BILL Spend & Expense (Divvy)

• Free

Last verified 5 Sep 2026

4.8 29213 ratings · App Store

1. 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

2. 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

3. 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

4. 1/5Be Prepared to do a lot of work…

   This app could be so much better. It’s not easy to move around funds and requires a lot of time and patience to understand. Although they do have a team to help you for support, the worst part is that the support people are not always the same person for one issue. I’ve spent countless hours going through multiple support reps trying to help with problems just to never get the problem fixed. I would start with one person and ended up going through 4 others before someone could explain what was going on. Also when transferring money to Divvy, the process can be very challenging if your bank is not one that offers the wire instructions as divvy suggests. My payments were lost in Finanfe multiple times and took weeks to get the funds to the account after emailing the support team and then… of course 15 people took on my case while passing it to the next person because they couldn’t assist me in any way.

   WWIILegend · 5 Sep 2026

5. 3/5The days to process payment are way too long!

   I think the concept is really great. I like being able to manage and divvy money to my team. Track their spending and the feature that allows them to have their own spend card, upload receipts, contact divvy for support questions and request more funds on the app are all great. My issue is that they gave me a very limited budget. My team spends money quickly so I pay the accrued immediately when it is spent in order to have more available funds but it takes it takes more than Five business days for the payment to process unless I do a wire which costs me fees. That is a very long time to wait and a major issue I have with me being able to fully utilize the app. It takes four months to even request additional budget or credit limit. Hopefully they work on faster payment processing times or options to have instant funds available if we pay the balance.

   ladymimi22 · 5 Sep 2026

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