Last verified 32 days ago·13 sources·Updated automatically
BILL Spend & Expense and Revolut Business compared across Company facts, Pricing, Card & limits, Rewards & cash back, Spend management, Security & compliance and Platform & integrations — every fact sourced and re-verified from each vendor's public material.
BILL Spend & Expense
Formerly Divvy — free corporate cards with real-time budgets and expense automation for small and mid-sized businesses.
London, United KingdomGlobal Group operating HQ in London. US entity (Revolut Technologies Inc.) is in New York, NY.
Employees
3.4kBILL Holdings total headcount (~3,350, mid-2026).
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Pricing
Starting Monthly Price (USD)
$0Free software; no subscription or per-user fees. Revenue via interchange.
$10Basic plan, $10/user/mo (US). No free plan in the US; Basic is the cheapest tier.
Paid Tier Price (USD/user/mo)
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$40Grow plan, $40/mo (US) — first step up from Basic, adds custom approvals, analytics, Business API.
Card & limits
Card Type
charge cardPay-in-full charge card, no revolving balance/APR.
debitUS cards are prepaid, drawn from the Revolut Business account balance.
Card Network
VisaBILL Divvy Card runs on Visa (tap-to-pay with Visa, Apple Pay, Google Pay).
Visa or MastercardUS prepaid cards offered on both Visa and Mastercard (Revolut Prepaid Visa / Revolut Prepaid Mastercard), issued by Lead Bank.
No Personal Guarantee
Underwritten on business financial health, not a personal guarantee.
Balance-funded prepaid/debit card — no personal guarantee or personal credit check; spend is limited to deposited funds.
Limit Basis
cash balance & revenueCredit line based on business financial health; $1,000-$5M range.
account balanceSpending is funded by and limited to the available Revolut Business account balance (prepaid/debit).
Virtual Cards
Unlimited physical and virtual cards with per-card limits/rules.
Up to 50 virtual cards per team member, issued instantly with per-card spend/category/country controls; usable in Apple/Google Pay.
No Foreign Transaction Fees
Foreign currency / cross-border fees may apply on international spend.
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Rewards & cash back
Rewards Model
tiered pointsPoints multipliers by category and payment frequency (up to 7x dining, 5x hotels, 2x software); redeemable for cash back.
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Spend management
Receipt Capture & Matching
Snap/text receipts; AI auto-matches them to transactions.
AI receipt capture (photo/email) with OCR auto-fill and auto-matching to transactions, up to 98% match accuracy. Expense add-on, extra cost on all plans.
Approval Workflows & Policies
Custom budgets, assigned card limits, and automated approval workflows.
Configurable spend policies/card controls on all plans; custom multi-step spend & expense approval workflows on Grow plan and above.
Employee Reimbursements
Out-of-pocket employee reimbursements built in.
Built-in out-of-pocket reimbursements with receipts and instant payouts, plus a mileage-claims tool. Part of the Expenses add-on (extra per-member fee).
Bill Pay / AP
Bill pay / AP is a separate BILL product (AP & AR), not part of Spend & Expense.
US: pay suppliers, vendors and subscriptions via virtual company cards. Dedicated Revolut BillPay / AP invoice payment is not confirmed for the US (appears only on UK/global pages).
Security & compliance
SOC 2
Annual SOC 2 Type II audit (also SOC 1).
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Platform & integrations
Accounting / ERP Sync
Native sync to QuickBooks, Xero, NetSuite, Sage Intacct.
Native sync to QuickBooks, Xero, NetSuite, Sage Intacct, FreeAgent, Dynamics 365 Business Central, Odoo, Zoho Books and more; on all plans.
Public API
API listed among platform features; public developer-doc URL not separately verified.
Public Business API (REST) for cards, transactions, payments; documented at developer.revolut.com. Available on Grow plan and above.
The verdict
BILL Spend & Expense
Best for free spend management with a credit line and rewards
The software is $0 with no per-user fee, versus Revolut's $10-$40/user/mo. It issues a charge card with a $1,000-$5M credit line set by business financials, not just deposited funds, and earns tiered points (up to 7x dining, 5x hotels). It also carries a SOC 2 Type II audit. Trade-off: foreign transaction fees apply, and bill pay/AP is a separate product.
Best for paying bills from balance with broad integrations
Revolut bundles supplier and subscription bill pay via virtual cards, which BILL keeps in a separate product, and syncs to a wider set of tools (NetSuite, Odoo, Zoho Books and more) plus Visa or Mastercard. Spend is debit, funded from and capped at account balance rather than a credit line. Costs $10-$40/user/mo, and its public API needs the $40 Grow plan.
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