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Apptivo vs Divvy (BILL Spend and Expense): 2026 Comparison

Apptivo Divvy (BILL Spend and Expense)
Overview A comprehensive suite of cloud business apps including CRM, project management, invoicing, and supply chain tools. A free expense management and corporate card platform now part of BILL with real-time budgeting and automated reporting.
Pricing Freemium (Free-$20/user/month) Free (Free (revenue from interchange))
Key Features
  • CRM
  • Project management
  • Invoicing
  • Supply chain
  • HR management
  • Custom apps
  • Email marketing
  • Procurement
  • Corporate cards
  • Real-time budgets
  • Expense management
  • Automated reporting
  • Receipt capture
  • Approval workflows
  • Virtual cards
  • Accounting sync
Pros
  • Very affordable
  • Comprehensive suite
  • Customizable
  • Good mobile app
  • Completely free
  • Real-time budgeting
  • Good approval workflows
  • Virtual cards
Cons
  • Interface can be confusing
  • Support response times
  • Less polished than competitors
  • Learning curve for full suite
  • BILL acquisition changes
  • Limited card rewards
  • Requires credit approval
  • US only

Apptivo

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Divvy (BILL Spend and Expense)

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