BILL Spend & Expense (Divvy)

• Free

Last verified 5 Sep 2026

4.8 29213 ratings · App Store

1. 1/5West Capital: Ever since the name change merger, problems

   If I could give a "No-Star" I would. I have never dealt with representatives who could honestly care less about customer appreciation or retention. I had an account with them for over a year in incredible standing on a $5,000 credit line. Never running over or even near the limit, and because of one issue with a Chase Bank account not making the last payment (account was moved and the timing affected the payment) The "team" at Bill/formerly Divvy put a freeze on the account and informed me after running circles for weeks to reach an actual representative; their "decision" was to essentially NOT make a decision amd keep the account in a limbo so to speak where the funds were in total good standing but could not be used and as per their words: "we don't know nor can we tell you when that would be reversed, just wait." I was informed further that "An analysis of the account would be performed Everyday, again with no answer as to when it would conclude, until the account wasn't frozen anymore." To which I asked what are they reviewing everyday that would or could be different if the account is not able to be used? to which I was told "representatives don't know and so I cannot tell you, okay??" RUDE, unhelpful, TYPICAL company who treats customers with good standing as disposable when they advertise that they are for the little guys in business. It is unfortunate mostly because the organization of the spend and expense portion of the account is very helpful when making and tracking purchases BUT I am not gutted about it because it is nothing my Brex, Amp or even quickbooks cannot do and BETTER. Will be closing the account aftuer this review. STAY AWAY if you require a steadfast, helpful and caring, reliable customer service in your spend and expense partner in business!

   Sven Larsson86 · 5 Sep 2026

2. 1/5Beware of fees. App is trash 🗑️

   I’m sure they’ll say “you agreed to these fees” but that doesn’t disregard the fact that their fees are outrageous. I had an issue with my car so the payment didn’t go through. Owed amount went from $86 to $196 due to $114 in fees. Beware of the fees!! ———————————————- UPDATE 2: they left the most basic customer service response ever asking me to call their support number. Wouldn’t recommend them to my worst enemy. They tacked on another $40 in fees. I paid what I owe and now it’s back up to $150+ in fees. I called the “suggested number” and it goes straight to voicemail. This company is a scam. I wouldn’t use their service to pay for water. I’m shocked Apple allows them to have an app. Most of their good reviews are from before being acquired. It appears they are on a downward spiral. Listen to the negative reviews. Protect your business and your best interests. Do not trust this institution. ———————————————- Update 3: I guess my review caused some problems. They left a much more detailed CANNED message asking me to update my review. “If you are willing to update your review to include your business name or a past case number we can have someone from our Leadership team reach out to you directly." The damage has been done. This company is by far the worst company I’ve EVER used for my business. Their app is trash and not easy to navigate. Their hidden fees are outrageous. If you care about your business, do not use Bill. Find a more established company.

   D. Marshall · 5 Sep 2026

3. 2/5Cumbersome and slow to act.

   Beta test gone bad. Disappointed with spend and expense. It’s cumbersome IMO. The bank card piece isn’t awesome. Not comfortable with the customer service queue as it relates to basic transaction inquiries. One example is the effort it took/is taking to reverse a duplicate payment made on the account. Feels like a small business would be better off working with a bank card directly rather than what seems like a tech company that wraps around a bank card product. I’ve had a couple of customer service inquiries relating to cash debit/credits to the account and was left feeling hung out with no resolution for days. Verbose, redundant communication and tickets don’t count as customer service. Sorry, but if I carry a bank card I expect my card holder to credit my account immediately if a foul transaction occurs rather than hanging me out to dry for days. Hours spent trying to stay on top of a simple matter is not a good use of any owners time.

   Small Business Success · 5 Sep 2026

4. 2/5Broken process...

   I have had Divvy for a few months, and ran over 100k through their services. I had a bank mishap over the holidays, and I was doing all I could to make sure they got their funds paid back. So to be clear it was not Divvy's fault at the beginning. But now I have 39k over paid funds to this acct from Dec. 28th and my over funds were to be returned to me. Which on the app it's states 5-7 bus days. No problem, It's now Jan 13th and still no funds. An to add to this, I was told ohh don't worry you won't have to make this months payment. Because we are holding more than your current balance, and we will just send you the rest. So, your telling me your holding my 39k of funds for 2 weeks and then only sending back my current balance so I don't have to pay in a few weeks? Should I be charging interest? I believe, I will have to get legal involved. Service here started out great, but faltered at the end and with the results.

   DgomezPro · 5 Sep 2026

5. 2/5Lots of headaches for something that should be simple

   The value proposition of Divvy is nice on paper, but the way things are setup makes actually paying for stuff 10x harder than it needs to be. Budgets have people and people have funds within each budget. You can't share a budget with multiple people; each person must have a specific amount of the assigned funds given to them. Because of this, if you want to buy something, you have to have enough funds assigned to you in one budget. If you don't have enough funds well... Good luck. You have to go into the budget, determine how much is available because the calculations in the app are usually inaccurate or don't make any sense, remove allocated funds from someone else (if they have enough) or increase the size of the budget. Then restart the app so the new budget is updated and assign the new amount to yourself (good luck if budget is recurring). If you made it that far, you can finally put in your credit card number (that you can't see in the app for some reason) and pray that you did everything right so you can pay for lunch.

   MitchyMitch8 · 5 Sep 2026

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