Ramp vs Bill Spend & Expense

Why businesses choose Ramp over Bill Spend & Expense

Bill Spend & Expense (formerly Divvy) is a budget-focused card account with limited controls and a complicated points system. Ramp is an all-in-one finance automation platform that gives you the control and visibility to scale from one to thousands of employees.

Ramp vs Bill Spend & Expense
50,000+ finance teams have saved millions of hours with Ramp.
notion
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notion
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notion
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Top 3 reasons leaders pick Ramp over Bill Spend & Expense

Consolidated Financial Automation Platform

A single platform that combines corporate cards, expense management, Bill Pay, procurement and Treasury. This eliminates fragmented stacks reducing admin burden and tool sprawl.

Automation & Ease of Use

Real-time card-native expense automation, auto-receipts, and fast onboarding significantly cut manual work and accelerate close. Ramp Agents act like autonomous, tireless reviewers, catching 15x more out-of-policy spend than non-AI alternatives and enforcing policy with 99% accuracy.

Best-in-Class Integrations

Deep, bi-directional QuickBooks, NetSuite, Sage Intacct, Workday, and Xero integrations drive error-free reconciliation and audit readiness compared to surface-level depth of integrations from alternative providers.

“Ramp is the only vendor that can service all of our employees across the globe in one unified system. They handle multiple currencies seamlessly, integrate with all of our accounting systems, and thanks to their customizable card and policy controls, we're compliant worldwide. ”

Brandon Zell

Chief Accounting Officer, Notion

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Why Ramp stands out among all corporate cards

Ramp isn't just a corporate card, it's a financial operations platform designed to save you more across every dollar spent. With cards, expenses, reimbursements, AP, and vendor management in one place, Ramp automates the manual work that slows teams down and integrates directly with your ERP and accounting tools to keep books clean and real-time.

$1B+

Saved by Ramp customers

22%

Faster close time

6,500 hours

Saved on manual expense reports

Time is money. Save both.