BILL Spend & Expense vs Circula

SAP Concur

Expensify

Perk

Brex

N2F 

Flowers

Compare BILL Spend & Expense and Circula based on features, pricing, verified reviews, integrations & more on GetApp. Find out which software is best for your business in 2026.

The easiest way to do your expenses, travel, and corporate cards.

Brex is a finance platform that helps businesses control and manage spend. From corporate cards and banking to expense management and bill pay, it provides a comprehensive suite of tools to automate financial processes and improve the strategic impact of finance teams.

SAP Concur is a leading cloud-based spend management solution that helps small, medium, and large businesses automate and simplify expense reporting, travel booking, and invoice processing. It’s designed to give organizations better control over their business spend by integrating near real-time data and using AI to audit 100% of transactions.

BILL Spend & Expense (formerly Divvy) is the all-in-one expense management solution.

"What If" Scenarios

Access Controls/Permissions

Accounting

Accounting Integration

Activity Dashboard

Ad hoc Reporting

Alerts/Notifications

Approval Process Control

Approval Workflow

Audit Management

Audit Trail

Automated Receipt Matching

Bank Reconciliation

Billing Portal

Booking Management

Budget Control

Budgeting/Forecasting

Cash Flow Management

Cash Management

Categorization/Grouping

Client Management

Compliance Management

Configurable Workflow

Consolidation/Roll-Up

Contact Database

Corporate Card

Credit Card Management

Customizable Fields

Customizable Reports

Customizable Templates

Dashboard

Data Import/Export

Data Visualization

Document Management

Duplicate Detection

Electronic Payments

Employee Self Service

ERP integration

Expense Claims

Expense Tracking

Financial Analysis

Financial Management

Fixed Asset Management

For Accountants

Fraud Detection

General Ledger

Income & Balance Sheet

Invoice Creation

Invoice History

Mobile Access

Mobile App

Mobile Payments

Mobile Receipt Upload

Multi-Company

Multi-Currency

Online Booking

Online Invoicing

Online Payments

Payment Collection

Payment Processing

Policy Management

Prepaid Cards

Process/Workflow Automation

Profit/Loss Statement

Project Tracking

Purchasing & Receiving

QuickBooks Integration

Real-time Alerts

Real-Time Analytics

Real-Time Data

Real-Time Monitoring

Real-Time Notifications

Real-Time Reporting

Real-Time Updates

Receipt Management

Recurring/Subscription Billing

Reimbursement Management

Reminders

Reporting & Statistics

Reporting/Analytics

Restriction Management

Rules-Based Workflow

Search/Filter

Secure Data Storage

Self-Service Reporting

Single Sign On

Spend Analysis

Spend Control

Spend Management

SSL Security

Staff Management

Summary Reports

Task Management

Tax Management

Third-Party Integrations

Time & Expense Tracking

Time Tracking by Client

Time Tracking by Project

Timer

BILL Spend & Expense

Android

Web-based

Windows

iPad

iPhone

Divvy integrates with Quickbooks which is super helpful. Divvy rewards program fits our organization much better than previous rewards programs.

President

Very user friendly and the ability to track and capture departmental expenditures is excellent. Customer service is always available and very helpful when I call.

Stable, secure, and very intuitive app that helps you to track all the receipts. The ability to issue virtual cards.

Finance

Adoption was super easy, even for the people that didn't have the old software straight 2 years in. This has even made communications between regions and the National office more fun.

Accounting Manager

My overall experience with Divvy has been great. I appreciate the quick and upbeat support and the ease of use for the software itself.

Director of Sales and Support

I like the ability to manage budgets, easily make changes to employee accounts, quick on and offboarding. And the online chat help is really responsive and helpful.

We very frequently (more than once per week, have charges declined when paying our vendors. The ACH and Bill Pay process work very, badly.

Owner/Graphic Designer

I loved that before you even used the software you were walked through the entire program by one of their customer support representatives. It made it super easy to use and understand.

Facility Manager

I have been very happy with Divvy. The customer service, the simplicity of the system, the ability to budget are all been what we needed in an expense company credit card system.

Controller

It really has been the perfect fit for our company. I would highly recommend it to other companies who use company credit cards.

The only complaint I have at this point is that we cannot set limits for receipts.

A little hard to figure out how budgets and card limits and other maximums interact. What they also really need to add: vendor restriction.

SR Director of Finance

Budget Controls very good, reporting on users can be improved.

The time-save alone is worth it to us. The cash back and superb customer service is icing on the cake.

Senior Accounting Manager

Divvy - Always Great Service with an Excellent App.

Executive director

My favorite parts of the ability to create burner cards and virtual cards that I can give to interns or other people without having to give them my credit card to use.

Great free resource that provides spend tracking, budget management, and accounting software integration.

The only downside to the software is how long it takes to get a new or replacement card.

BILL Spend & Expense screenshot

BILL Spend & Expense screenshot: Mobile Wallet

BILL Spend & Expense screenshot: Budget Detail

BILL Spend & Expense screenshot: Insights

BILL Spend & Expense screenshot: Transactions

BILL Spend & Expense screenshot: Company Dashboard

Freelancers

Large Enterprises

Mid Size Business

Non Profit

Public Administrations

Small Business

N2F is a mobile expense report platform for freelancers to companies of any size and industry, which helps users manage their expenses from receipt to accounting. Employees can submit expenses while on the go, and the smart scan feature automatically completes expense reports.

Flowers is an all-in-one workflow automation and resource management solution designed to streamline operations, reduce costs, and provide unparalleled visibility. Build custom workflows, manage resources, and gain real-time insights to revolutionize your business processes with ease and flexibility.

Automate expenses, bookings, and payments with Perk — one platform that simplifies spend and gives finance teams real-time control.

Circula is an expense management and benefits administration software, that focuses strongly on the best possible user experience and guarantees compliance with European law standards.

Activity Tracking

Benefits Dashboard

Invoice Management

Invoice Processing

Mileage Tracking

Online Benefits Enrollment

User Management

Workflow Management

Circula

Strategic Operations Specialist

It is very easy and efficient  to use. I love the photo recognition that helps all my receipt data uploaded.

Working Student Business Development

I like that uploading receipts goes super fast and easy. The automatic recognition of invocie data is a nice feature.

Specialist Recruiting & HR

I like that it is very user friendly and intuitive. Using it on a daily basis for the daily meal benefit it really makes a difference by being so simple to use.

Accountant

The product is very effective in expenses management and seamlessly integrates with internal systems.

I like the Circula employees most about the software: The customer service of Circula replies very fast and in a very friendly and professional way.

Product Manager

Overall I enjoy using Circula and it provides the best user experience of the tools I have used so far (SAP and WorkDay).

Technology Consultant

Great Tool for Company benefits and Travel cost Management.

AML Analyst

Maybe the problem is my old phone but sometimes the receipts uploaded loose lot of quality.

Data Manager

Excellent integration with the German expense management system: correct calculation of the per diem is a big plus compared to most competitors.

Managing Director

Awesome product that makes the expense management process much more efficient.

VP Finance

The customer service is really really good and quick. Always every question/issue we have is solved within 24 hours max.

Warehouse Operations Manager

I like the simplicity of creating a single trip, where I can upload different invoices and get a overview of total money spent on the entire trip.

Circula is an easy to use software to file expenses. I like the mobile app and how it plays together with the webapp.

The cause was them trying to register without having received an invite from another user / admin. This path leads to a dead end.

VP Sales&Marketing

Circula - surprisingly easy to use for a topic like expenses.

Senior Internal Operations Manager

Happy to use Circula - it makes the life at work easier for Admin also for users.

iOS Developer

The user-friendly interface and streamlined process saved us a lot of time and hassle. The only downside was the lack of integration with our accounting system, but it was manageable.

BILL Spend & Expense vs Circula Comparison (2026)

BILL Spend & Expense

Circula

Overview

Video & Screenshots

Pricing

User reviews

Key features

Integrations

Alternatives