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↳ BILL Spend & Expense (Divvy)
BILL Spend & Expense (formerly Divvy) is one of the two expense management platforms we actually recommend. It’s free, makes receipt matching + reconciliation automatic, and it’s typically easier to get approved for because there aren’t hard bank minimums like Ramp.
Buy on Efficient
You'll be taken to Efficient to complete your purchase.
Pros
- +No hard bank minimum requirements (easier approval)
- +Virtual + physical cards with strong control over spend
- +Auto-categorization and accounting sync reduces reconciliation work
- +Fraud isolation is easier because each vendor can have its own card
Cons
- -May be less optimized than Ramp for very large teams and subscription benchmarking
- -Some workflows may require the mobile app (vs texting a receipt)
