Corporate cards
Physical and virtual cards for every employee, vendor, or subscription — each with its own limit, merchant controls, and expiration rules.
Divvy is now BILL Spend & Expense
Divvy: the complete guide to the spend platform now known as BILL
Divvy built its name on corporate cards with real-time budget enforcement. Today it powers BILL Spend & Expense — the same philosophy, more automation, deeper controls. This guide walks you through everything: cards, login, budgets, receipts, and the rebrand itself.
Chapter 1 — Overview
What is Divvy?
Divvy is a spend management platform that pairs corporate cards with automated budget enforcement. Finance teams issue cards with precise limits, employees spend within guardrails, and every transaction is coded and reconciled automatically. Since joining BILL, the platform is called BILL Spend & Expense — but the engine under the hood is the one Divvy customers already trust.
Spend control instead of expense policing
Traditional expense management starts after the money is gone: receipts pile up, reports get chased, and policy violations surface weeks later. Divvy flipped the model. Limits are set before a card is issued, so overspending is blocked at the point of sale.
- Budget-first cards. Every card draws from a defined budget pool with a hard or soft limit.
- Instant visibility. Transactions appear in the dashboard the moment they are authorized.
- Automatic coding. Receipts and transactions are matched and categorized without spreadsheets.
- One source of truth. Finance, managers, and employees all see the same live numbers.
Chapter 2 — Core capabilities
What the platform actually does
Six building blocks cover the full lifecycle of business spend — from issuing a card to closing the books.
Budgets & limits
Allocate budgets by team, project, or category. Limits are enforced at the moment of purchase — not discovered at month end.
Receipt automation
Employees snap a photo; the platform reads the receipt, matches it to the transaction, and codes it to the right ledger account.
Approval workflows
Rules route exceptions to the right manager automatically. In-policy spend passes through without anyone touching it.
Reporting
Live dashboards replace static reports. Drill into categories, teams, vendors, or time ranges and export exactly what your accountant needs.
Integrations
Sync directly with QuickBooks, NetSuite, and the rest of your finance stack. No CSV exports, no double entry. See the integrations guide.
Chapter 3 — How it works
From signup to close in four steps
Create your workspace
Sign up, connect your bank, and invite your team. Most companies are live within a single afternoon.
Set budgets and issue cards
Define budget pools per department or project, then issue physical or virtual cards with precise limits.
Spend inside guardrails
Employees buy what they need; declines and alerts happen automatically when a limit would be exceeded.
Reconcile automatically
Receipts are captured, transactions are coded, and everything syncs to your accounting system.
Chapter 4 — Why teams switch
Built for finance, loved by employees
The numbers behind the platform Divvy created and BILL now operates.
2015Divvy founded in Salt Lake City
$25B+business spend managed annually
25k+companies on the platform
4.7/5average app-store rating
Hours back, every week
Automatic receipt matching and coding remove the manual chase that consumes finance teams at month end.
Zero-surprise spending
Because limits are enforced at authorization, the invoice at the end of the month never exceeds the budget.
Employees stay happy
No personal cards, no reimbursement forms. People spend on a company card and simply photograph the receipt.
Chapter 5 — The rebrand
Once Divvy, now BILL
In 2021, BILL Holdings acquired Divvy. The card, the limits, and the automation you knew stayed — the name and the ecosystem around them grew. Today, BILL Spend & Expense connects card spend with accounts payable, invoicing, and payments in one financial backbone.
Read the full rebrand story
Chapter 6 — FAQ
Divvy questions, answered
Is Divvy the same as BILL Spend & Expense?
Yes. Divvy was acquired by BILL Holdings in 2021 and was rebranded as BILL Spend & Expense. Existing accounts, cards, budgets, and transaction history moved to the new platform without interruption.
Does my Divvy card still work?
It does. Card numbers, limits, and merchant controls carried over unchanged. New cards arrive with BILL branding, but acceptance and behavior are identical.
How much does it cost?
The core platform — cards, budgets, receipt capture, and reporting — is free. Paid tiers unlock advanced approvals, deeper ERP integrations, and higher limits.
Where do I log in as a former Divvy user?
Use the BILL Spend & Expense sign-in page with your existing credentials. Our Divvy Login guide covers the portal, security settings, and the mobile app step by step.
Which accounting systems does it sync with?
QuickBooks Online, QuickBooks Desktop, NetSuite, and a growing list of payroll and productivity tools. Full details are in the integrations guide.
Master Divvy — now BILL Spend & Expense
Continue with the login walkthrough, explore the corporate card, or see how the rebrand affects your account.