Expensify
Collect
$5.00 × 10 seats$50.00
× 12 months$600.00
Per year
$5.00 per person / mo
$600
Expensify vs BILL Spend & Expense (formerly Divvy)
Compare with for .
Expensify
62%
match · $600/yr
BILL Spend & Expense (formerly Divvy)
45%
match · quote
Expensify is the better fit.
It publishes its prices; the other needs a sales quote.
How we work out the matchWhat matters most?
Fine-tune
What you'd pay
Entry plan for 10 people, billed yearly where offered. Prices checked Oct 2026.
BILL Spend & Expense (formerly Divvy)
Sales quote
No public priceask sales
Per year
Quote
No public price
Expensify
From $5
G2 4.5 · 5,679 reviewsSmall businesses that mainly need receipt capture and employee reimbursements, want to keep their current cards, or cannot meet the cash requirements of Ramp or Brex.
vs
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.
Side by side
| Expensify | BILL Spend & Expense (formerly Divvy) | |
|---|---|---|
| Pricing | Collect $5/member/month (pay-per-use); Control from $18/member/month (annual) | $0 per user per month |
| G2 Rating | 4.5 (5,679 reviews) | 4.5 (2,240 reviews) |
| Best For | Small businesses that mainly need receipt capture and employee reimbursements, want to keep their current cards, or cannot meet the cash requirements of Ramp or Brex. | 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. |
Pros and cons
Expensify
Pros
- Flat $5 per member on Collect with no annual commitment
- Works with any company card; the Expensify Card is optional
- Expensify Card needs no credit check or personal guarantee
- Card available to businesses in the U.S., U.K. and several EU countries
Cons
- Collect bills every workspace member, not only active ones
- Control costs $18 to $36 per member unless most spend runs on the Expensify Card
- The 2% cash back tier needs more than $250,000 per month in card spend
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%
Related comparisons
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Emily RodriguezUpdated October 2026
Best Expense Management Software
Ramp is the best expense management software for most U.S. small businesses that qualify: its free plan covers cards, receipts, approvals, reimbursements and QuickBooks or Xero sync. Choose Brex for funded startups with global teams, or Expensify if you want to keep your current cards.
+2
Emily RodriguezUpdated October 2026Accounting & FinanceEmily RodriguezUpdated October 2026
Expensify alternatives
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
Emily RodriguezUpdated October 2026