Is BILL Spend & Expense the same as Divvy?

Yes. Divvy was acquired by BILL and rebranded as BILL Spend & Expense; it's the same free corporate-card and budgeting platform under a new name.

Is Ramp or BILL Spend & Expense better?

Both are free, but Ramp is generally rated higher for automation, analytics, integrations, and user experience, while BILL appeals to teams that prefer its department-budget-first controls and BILL ecosystem.

Does BILL Spend & Expense include accounts payable?

Full accounts payable is a separate paid BILL product; the free Spend & Expense tool focuses on corporate cards and budgets. Airbase and Ramp include bill pay within their spend platforms.

What's the best BILL Spend & Expense alternative for a small team?

Ramp offers a free, more automated all-in-one option, while Expensify and Zoho Expense are good lower-touch choices for teams focused on receipts and reimbursements.

Which alternative is best for mid-market finance teams?

Airbase is the strongest fit for mid-market teams because it unifies cards, bill pay, procurement, and multi-step approvals in one platform.

BILL Spend & Expense Alternatives (2026): 8 Additional Options for Corporate Cards and Spend

BILL Spend & Expense (formerly Divvy) is a popular free spend-management platform built around budgets and virtual cards, and it appeals to SMBs that want to control department spending before it happens. Because there's no software fee, it's an easy first step into managed corporate cards.

Still, teams often bump into rough edges: analytics and reporting that lag rivals, an app experience carried over from Divvy that can feel clunky, and accounts payable living in a separate paid BILL product. If you want stronger automation, deeper reporting, or a more polished experience, these eight alternatives cover every direction.

TL;DR

BILL Spend & Expense is best for SMBs that want free cards with strong upfront budgets.
Ramp is the closest free rival and is widely rated higher on automation, analytics, and UX.
Brex adds banking and global support; Expensify and Zoho Expense suit receipt-first, lower-cost needs.
Airbase and Rippling Spend handle mid-market AP and HR-linked spend that BILL keeps separate.

Why look for a BILL Spend & Expense alternative?

Reporting and analytics are thinner than competitors like Ramp, making deeper spend analysis harder.
The app and interface, inherited from Divvy, can feel clunky and dated to some users.
Accounts payable is a separate paid BILL product, so true end-to-end AP isn't included in the free spend tool.
Credit-line sizing and qualification depend on your business profile, which can limit smaller teams.
Accounting integrations and automation aren't as deep as newer, more polished platforms.

BILL Spend & Expense alternatives at a glance

Tool	Starting price	Rating	Best for
Ramp	$15/mo	★ 4.8	SMBs that want a free platform with the strongest automation and analytics.
Brex	$12/mo	★ 4.8	Venture-backed startups wanting cards, banking, and global support.
Expensify	$5/mo	★ 4.5	Small teams focused on receipts and reimbursements on existing cards.
Airbase	Custom	★ 4.7	Mid-market finance teams needing integrated procurement and AP.
Zoho Expense	$4/mo	★ 4.5	Budget-conscious or international SMBs wanting cheap expense reporting.
Navan	Free	★ 4.7	Teams with heavy travel that want booking and expenses combined.
Rippling Spend	Corporate card is free; the Spend/expense software runs roughly $8 per user per month.	—	Companies on Rippling that want spend tied to HR and payroll.
Mercury	Free business banking and IO corporate card with no monthly fee.	—	Early-stage startups that want free banking and a corporate card.

1. Ramp

Best free alternative with superior automation

★ 4.8· G2$15/mo

What it does better than BILL Spend & Expense

Ramp is also free but is consistently rated higher on expense automation, analytics, accounting integrations, and overall user experience. It automatically categorizes spend and surfaces savings opportunities that BILL's reporting misses. Bill pay is built in rather than sold separately.

Where BILL Spend & Expense still wins

BILL Spend & Expense connects into the broader BILL ecosystem and its budget-first controls appeal to teams that plan spend by department.

Best for: SMBs that want a free platform with the strongest automation and analytics.

Visit Ramp Full review

2. Brex

Best for startups needing banking and global reach

★ 4.8· G2$12/mo

What it does better than BILL Spend & Expense

Brex bundles corporate cards, spend management, and business banking with support for international entities that BILL Spend & Expense doesn't offer. Its startup ecosystem, higher limits, and rewards suit fast-scaling companies. Real-time controls are robust.

Where BILL Spend & Expense still wins

Brex has stricter eligibility and is more platform than a budget-focused SMB may need, while BILL is free and easy to start.

Best for: Venture-backed startups wanting cards, banking, and global support.

Visit Brex Full review

3. Expensify

Best for receipt-first small teams

★ 4.5· G2$5/mo

What it does better than BILL Spend & Expense

Expensify centers on fast receipt scanning and expense reports and works with any card, so it's a simple fit for teams that mainly need reimbursement tracking. Its SmartScan OCR is quick and its app is approachable. It doesn't require adopting a new card program.

Where BILL Spend & Expense still wins

It lacks BILL's free corporate cards and proactive budget controls, and pricing can be less predictable.

Best for: Small teams focused on receipts and reimbursements on existing cards.

Visit Expensify Full review

4. Airbase

Best for mid-market procurement and AP

★ 4.7· G2Custom

What it does better than BILL Spend & Expense

Airbase unifies cards, bill pay, procurement, and multi-level approvals in one platform, giving mid-market finance teams the end-to-end AP that BILL splits into a separate product. Its procurement and vendor workflows are more mature. Everything reconciles centrally.

Where BILL Spend & Expense still wins

It uses custom enterprise pricing rather than being free, and it's heavier than most SMBs require.

Best for: Mid-market finance teams needing integrated procurement and AP.

Visit Airbase Full review

5. Zoho Expense

Best for affordable, global expense reporting

★ 4.5· G2$4/mo

What it does better than BILL Spend & Expense

Zoho Expense offers inexpensive, clean expense reporting with multi-currency support and works with existing cards, which helps internationally minded teams. It integrates tightly with the Zoho suite and common accounting tools. Approval and travel features are solid for the price.

Where BILL Spend & Expense still wins

It isn't a free corporate-card issuer and offers less proactive budget control than BILL.

Best for: Budget-conscious or international SMBs wanting cheap expense reporting.

Visit Zoho Expense Full review

6. Navan

Best for travel-heavy companies

★ 4.7· G2Free

What it does better than BILL Spend & Expense

Navan combines a mature corporate travel-booking engine with expense management, so travel spend reconciles automatically in ways BILL doesn't handle. Its travel policy controls and inventory are strong. The base platform is free.

Where BILL Spend & Expense still wins

For card-and-budget management without travel, BILL's free budgets are simpler and more direct.

Best for: Teams with heavy travel that want booking and expenses combined.

Visit Navan Full review

7. Rippling Spend

Best for HR-linked spend management

Corporate card is free; the Spend/expense software runs roughly $8 per user per month.

What it does better than BILL Spend & Expense

Rippling Spend ties cards, expenses, and bill pay to Rippling's HR and payroll data, so employee records and permissions stay in sync automatically. That unification cuts the manual roster upkeep BILL requires. It's a natural fit if you already run Rippling.

Where BILL Spend & Expense still wins

It requires the Rippling platform and paid modules, whereas BILL Spend & Expense is free to start.

Best for: Companies on Rippling that want spend tied to HR and payroll.

8. Mercury

Best for startups wanting banking plus cards

Free business banking and IO corporate card with no monthly fee.

What it does better than BILL Spend & Expense

Mercury offers free business banking with the IO corporate card and spend controls in one no-fee account, appealing to startups that want banking and cards together. There's no monthly fee and no personal guarantee for qualified startups. Setup is quick for early-stage teams.

Where BILL Spend & Expense still wins

Its budgeting and spend-management software is lighter than BILL's department-budget controls.

Best for: Early-stage startups that want free banking and a corporate card.

How to choose the right BILL Spend & Expense alternative

Choose Ramp if you want a free platform with the best automation, analytics, and built-in bill pay.
Choose Brex if you're a startup that needs banking, global entities, and higher limits.
Choose Expensify if you mainly need receipt capture and reimbursements on existing cards.
Choose Airbase if you're mid-market and need integrated procurement and accounts payable.
Choose Zoho Expense if you want affordable, international expense reporting or already use Zoho.
Choose Navan if your team travels a lot and wants booking plus expenses.
Choose Rippling Spend if you already run Rippling and want spend tied to HR and payroll.
Choose Mercury if you're an early-stage startup wanting free banking and a corporate card.

How we evaluated

Feature mapping — we compare each alternative's capabilities against the tool it's replacing, job for job.
Real pricing — starting prices come from each vendor's public pricing page, labeled by tier.
User sentiment — ratings and review counts are aggregated from third-party platforms (Capterra, G2) and shown with their source.
Right-sizing — we weigh which team size, budget, and technical comfort each option actually fits.
Independence — we don't sell a competing product, and affiliate relationships never change our picks.

Frequently asked questions

Is BILL Spend & Expense the same as Divvy?: Yes. Divvy was acquired by BILL and rebranded as BILL Spend & Expense; it's the same free corporate-card and budgeting platform under a new name.
Is Ramp or BILL Spend & Expense better?: Both are free, but Ramp is generally rated higher for automation, analytics, integrations, and user experience, while BILL appeals to teams that prefer its department-budget-first controls and BILL ecosystem.
Does BILL Spend & Expense include accounts payable?: Full accounts payable is a separate paid BILL product; the free Spend & Expense tool focuses on corporate cards and budgets. Airbase and Ramp include bill pay within their spend platforms.
What's the best BILL Spend & Expense alternative for a small team?: Ramp offers a free, more automated all-in-one option, while Expensify and Zoho Expense are good lower-touch choices for teams focused on receipts and reimbursements.
Which alternative is best for mid-market finance teams?: Airbase is the strongest fit for mid-market teams because it unifies cards, bill pay, procurement, and multi-step approvals in one platform.

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