Comparison
BILL Spend & Expense (Divvy) vs Spendesk
A side-by-side look at BILL Spend & Expense (Divvy) and Spendesk — 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.
Spendesk
The 7-in-1 spend management platform for finance teams.
Spendesk unifies corporate cards, invoice payments, expense claims, approval workflows, budgets and pre-accounting — purpose-built for European mid-market finance teams.
Side-by-side
| Spec | BILL Spend & Expense (Divvy) | Spendesk |
|---|---|---|
| Tagline | Free spend management with corporate cards. | The 7-in-1 spend management platform for finance teams. |
| Headquarters | San Jose, USA | Paris, France |
| Founded | 2016 | 2016 |
| Regions | US | EU, UK |
| Card type | Visa charge | Prepaid + credit (FR market) |
| Pricing | Free. | Custom pricing based on users and modules. |
| Rewards | Up to 7x rewards based on payment frequency. | — |
| Best for | SMBs, Mid-market, BILL customers | Mid-market, Multi-entity European groups, Finance teams that need approval workflows |
| Integrations | QuickBooks, Xero, NetSuite, Sage Intacct | Datev, Netsuite, Xero, QuickBooks, Sage, Cegid |
BILL Spend & Expense (Divvy): pros & cons
- Truly free
- Pairs with BILL AP
- UI dated vs Ramp/Brex
Spendesk: pros & cons
- Workflow depth
- European compliance built-in
- Banking license (Spendesk Financial Services)
- Opaque pricing
- Heavier than Pleo for small teams