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

Bench Divvy (BILL Spend and Expense)
Overview An online bookkeeping service combining proprietary software with human bookkeepers for small business accounting. A free expense management and corporate card platform now part of BILL with real-time budgeting and automated reporting.
Pricing Subscription ($299-$499/month) Free (Free (revenue from interchange))
Key Features
  • Dedicated bookkeeper
  • Monthly financial statements
  • Tax-ready financials
  • Catch-up bookkeeping
  • Year-end tax package
  • Dashboard
  • Income and expense overview
  • 1099 contractors
  • Corporate cards
  • Real-time budgets
  • Expense management
  • Automated reporting
  • Receipt capture
  • Approval workflows
  • Virtual cards
  • Accounting sync
Pros
  • Human bookkeeper included
  • Tax-ready financials
  • Hands-off approach
  • Clean dashboard
  • Completely free
  • Real-time budgeting
  • Good approval workflows
  • Virtual cards
Cons
  • Expensive
  • Limited to bookkeeping
  • No invoicing
  • US only
  • BILL acquisition changes
  • Limited card rewards
  • Requires credit approval
  • US only

Bench

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Divvy (BILL Spend and Expense)

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