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Wave vs BILL Spend & Expense Comparison (2026)

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Wave

BILL Spend & Expense

Overview

With Wave's comprehensive, free and unlimited invoicing tools, you can send invoices, keep track of who owes what, send reminders and more.

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

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

Per month

Free trial available
Credit cardless trial
Free account
Subscription based

Starting from

No pricing info

Free trial available
Credit cardless trial
Free account
Subscription based

User reviews

4.4

1.7K

451

107

Value for money

Ease of use

Features

Customer support

78%

would recommend this app

4.7

440

341

Value for money

Ease of use

Features

Customer support

90%

would recommend this app

Pros

“It helps save time with daily bookkeeping tasks, invoicing, and tracking payments. While it may not have all the advanced features of bigger platforms, it works well for basic business accounting needs.”

Sai T.

Construction Project Manager

“The starter edition is free which is awesome, you are able to process payroll, invoice clients and perform monthly accounting at no cost. ”

Tim O.

Partner

“Easy to input information and create my own financial Reports, and my accountant has no issues with importing my entries over for his own purposes to prepare my company’s yearly Return”

Joseph L.

Principal

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

“Spend & Expense allows me to manage all credit cards for the entire agency from one portal. ”

Abigail P.

Manager, Accounts Payable

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

Jaxton B.

Financial Controller

Cons

“My customer paid by ACH/bank payment through Wave, the funds were withdrawn from the customer, and then Wave refused to release the payment to my business account because they claimed they could not verify my business.”

emir k.

Principal

“I tried to recommend my friend to use Wave but they were unable to sign-up as my friend works in healthcare, and there were some data storage restriction due to HIPAA and Wave's data policies, which prevented the registration to continue.”

Salina T.

Owner

“The main thing I don't like about Wave is that they don't use standardized "GAAP terminology" for some of their financial management and reporting features. While this may make it more accessible to a certain user base, it actually makes it a bit confusing for me (who has a bit of formal CPA / accounting training).”

Aaron C.

Founder and CEO

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

“As a result, our reconciling was a mess because all charges were being paid only by one entity. ”

Abigail P.

Manager, Accounts Payable