--- description: Get detailed information about BILL Spend & Expense usability, features, price, benefits and disadvantages from verified user experiences. Read reviews and discover similar tools on Capterra United Arab Emirates. image: https://gdm-localsites-assets-gfprod.imgix.net/images/capterra/og_logo-e5a8c001ed0bd1bb922639230fcea71a.png?auto=format%2Cenhance%2Ccompress title: BILL Spend & Expense Price, Reviews & Ratings - Capterra United Arab Emirates 2026 --- Breadcrumb: [Home](/) > [Expense Management Software](/directory/30559/expense-report/software) > [BILL Spend & Expense](/software/166905/divvy) # BILL Spend & Expense Canonical: https://www.capterra.ae/software/166905/divvy Page: 1 / 19\ Next: [Next page](https://www.capterra.ae/software/166905/divvy?page=2) > BILL Spend \& Expense (formerly Divvy) is the all-in-one expense management solution. > > Verdict: Rated **4.7/5** by 438 users. Top-rated for **Likelihood to recommend**. ----- ## Overview ### Who Uses BILL Spend & Expense? Any company that struggles with expense reports, reimbursements, receipts, expensive annual software contracts and other finance headaches. ## Quick Stats & Ratings | Metric | Rating | Detail | | **Overall** | **4.7/5** | 438 Reviews | | Ease of Use | 4.6/5 | Based on overall reviews | | Customer Support Software | 4.6/5 | Based on overall reviews | | Value for Money | 4.7/5 | Based on overall reviews | | Features | 4.5/5 | Based on overall reviews | | Recommendation percentage | 90% | (9/10 Likelihood to recommend) | ## About the vendor - **Company**: BILL - **Location**: Palo Alto, CA 94303, US - **Founded**: 2006 ## Commercial Context - **Starting Price**: $0.00 - **Pricing model**: Per User (Free version available) (Free Trial) - **Pricing Details**: Access credit lines from $1,000-$5M. Easily request funds, set budgets, and track spend using free software combined with corporate cards. - **Target Audience**: Self Employed, 2–10, 11–50, 51–200, 201–500, 501–1,000, 1,001–5,000, 5,001–10,000, 10,000+ - **Deployment & Platforms**: Cloud, SaaS, Web-based, Mac (Desktop), Windows (Desktop), Android (Mobile), iPhone (Mobile), iPad (Mobile) - **Supported Languages**: English - **Available Countries**: United States ## Features - Approval Process Control - Approval Workflow - Audit Trail - Booking Management - Budgeting/Forecasting - Cash Management - Categorization/Grouping - Client Management - Compliance Management - Consolidation/Roll-Up - Contact Database - Corporate Card - Dashboard Software - Data Import/Export - Document Management Software - Expense Tracking - Financial Analysis - General Ledger Software - Income & Balance Sheet - Mobile App - Mobile Payments - Mobile Receipt Upload - Multi-Currency - Online Booking - Payment Processing Software - Policy Management Software - Profit/Loss Statement - Project Tracking Software - Receipt Management - Reimbursement Management - Reminders - Reporting & Statistics - Reporting/Analytics - Restriction Management - Spend Analysis - Spend Control - Task Management Software - Third-Party Integrations - Time & Expense Tracking - Workflow Management Software ## Integrations (11 total) - Dynamics 365 Business Central - Gmail - HRIS - Lyft Business - NetSuite - QuickBooks Enterprise - QuickBooks Online - QuickBooks Online Advanced - Sage Intacct - Slack - Xero ## Support Options - Email/Help Desk - FAQs/Forum - Knowledge Base Software - Phone Support - 24/7 (Live rep) - Chat ## Category - [Expense Management Software](https://www.capterra.ae/directory/30559/expense-report/software) ## Related Categories - [Expense Management Software](https://www.capterra.ae/directory/30559/expense-report/software) - [Billing and Invoicing Software](https://www.capterra.ae/directory/30015/billing-and-invoicing/software) - [Travel Management Software](https://www.capterra.ae/directory/31057/travel-management/software) - [Financial Reporting Software](https://www.capterra.ae/directory/30050/financial-reporting/software) - [Time and Expense Software](https://www.capterra.ae/directory/30080/time-and-expense/software) ## Alternatives 1. [Xero](https://www.capterra.ae/software/169561/xero) — 4.4/5 (3306 reviews) 2. [QuickBooks Online](https://www.capterra.ae/software/141374/quickbooks-online) — 4.3/5 (8475 reviews) 3. [PayPal](https://www.capterra.ae/software/179251/paypal) — 4.6/5 (26501 reviews) 4. [Abby](https://www.capterra.ae/software/1036470/abby) — 4.7/5 (604 reviews) 5. [QuickBooks Enterprise](https://www.capterra.ae/software/46497/quickbooks-enterprise) — 4.5/5 (20658 reviews) ## Reviews ### "Use bill for your employees" — 5.0/5 > **Leah** | *3 July 2025* | Information Technology & Services | Recommendation rating: 10.0/10 > > **Pros**: It was a quick and easy process to start up. My job can load money and I can use the card the same day. > > **Cons**: I do not have anything bad or negative to say about the setup or use of the app and or card. Nothing I liked least. > > Overall it is an easy and quick way for my company to send money to me to complete my work. I would recommend for other companies to use bill. ----- ### "What about bill ?" — 3.0/5 > **Angela** | *5 May 2026* | Environmental Services | Recommendation rating: 6.0/10 > > **Pros**: well at first it was easy to use . It did invoices, allowed us to get paid, but then it started charging for trans actions and we lost a lot of money on one large deal. > > **Cons**: Contacting the customer service team was a pretty horrible experience no results. everything is out sourced which is even worse. > > overall i was very disappointed in the fact that I lost more money than the program was worth. Ithen had to try and get some it back from my customer. ----- ### "Terrible protection, abysmal service, avoid at all costs." — 1.0/5 > **Russell** | *6 December 2024* | Mechanical or Industrial Engineering | Recommendation rating: 0.0/10 > > **Pros**: Bill's software is fine. It can be confusing when switching between all the sites, but overall it does what you would expect. One exception: their fraud protection algorithm is worse than your average credit union’s. So you should only use Bill if you are sure you will never lose a credit card, never have one stolen, or never use your cards. ;) > > **Cons**: Bill's customer service is simply an abomination. They are impossible to contact, rude when you finally do, and literally illegal when they act. On top of this, the software is just not actually that great. We often hit hiccups with budgets not refilling, cards not working, frozen cards that cannot be unfrozen, and so on and so on. Their fraud protection is also abysmal. Your cards will basically never be shut off even if they are maxed out on repeat purchases at the apple store. Whereas any other card service would put a hold on the card and reach out to you for verification, Bill just lets it ride. Given that a typical company might have many cards in many places at once, this is particularly problematic. Overall, please avoid their services. > > Our overall experience with Bill was defined by one event which was handled so poorly and illegally that we feel like every potential customer should know. An employee’s locked car was broken into, and their credit cards were stolen. The thief took them and spent $1000 on the employee’s personal credit card before it was frozen but spent $36,000 on the company card without it ever being frozen. It was not until we called Bill that they even had any idea there was suspicious activity on the account despite the thief making repeat purchases at the apple store, expensive clothing stores, etc. that our company has zero history making purchases at. When the fraud claim was filed it was erroneously noted that the stolen card was still in the possession of the employee. While we attempted to correct this, Bill rejected the fraud claim and refused to appeal their decision. After months and months of talking with what must be everybody at the entire company, it is clear Bill has no intention of standing by their fraud policy and is looking for any trivial clerical error to reject the claim. Meanwhile, the employee’s tiny credit union, that apparently has a much better fraud protection algorithm than a $10B tech startup, refunded them the $1000 thirty minutes after they called to tell him he had suspicious activity on his account. This experience has been extremely damaging to our small business, but it would cost of more than the value of the loss to bring a lawsuit. Please avoid Bill as a service. ----- ### "Hidden Traps and Zero Warning A Financial Disaster for Small Businesses" — 1.0/5 > **Mark** | *16 May 2025* | Security & Investigations | Recommendation rating: 0.0/10 > > **Pros**: Honestly, very little. Initially, the idea of having a line of credit with built-in expense tracking seemed promising. But any potential benefits were completely overshadowed by poor communication, lack of transparency, and practices that put small businesses at serious financial risk. > > **Cons**: Their billing cycle is confusing and poorly communicated. I borrowed $13,000 to cover payroll, and just days later, they pulled the entire amount back from my business account without warning, sending my balance deep into the negative. There was no notice, no option to schedule repayment, and no transparency. This kind of unpredictable behavior is dangerous for any small business relying on stable cash flow. It felt predatory and completely negligent. > > My experience with BILL Spend \& Expense was disastrous. I was approved for a $24,000 line of credit and drew $13,000 to cover payroll, only to have the entire amount yanked from my bank account within days without any clear billing schedule or warning. This left my account severely overdrawn and put my business at serious financial risk. Their lack of communication, transparency, and consideration for how small businesses operate is unacceptable. I would never recommend this platform to any business owner who values stability, trust, and responsible financial practices. ----- ### "Best Expense App Out There" — 5.0/5 > **Chris** | *16 October 2025* | Sports | Recommendation rating: 10.0/10 > > **Pros**: I love how quickly expenses populate in the app/online. I have used other expense platforms that take several days to populate, which leads to missed expenses and reports. This software is quick and intuitive\! > > **Cons**: It would be very helpful if there were a favorites section for the type of expense that is incurred. It can be slightly annoying having to search each time for the new expense rather than from a list. > > It has been great. I believe this is a significant upgrade from other expense apps that I have used in other roles. It is easy to see how much budget there is on your company card, and I really appreciate how quickly they populate. ----- Page: 1 / 19\ Next: [Next page](https://www.capterra.ae/software/166905/divvy?page=2) ## Links - [View on Capterra](https://www.capterra.ae/software/166905/divvy) ## This page is available in the following languages | Locale | URL | | de | | | de-AT | | | de-CH | | | en | | | en-AE | | | en-AU | | | en-CA | | | en-GB | | | en-IE | | | en-IL | | | en-IN | | | en-NZ | | | en-SG | | | en-ZA | | | es | | | es-AR | | | es-CL | | | es-CO | | | es-CR | | | es-DO | | | es-EC | | | es-MX | | | es-PA | | | es-PE | | | fr | | | fr-BE | | | fr-CA | | | fr-LU | | | it | | | nl | | | nl-BE | | | pt | | | pt-PT | | ----- ## Structured Data