more.

Cons

I have had a few cons. 1) I am supposed to get a reminder email every Monday morning with a "to-do" list. I have gotten it about 50% of the time due to bugs in the system. The same goes for my employees. 2) I would love to not be able to approve my own transactions. 3) On the transactions page, place where you add filters seems not as well organized as I would like. I would love to be able to personally edit the order of the filters. I am constantly scrolling to the bottom.

Pros

I love that Divvy is not only free, but that it also allows you to manage expenses companywide we have about seven spenders in our small business and using Divvy allows us to assign budgets issue funds to particular employees and allow them to make purchases as needed. it also streamline to the bookkeeping process because all of the transactions are already categorized and require receipt upload it is absolutely fantastic.

Cons

It’s hard to think of anything I don’t like about the software because I love it so much the only negative I can think of is that setting it up to integrate well with your books can’t take a bit of time however, their team walks you through the entire process from beginning to end, which makes the process a lot easier.

Alternatives Considered

Expensify and Ramp

Reasons for Choosing BILL Spend & Expense (Formerly Divvy)

We wanted to each of our employees to have their own cards and give our budget managers more visibility over what is being spent

Reasons for Switching to BILL Spend & Expense (Formerly Divvy)

Divvy was completely free and offered all the features that we needed to get started. The other alternatives either offered clunky integrations or some sort of upfront financial requirements. In order to get started. divvy was super easy to get approved and set up

Pros

For years we had wanted to get corporate cards for staff but did not want to take the risk of not having credit and approval controls like we do now with Divvy.

The ease of use, simplicity, and thoughtfulness that comes with Divvy is why we love it.

Oh and it's free!

Cons

I have not had a single issue with them.

Alternatives Considered

BILL and Expensify

Reasons for Choosing BILL Spend & Expense (Formerly Divvy)

Credit control, manager controls, ease of use, mobile access, and cloud storage of transactions.

Reasons for Switching to BILL Spend & Expense (Formerly Divvy)

The best and easiest customer experience with the app. It's clean, innovative, has been thought out well, and super easy to use. Also, their customer service has been 100% great, and it's free.

Pros

If you're a small business with big monthly expenses, and petty cash headaches, Divvy is a no-brainer. Each of our field techs have a card we can control from the office, or divvy out funds as needed.

As a small family business, this cut down on half our office work (and my mother no longer goes through receipts in the office; she can just retire)

Divvy integrates with Quickbooks well, but here's the thing... we didn't even integrate it.
Its simpler for us to keep it totally independent from other accounting software, because working in Divvy's web app is a joy. The UI is simple and great.

All of our company payables and receipts management stays on Divvy, and our bank account shows one payment per week for Payables. That's it. The purchase info can't be messed up with bad OCR, because the info comes from the Bank account.

Cons

Nothing. So far it's perfect for us. We haven't been able to mess anything up yet.

Alternatives Considered

Expensify

Reasons for Switching to BILL Spend & Expense (Formerly Divvy)

-Instant reconciliation with purchases, and in-app labels if transaction details are incomplete. -Transparency of petty-cash funds. -Field tech credit cards with admin controls from app and web app -instant expense report creations. -No risk of Bad OCR creating repeat work (totals and info are pulled from the vender)

Pros

It is very easy to use and very ease to teach users how to use. It allows us to customize expense fields, budgets and reports so as an accounting team we get what we need, but it is simple enough for any user to use.

Cons

The only complaint I have at this point is that we cannot set limits for receipts. I'd like to be able to say "all transactions over $20 require a receipt," but that is not available yet.

Alternatives Considered

Expensify and SAP Concur

Reasons for Choosing BILL Spend & Expense (Formerly Divvy)

Ease of use and reporting ability.

Reasons for Switching to BILL Spend & Expense (Formerly Divvy)

Ease of use and the link of a credit card program to the expense reporting platform.

Pros

This is a huge time saver from an administrative standpoint. The end user experience is really simple and intuitive. I feel confident I have documentation and accuracy in my expenses.

Cons

There needs to be a reporting function for reimbursements.

Alternatives Considered

Expensify

Reasons for Switching to BILL Spend & Expense (Formerly Divvy)

It's free, it's an all in one platform to get it done, and there is a lot less work on the end user.

Pros

Divvy is as simple as it gets with expense management. Everyone on the platform, from myself as the one who implemented it for our team to the newest employee just onboarding, has had such an easy time navigating it and understanding their role on the platform. It is intuitive, quick, and seamless. The customer service team is second to none and any time we've had a request or question we get help right away from the best team out there.

Cons

Business reporting could be made a little more nuanced for teams to be able to play with more views etc. in the dashboard, but this isn't a big enough con to move away from Divvy to anything else and they take innovation seriously. I won't be surprised to see more functionality here launch in the near future if enough customers are asking for it.

Alternatives Considered

Expensify

Switched From

Expensify

Pros

Very easy to integrate into our business and very user friendly software.

Cons

Out of pocket reimbursement. Be easier once approved Divvy sent check to individuals and charge the Divvy account vs ACH funds to Divvy.

Pros

I really like being able to upload receipts via the phone and being able to forward on email receipts because it helps me not forget!

Cons

Some of the internal menus and the incentive interface are sluggish and unhelpful. Having a year lag on rewards is also poor. Finally, I would appreciate more accountability on how credit decisions are reached. Particularly after ledgers and statement of accounts have been given.

Alternatives Considered

Ramp

Reasons for Switching to BILL Spend & Expense (Formerly Divvy)

Divvy was more welcoming and user friendly.

Pros

It allows the creation of budgets. We can create budgets and give anyone access to a budget or not. Giving us the flexibility to give everyone a card and issuing funds on an as needed basis. Divvy also is constantly looking for ways to improve the product and make it better, for instance the dashboard of how many transactions need to be approved or completed.

Cons

It is hard to think of any, one thing I would like the ability to do would be to drag an email into the receipt box as a number of receipts are not attachments or pdfs. Watch they will upgrade the system to do this in the next release.I did think of one...card holders sometimes have been denied transactions when they have funds on their cards and or budgets. This has been very inconvenient for those traveling.

Pros

We have had problems with volunteers and staff turning in credit card receipts. That is now a thing of the past - finally! It has totally eliminated that problem. When there is a missing receipt, now I know it within a couple days instead of a couple months. The users love it too because they don't have to worry about saving and turning in receipts as well. Just take a picture of it at the time of sale and they are done! The recent integration with Quickbooks was HUGE for us. Now most data entry of expenses is automatic as well. Very easy to use most of the time, and it's free!

Cons

Getting the hang of allocating budgets can be tricky. And if you have a budget used by multiple people it presents additional challenges trying to allocate funds between multiple people. Auto payments take a few days to free up funds. And virtual subscription cards don't reset until first business day of the month, which can be a problem if charges are attempted on the 1st and it is a weekend.

Pros

Time savings, faster expense approvals, cash rebates & increases in enterprise value.

Cons

Need a better mileage reimbursement app, which we understand is coming.

Pros

No more losing receipts!!! It is so nice to snap a photo right away and tie it to your charge. It makes month end reconciling much more streamlined

Cons

My only issue is the rewards system. It's a headache to say the least. When you cash in your points earned, you can't simply login and explore all of your options like other credit card companies. You must send in your request and wait to hear back from Divvy. We requested gift cards as our rewards and were sent to a website where we had very limited options for gift cards, and they were all electronic cards. This is very hard to keep track of and would have been much more convenient to get a a visa/mastercard giftcard. Also, all of the gift cards were tied to my email address, so any cards redeemed came to me via email and I had to distribute them to where they needed to go.

Pros

Ease of use, customer service, customizability, constant improvements to the system and its capabilities

Cons

Slow loading of transaction data on the website, could use more robust pre-approval process including more than one approver of an expense before a funds transfer, & our physical card orders get lost/never delivered about 50% of the time

Pros

Using Divvy has allowed us to organize our brand's budgets in a way that will enable our team to have access to the money they need while at the same time giving transparency to the leaders in the organization so we can be stewards of the brand. The ease of use and ability to distribute funds immediately have been a breath of fresh air for the team.

Cons

The only downside is that a few cards got lost in the mailing process when using the standard services. The expedited shipping has been a breeze with no issues.

Pros

Overall, I enjoy the ease of use of the software. It's very easy to onboard new users, manage the cards, in addition to the access to virtual cards, and allocate budgets across the company.

Cons

Some of the functionality in the way you navigate the options can be confusing. I do hope they expand their platform and integrate or build out software to do more cost management analysis. I'm currently dumping the data into power BI to run analysis on our spend month over month.

Alternatives Considered

Airbase

Reasons for Choosing BILL Spend & Expense (Formerly Divvy)

Modernization

Reasons for Switching to BILL Spend & Expense (Formerly Divvy)

Integration

Pros

Love, Love, LOVE Divvy! This company is amazing - great customer service and easy to use chat feature on the website finds a solution to any question I have. Divvy credit cards and app have optimized our agency's expense management process while saving us at least 15 hours a month of manual processing. Uploading receipts is easy to do and our agency learned to categorize expenses and request reimbursements within a few weeks of showing them the process. I highly recommend this company/system/credit card to anyone and everyone I know!

Cons

Nothing! Absolutely love Divvy! There is nothing wrong with divvy.

Pros

We love that we can assign budgets. It has really helped us to track expenses per job. The receipt feature is probably our most favorite part of Divvy. Having the ability to simply take a picture of your receipt and have it uploaded on the spot has greatly cut down missing and unreadable receipts. This is a major plus for a construction company.

Cons

Sometimes the upload feature won't work. However they have recently upgraded this feature to allow admins to upload receipt pictures for other user. So when the upload won't work for my guys in the field they simply send the picture to me and I can enter it.

Pros

Virtual credit cards. You can create a subscription or a burner on the win so that software companies or trial runs of a software or service can't overcharge you. It's also convenient if one of your accounts get hacked so you'll have to change the credit card number in all of your other accounts just the one that was compromised.

Cons

The budgets at first are a little difficult to figure out how to use. There's a bit of a learning curve but the rep walks you through everything on a video call and the customer support is amazing and are always there to help

Pros

We are so pleased with this software. The Quickbooks Desktop integration is key and the ability to add as many vendor cards as we need has made reconciling a breeze. The ability to approve funds request instantly is also a huge feature for us.

Cons

I did run into an issue where if we split a transaction to categorize it under different expense accounts when the transaction is synced it splits into two separate entries. This does not work for us so we no longer use the split feature. The work around we currently use is to enter notes about splitting the transaction then we edit it in quickbooks after we sync the transaction.