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

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 liked the idea of using the app and making expense re-imbursements easier for the employees.

Cons

Unfortunately, the execution has been a nightmare! People cannot log in, the managers cannot see the details of what the expense is for. Employees have to wait over 2 weeks to get their money. There are not enough approval levels for our company policies. And don't even get me started on the customer service! Half the time they cannot even understand English. Even if they understand what you are saying, they have no idea how to fix it!

Alternatives Considered

SAP Concur

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

We were already buying bill.com for AP. The payables side has been great. My only complaint about that is that there is no customer service number. You have to wait for them to call you back at their convenience like I have time to sit around waiting for a phone call. They usually call when I am in another meeting so it takes hours to get simple questions answered.

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 Accounts Payable & Receivable 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

The app and platform are so intuitive and easy to use. I am amazed at how difficult our life was before Divvy and so grateful we made the switch.

Cons

I haven't come up with anything yet. So far everything works great.

Pros

I love how easy it is to use Divvy. It has significantly reduced the time to close the books at month end. We used to have to wait at least a week just to reconcile credit card transactions, but with Divvy, it only takes one to two days. The team at Divvy has been extremely receptive to our feedback and providing the best customer experience possible.

Cons

The software is constantly evolving as we and other gives feedback (this is a good thing), but there doesn’t seem to be one clear cut path of best practices with Divvy.

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

Divvy is a fantastic solution. We have been using it for 4 years and it not only saves our travelers and admin team time each month, but we feel it saves us from unnecessary spend each month. We are heavy users of Divvy with over 40 active users. We also manage all of our business software subscriptions via the virtual card solution that Divvy offers. This provides us greater visibility into spend and keeps it organized in one place. It also prevents fraud when using the virtual card solution. And come month end we easily integrate Divvy activity into our financial close in a matter of minutes. I highly recommend Divvy for companies of all sizes. It is truly a transformational expenses/card management solution that is light years ahead of the way it use to be done.

Cons

I've been pushing for a global solution with multi-entities so we can roll out to our UK and Canadian teams. No solution offers that at this time but hoping Divvy is the first as we would likely use it.

Pros

Divvy has been great for our organization. We have been able to move away from reimbursements and have been able to give spending flexibility to everyone within our organization. We love being able to give every employee a card, but not having to worry that they are going to overspend. And possibly, one of my favorite features of any software ever is the ability to create virtual cards (both for subscriptions and burner cards for one time purchases). Its nice to know that I can cancel a virtual card and not have it affect other vendor payments.

Cons

There is a little bit of a lack of hierarchy available (like an administrator over certain budgets only) and a lack of flexibility with paying down our account (holds placed on account effectively freezing our cards) but other than that, it has been great!

Pros

Divvy has made it possible for my business to expand as quickly as I need it to without the burden of cost. A great rewards program is the cherry on top of what is a tremendous service that I plan on never leaving.

Cons

The site breaks on rare occasion. This usually only requires a refresh of the browser, but can still be inconvenient.

Alternatives Considered

PEX

Reasons for Choosing BILL Spend & Expense (Formerly Divvy)

Repeated server problems prevented business flow.

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

Cost.

Pros

What I liked the most about this application is the ease and convenience it offers when it comes to managing business expenses. Using his credit card and intuitive software, he was able to automate the entire process of expense reporting, budgeting, and reimbursement. I no longer have to deal with mountains of receipts and endless spreadsheets, now everything is automatically recorded and organized.

Cons

Although in general I loved the experience with this platform, there is one aspect that could be improved. Sometimes I have experienced some technical difficulties with the software, such as platform errors or delays in loading information. Although these problems are not frequent and the support team has always been attentive and quick to solve any problem.

Pros

This product has a lot of really deep integrations for accounting software and the app is very good

Cons

its not a credit card and the billing practices prior to bill.com taking over were questionable at best. it does take a lot of work to setup all the integrations and workflows.

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 Cost & more efficiency - I was able to reduce organizational expenses by over $20,000 annually AND increase efficiency , transparency in the budget process, and give visibility to department leaders on real-time spending.
The customer support has been fantastic.
Fraud controls and prevention have been fantastic - we have been able to quickly isolate and stop attempted fraud, either by our user or notification from the Divvy team.

Cons

I would like the ability to organize budgets in a more hierarchical way, so that Department leaders can start with their overall budget and drill down into sub-budgets.

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

Can lock down most cards and control what they purchase

Cons

Export to Quickbooks doesn't always export correctly and guys in field have to activate things when it would be nice if the office could do it.

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

They have some of the best and friendliest customer service I have ever experienced. We have had to live chat several times and they always impress me with their professional and personal approach to business. They have yet to not answer fully a question I have had. Their service makes keeping up with our trips so easy we wish we could go again lol!!! Ever since using them we haven't had to track down a single receipt or itemize any of our expenses it does it for us. Best software I've had the pleasure of using in quite awhile.

Cons

I have had no issues with them. Great customer service!!

Pros

Receipt capture, spend is immediately available, virtual cards

Cons

The rewards has a requirement to spend 30% of available limit to receive the reward. This could be done away with. Also the rewards should have more value if using as a statement credit or cash back.