BILL Spend & Expense

BILL Spend & Expense (formerly Divvy) is a free spend and expense management platform that combines corporate cards, real-time budgeting, and expense management to help businesses control and track spending, monetized through card interchange rather than subscription fees. Its free model makes issuing cards and managing spend accessible to businesses of all sizes.

The platform lets companies issue corporate cards, set budgets and spending limits for individuals and projects, manage funds in real time, capture and categorize expenses, and sync with accounting tools like QuickBooks. Part of BILL, it connects with BILL's accounts payable capabilities for a broader financial operations picture, all at no subscription cost.

BILL Spend & Expense is completely free (0 dollars per month, even for a single user), with the business making money through interchange revenue on card transactions instead of per-user pricing - which lowers the barrier to issuing cards broadly across an organization. Aimed at businesses of all sizes wanting free spend management, it competes with Ramp, Brex, Expensify, Airbase, and Payhawk.