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BILL Spend & Expense vs Ramp Comparison (2026)

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Good recommendations?

BILL Spend & Expense

Ramp

Overview

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

Ramp is a modern corporate card with intuitive software, built to help you grow efficiently. Block out-of-policy transactions before they happen, automate busywork, and manage payments from one place. Get real-time spend reporting & in-depth savings insights to plan strategically for tomorrow.

Platforms supported

Web-based
iPhone app
Android app
Windows Phone app

Typical customers

Freelancers
Small businesses
Mid size businesses
Large enterprises

Customer support

Phone
Online
Knowledge base
Video tutorials

view more detailsview details

Platforms supported

Web-based
iPhone app
Android app
Windows Phone app

Typical customers

Freelancers
Small businesses
Mid size businesses
Large enterprises

Customer support

Phone
Online
Knowledge base
Video tutorials

view more detailsview details

Video & Screenshots

Pricing

Starting from

No pricing info

Free trial available
Credit cardless trial
Free account
Subscription based

Starting from

/user

Per month

Free trial available
Credit cardless trial
Free account
Subscription based

User reviews

4.7

440

341

Value for money

Ease of use

Features

Customer support

90%

would recommend this app

4.9

223

201

Value for money

Ease of use

Features

Customer support

95%

would recommend this app

Pros

“It allows me to easily record things like mileage and meal costs while I’m on the go, without having to keep up with paper receipts or wait until the end of the trip.”

Jennifer R.

Teacher

“A solid, secure tool for expense management, but it needs more modern AI features to truly shine over its competitors.”

Jaxton B.

Financial Controller

“Wish it offered a non-web-based version for offline use and greater flexibility with local access, slows down performance”

Steve L.

President

Pros

“I really like the fact that I don't even need to carry a card around with me, and I can freely spend money I need for work, such as app subscriptions like Claude and Whispr Flow, buying books with my educational stipend, etc.”

Mat B.

Senior Engineer

“Its main benefits include reduced time required for closing monthly balance and absence of need for controlling expenses because of set limits.”

Eri D.

Founder

“The ability to monitor expenses for each employee and set spending limits is also invaluable.”

Jill F.

Assistant Project Manager

Cons

“It will still send a credit card - which in most cases is not how people want to get paid. If 5 happens to you (where you select to pay via ACH from your bank instead of a virtual card) your bank account will STILL pay for it like a prepayment to your LOC (stupid). If your account is frozen - you can't even use those funds anyway. If you reach out to customer support - you will chat with someone who is extremely unresponsive and feels like they are talking to 10 other people.”

Bradyn M.

CEO

“It was not until we called Bill that they even had any idea there was suspicious activity on the account despite the thief making repeat purchases at the apple store, expensive clothing stores, etc. that our company has zero history making purchases at. When the fraud claim was filed it was erroneously noted that the stolen card was still in the possession of the employee. While we attempted to correct this, Bill rejected the fraud claim and refused to appeal their decision.”

Russell G.

CTO

“Software - creating budgets and getting cards to people is pretty simple but in the past 30-60 days the software has started to manifest some bugs.”

Jake J.

Pastor

Cons

“Theres not a whole lot to not like some of the pre built permissions arent the best or the most accurate for permissions needed.”

Hillel G.

Director of Implementation

“One of the only struggles that we've had is keeping up with changes to the system. Where to find things is continuously moving and while the system does a decent job of informing us, sometimes it is challenging to find where certain actions have changed (sometimes things have been renamed, other times an action has moved to a different subcategory in the menu bar).”

Zachary B.

Director of Finance

“Sometimes, when I can't remember if i've submitted a receipt for reimbursement, searching through long lists of my expenses means it is hard to find if a receipt is in there or not.”

Robin K.

Executive Assistant