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BILL Spend & Expense
BILL Spend & Expense is an AI tool for accountants. BILL's corporate card and expense-management product, formerly Divvy, with AI coding of spend. Pricing: freemium, Spend & Expense $0/user/month; BILL AP & AR plans from $49/user/month (as of November 2026).
Key facts
- Name
- BILL Spend & Expense
- Primary profession
- Accountants
- Category
- Spend & accounts payable
- Pricing
- Freemium: Spend & Expense $0/user/month; BILL AP & AR plans from $49/user/month
- Pricing source
- https://www.bill.com/pricing
- Pricing as of
- November 2026
- Last verified
- November 1, 2026
Pricing verified November 1, 2026 against the vendor's official page.
Used by: Accountants
Task hubs: Spend & Accounts Payable for Accountants
What BILL Spend & Expense does
BILL Spend & Expense issues physical and virtual cards with budgets, limits and approval workflows, auto-captures and matches receipts, uses AI to code accounting fields and write memos, and syncs two-way with QuickBooks, NetSuite, Xero, Sage Intacct and Dynamics.
BILL Spend & Expense is the corporate-card and expense product formerly known as Divvy. The workflow is deliberately front-loaded: cards carry limits and policy rules, receipts are captured and matched automatically, and AI codes the accounting fields and writes memos before the transaction reaches the ledger. That makes it a controls product as much as a spending tool.
Cards, receipts and AI coding
Described on bill.com's official pages and checked on November 1, 2026. Each point links to the page it came from; this directory has not tested the product. How we choose and verify.
- Teams can create physical or virtual cards with limits and rules baked in, and set real-time tracking, flexible limits and instant visibility. (bill.com, as of November 1, 2026)
- Custom business budgets, card limits and automated approval workflows can be configured, with spending rules enforcing company policy and reminders chasing approvals. (bill.com, as of November 1, 2026)
- Employees snap a photo or text a receipt to a dedicated BILL number, and BILL captures receipts from integrations, generates them when missing and matches them to the right transaction. (bill.com, as of November 1, 2026)
- AI codes every accounting field and writes memos, and the BILL Reconciliation agent categorises transactions and writes business notes; the vendor claims 95% day-one accuracy on key invoice fields. (bill.com, as of November 1, 2026)
- A direct two-way sync keeps transactions aligned with NetSuite, Sage Intacct, QuickBooks, Microsoft and Xero, with custom file integration or APIs as alternatives. (bill.com, as of November 1, 2026)
- The mobile app lets employees capture receipts, view card balances and approve expenses in real time, while predictive AI monitors transactions for suspicious activity. (bill.com, as of November 1, 2026)
Accounting sync and file options
- Accounting connections cover NetSuite, Sage Intacct, QuickBooks, Microsoft and Xero through a two-way sync. (bill.com, as of November 1, 2026)
- Custom file integration and APIs are offered where a direct accounting connection is not available. (bill.com, as of November 1, 2026)
Mobile access and controls
- The product also includes a close schedule that shows what is left for the period, multi-entity support and a mobile app; pricing on this page is described as based on business needs and user count. (bill.com, as of November 1, 2026)
Best for
Finance teams that want employee card spend controlled and auto-coded before it reaches the general ledger.
- Issue cards with budget controls
- Auto-categorize transactions and receipts
BILL Spend & Expense is catalogued for Accountants under spend and accounts payable and appears in the Spend & Accounts Payable for Accountants hub. It is the card-first option: compare Ramp for a competing card-and-expense stack, Melio for vendor payments, Tipalti for global AP scale and Dext for receipt capture feeding an existing ledger. The value depends on employees actually using the cards and receipt capture.
Pricing
Freemium: Spend & Expense $0/user/month; BILL AP & AR plans from $49/user/month
Plans seen on the BILL pricing page: Spend & Expense ($0 per user/month); AP & AR Essentials ($49 per user/month), Team ($65), Corporate ($89), Enterprise (custom). Accounting-firm plans: AP & AR Partner ($49/month), Spend & Expense Partner ($0), Accountant Console ($49/month).
Pricing as of November 2026; last verified November 1, 2026. Source: https://www.bill.com/pricing. How we check pricing.
Related alternatives
Editorial matches from this directory's catalog based on shared tasks, categories and professions; pricing comes from each vendor's public page as of November 2026; tools were not hands-on tested. How we choose and verify. See all 5 alternatives to BILL Spend & Expense.
| Alternative | Best for | Pricing |
|---|---|---|
| Jobber | Cleaning, HVAC, landscaping, plumbing and other home-service businesses. | Paid: From $29/month (Core, billed annually); $49/month month-to-month |
| QuickBooks Online | Small businesses that need full double-entry accounting and payroll in one platform. | Freemium: Free plan; Simple Start $38/month ($19/month for the first 3 months) |
| Dext | Bookkeepers and accountants processing large volumes of receipts and supplier documents. | Paid: See vendor pricing |
| Melio | Small and mid-sized businesses that want free-to-start AP payments without a full procure-to-pay suite. | Freemium: Free plan; paid from $20/month billed annually ($25 monthly) |
| Ramp | Finance teams that want to control spend and automate accounts payable. | Freemium: Free plan; see vendor pricing |
| Tipalti | Mid-market and enterprise finance teams paying many international suppliers who need AP controls and cross-border payouts in one system. | Paid: From $99/month (Accounts Payable); Mass Payments from $249/month |
| Vic.ai | Finance teams processing large volumes of supplier invoices. | Paid: See vendor pricing |
| FreshBooks | Service businesses that need straightforward invoicing and expense tracking. | Paid: From $23/month (Lite plan) |
FAQ
What is BILL Spend & Expense used for?
BILL's corporate card and expense-management product, formerly Divvy, with AI coding of spend. Finance teams that want employee card spend controlled and auto-coded before it reaches the general ledger.
How much does BILL Spend & Expense cost?
As of November 2026, BILL Spend & Expense pricing is listed as freemium: Spend & Expense $0/user/month; BILL AP & AR plans from $49/user/month. Plans seen on the BILL pricing page: Spend & Expense ($0 per user/month); AP & AR Essentials ($49 per user/month), Team ($65), Corporate ($89), Enterprise (custom). Accounting-firm plans: AP & AR Partner ($49/month), Spend & Expense Partner ($0), Accountant Console ($49/month).
What are alternatives to BILL Spend & Expense?
Related alternatives to BILL Spend & Expense in this directory include Jobber, QuickBooks Online, Dext, Melio, Ramp, Tipalti, Vic.ai, FreshBooks. Each alternative has a best-for summary and its own pricing on its tool page.
Does BILL Spend & Expense code transactions automatically?
Yes. The vendor says AI codes every accounting field and writes memos, and the BILL Reconciliation agent categorises transactions and writes business notes. It claims 95% day-one accuracy for auto-capturing key invoice fields, and the data syncs two-way with supported accounting systems.
Source: bill.com, as of November 1, 2026.
Last updated 2026-11-01. BILL Spend & Expense is a trademark of its owner; this site is independent and not affiliated.