BILL Spend & Expense 2026: Benefits, Features & Pricing

I had an overall experience with Bill. It helped me manage my budget for my small business and saved me lots of time.

Bill has been great for management in our company with budgeting and tracking. We use it with QBO, DEXT and Divvy.

BILL as a whole is hostile architecture as an accounting/business "solution." It's such a shame because Divvy is actually a great product!

It has been great. I believe this is a significant upgrade from other expense apps that I have used in other roles. It is easy to see how much budget there is on your company card, and I really appreciate how quickly they populate.

They forced me into a subscription service that I did not want or need. I feel like they are a bad actor in a surprising way in this industry because they do not work with other accounting or bookeeping SaaS so it makes it impossible not to add them to my subscriptions and as a freelancer I do not have the ability to tolerate subscriptions that provide 0 value. They are charging me money for doing nothing other than holding my money hostage every month.

Spend and Expense is an absolute nightmare. I wish I never touched it. Between its terrible functionality to suddenly send cards to vendors instead of ACH payments (even after selecting this) and the slow and unhelpful customer support - it is single handedly ruining my business. I injected cash into my business, and then was using Bill to pay myself back. I selected ACH transfer from my bank - for 2 very big transactions. It draws the cash from my bank account like an ACH transaction (so I assumed it was going to work, but like Bill always does, I had to wait multiple days). Then my payment “comes in” as a credit card that I didn’t select both times! Oh, and my account was frozen because I didn’t know our first date to pay, and had a $38 balance. I paid that promptly and have been waiting for over a week and a half for it to be unfrozen. So I now have “prepaid” from my business account almost $20,000 toward cards I CAN’T EVEN USE. Meanwhile my bank account is out the money, and I personally am out $20,000. After multiple attempts to address it with Bill’s help center, which seems like they are talking to 10 different people - so communication is extremely slow…I have no resolution. They say they will “escalate it” or resolve it. I get an email saying they hope it’s been taken care of, but no solutions.

If my company goes under because my cash management solution is what blocked up all my cash, I am going to sue them. I cannot warn people enough to stay away from Spend and Expense. It is slow, clunky, bad customer service, unclear how things work before you sign up, and can ruin you.

Our overall experience with Bill was defined by one event which was handled so poorly and illegally that we feel like every potential customer should know. An employee’s locked car was broken into, and their credit cards were stolen. The thief took them and spent $1000 on the employee’s personal credit card before it was frozen but spent $36,000 on the company card without it ever being frozen. 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. After months and months of talking with what must be everybody at the entire company, it is clear Bill has no intention of standing by their fraud policy and is looking for any trivial clerical error to reject the claim. Meanwhile, the employee’s tiny credit union, that apparently has a much better fraud protection algorithm than a $10B tech startup, refunded them the $1000 thirty minutes after they called to tell him he had suspicious activity on his account. This experience has been extremely damaging to our small business, but it would cost of more than the value of the loss to bring a lawsuit. Please avoid Bill as a service.

My experience with BILL Spend & Expense was disastrous. I was approved for a $24,000 line of credit and drew $13,000 to cover payroll, only to have the entire amount yanked from my bank account within days without any clear billing schedule or warning. This left my account severely overdrawn and put my business at serious financial risk. Their lack of communication, transparency, and consideration for how small businesses operate is unacceptable. I would never recommend this platform to any business owner who values stability, trust, and responsible financial practices.

Let’s be honest—chasing down receipts is one of the most tedious parts of expense management. The fact that we still struggle to get people to submit them shows just how mundane and annoying this task can be for companies. That said, BILL has made this process about as simple and painless as it can be. The reminders are helpful without being overbearing. It’s clear that BILL understands how frustrating expense tracking can be, and they’ve streamlined the experience in a way that feels thoughtful and efficient. No system can completely eliminate human forgetfulness, but BILL definitely reduces the friction.