BILL Spend & Expense (formerly Divvy)
Sales quote
No public priceask sales
Per year
Quote
No public price
BILL Spend & Expense (formerly Divvy) vs Zoho Expense
Compare with for .
BILL Spend & Expense (formerly Divvy)
45%
match · quote
Zoho Expense
72%
match · $360/yr
Zoho Expense is the better fit.
It publishes its prices; the other needs a sales quote.
How we work out the matchWhat matters most?
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What you'd pay
Entry plan for 10 people, billed yearly where offered. Prices checked Oct 2026.
Zoho Expense
Entry plan
$3.00 × 10 seats$30.00
× 12 months$360.00
Per year
$3.00 per person / mo
$360
BILL Spend & Expense (formerly Divvy)
From Custom
G2 4.5 · 2,240 reviewsSmall and midsize U.S. businesses that want free budget-based spend control and a credit line, especially if they already use BILL for payables.
vs
Zoho Expense
From $3Free plan
G2 4.5 · 1,551 reviewsSmall businesses on a tight budget, especially Zoho Books users, that want reports, reimbursements and card feeds without changing banks or cards.
Side by side
| BILL Spend & Expense (formerly Divvy) | Zoho Expense | |
|---|---|---|
| Pricing | $0 per user per month | Free for up to 3 users; paid from $3/user/month (billed annually) |
| G2 Rating | 4.5 (2,240 reviews) | 4.5 (1,551 reviews) |
| Best For | Small and midsize U.S. businesses that want free budget-based spend control and a credit line, especially if they already use BILL for payables. | Small businesses on a tight budget, especially Zoho Books users, that want reports, reimbursements and card feeds without changing banks or cards. |
Pros and cons
BILL Spend & Expense (formerly Divvy)
Pros
- No software fee and no card fees
- No published minimum bank balance; underwriting looks at the whole business
- Budget-first setup suits teams that think in departments and projects
- Pairs with BILL accounts payable if you already use it
Cons
- Rewards rules are complex: 12-month holding period and a 30% of credit line spend requirement
- BILL does not publish a full feature list per plan for Spend & Expense
- Paying invoices by card costs 2.9%
Zoho Expense
Pros
- Paid plans from $3 per user per month billed annually
- Free plan for up to 3 users
- No cash minimum or credit approval to use the software
- Monthly billing available with no contract
Cons
- Free plan caps receipt scans at 20 per user per month
- No corporate charge card or credit line like Ramp or Brex; the U.S. card option is prepaid
- No native NetSuite or Sage Intacct connector listed
Related comparisons
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Switch to Ramp if you want a free corporate card with receipts, reimbursements, travel and accounting sync built in. Stay with Expensify if your team likes SmartScan and you can put most spend on the Expensify Card.
+2
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