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Zoho Expense vs BILL Spend & Expense Comparison (2026)

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Good recommendations?

Zoho Expense

BILL Spend & Expense

Overview

Zoho Expense is a cloud-based software, designed to make your expense reporting effortless. Automate your expense recording and approval processes with ease.

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

/user

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

4.6

1.2K

820

369

Value for money

Ease of use

Features

Customer support

85%

would recommend this app

4.7

440

341

Value for money

Ease of use

Features

Customer support

90%

would recommend this app

Pros

“I like that I can just e-mail receipts in and the feature that highlights duplicates expenses helps me match the emailed receipt to the auto generated expense from the company credit card charge.”

Charlie A.

Owner

“The mobile app and receipt scanning features are particularly useful for employees who travel frequently. While there is room for improvement in OCR accuracy and advanced reporting customization, the software offers excellent value and a comprehensive feature set that meets the needs of most businesses.”

João A.

manager

“The receipt scanning feature is genuinely practical for day-to-day use, especially for on-site purchases, and the mobile app makes it easy to log expenses in real time instead of relying on memory later.”

Sasha-Gaye E.

Principal Designer

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

“The initial setup and configuration of compliance policies can feel a bit overwhelming and rigid for smaller teams.”

Kirti S.

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