Comparison
BILL Spend & Expense (Divvy) vs Pleo
A side-by-side look at BILL Spend & Expense (Divvy) and Pleo — pricing, regions, integrations, pros and cons. Use the recommender if you'd rather have an AI pick for you.
BILL Spend & Expense (Divvy)
Free spend management with corporate cards.
Formerly Divvy, BILL Spend & Expense is a free spend management platform with corporate cards, budgets and rewards — part of BILL's AP/AR ecosystem.
Pleo
Smart company cards for European teams.
Pleo is Europe's leading spend management platform, pairing physical and virtual cards with automated expense reports, invoice management and accounting integrations across 30+ EU/UK markets.
Side-by-side
| Spec | BILL Spend & Expense (Divvy) | Pleo |
|---|---|---|
| Tagline | Free spend management with corporate cards. | Smart company cards for European teams. |
| Headquarters | San Jose, USA | Copenhagen, Denmark |
| Founded | 2016 | 2015 |
| Regions | US | EU, UK |
| Card type | Visa charge | Prepaid + credit (market dependent) |
| Pricing | Free. | Starter free up to 3 users; Essential €45/mo; Advanced €89/mo; Beyond custom. |
| Rewards | Up to 7x rewards based on payment frequency. | 1% cashback on Advanced+ in select markets. |
| Best for | SMBs, Mid-market, BILL customers | European SMBs, Distributed teams, Companies using Xero/QuickBooks EU |
| Integrations | QuickBooks, Xero, NetSuite, Sage Intacct | Xero, QuickBooks, Sage, Datev, Economic, Visma |
BILL Spend & Expense (Divvy): pros & cons
- Truly free
- Pairs with BILL AP
- UI dated vs Ramp/Brex
Pleo: pros & cons
- Strong European footprint
- Best-in-class UX
- Local accounting integrations
- Per-user pricing adds up
- Limited US presence