5 BILL Spend & Expense Alternatives For Startups in 2025

BILL Spend & Expense combines a powerful company card with expense management software to streamline reporting and give users more control over their spending. It offers features like business credit, budget management, a mobile app, virtual cards, and rewards.

However, BILL Spend & Expense doesn’t fit all companies’ needs, and some businesses find it lacking in essential features or flexibility. If you’re looking for a better fit, we’ve rounded up five top alternatives—Rho, Navan, Expensify, Fyle, Center—each offering unique advantages to meet different business requirements.

5 Alternatives to BILL Spend & Expense

1) Overall Pick: Rho

At Rho, we are dedicated to providing a seamless business banking and spend management platform tailored for founders and finance teams. Our mission is to support your journey from vision to venture, ensuring you have the financial tools needed to succeed at every stage.

Rho Key Features

• Rho Platinum: Offers up to 2% cashback¹ on all purchases made using Rho's banking and card services.
• Rho Bill Pay: Allows businesses to pay hundreds of vendors in minutes with zero platform fees.
• Expense Management: Eliminates the need for traditional expense reports by capturing every receipt automatically.
• Rho Treasury: Safeguards idle cash and provides a dynamic yield on investments.
• Integration Capabilities: Directly integrates with accounting, HR, and T&E software for seamless financial management.
• Rho Partner Portal: A specialized version of Rho designed for world-class accounting partners to streamline their processes.
• Private Banking Support: Provides award-winning, 24/7 customer support to ensure all financial needs are met promptly.

Unlike BILL Spend & Expense, which focuses heavily on expense management, Rho offers a more comprehensive suite of financial tools, including treasury management and advanced AP automation, making it a more versatile choice for businesses looking to streamline their financial operations.

Rho Pricing

We offer a straightforward and transparent pricing structure designed to save you money. Many of our core services are free to use, making it easy to manage your finances without worrying about hidden costs.

• $0 Same-Day ACH fees: No fees for same-day ACH transactions.
• $0 Wire fees: No fees for wire transfers, except for international wires which may incur additional fees.
• $0 Monthly plans: No monthly subscription fees for accessing Rho's services.
• $0 Support fees: Free live support from day one without any additional charges.
• $0 Subscription fees: No subscription fees for using Rho's platform.
• $0 Checking account minimum fees: No minimum balance fees for checking accounts.
• $0 Connected, in-platform capabilities: Free access to AP, Expense, and Accounting Automation features.
• $0 Per-user fees: No fees per user for accessing the platform.
• 1% Foreign currency transfer: A 1% fee on foreign currency transfers.

You can find all the details about our pricing here.

Why Users Prefer Rho

Don’t just take our word for it—hear directly from Rho’s customers. Here’s what real users have to say about why they prefer Rho over other solutions:

• "Rho offers our users a one-touch experience for reporting company expenses on a corporate card." (Tyler M., Chief Financial Officer)
• "From day one, using Rho has been simple and straightforward." (Kevin K., Director of Marketing and Analytics)
• "They allow a single person to take care of the entire company's finances quickly - everything from checking account, AP, expenses, to treasuries." (Verified User in Biotechnology)

Want a firsthand look at Rho? You can request a free demo here.

For more user reviews, visit Rho Reviews & Product Details.

2) Navan

Navan is a corporate travel and expense management platform designed to simplify travel booking and expense management for companies. It offers an intuitive interface for employees to book travel and manage expenses while ensuring compliance with company policies, providing real-time visibility and control over spending.

Navan Key Features

Navan offers a range of features designed to simplify corporate travel and expense management:

• Navan Travel: Empowers employees to book travel from an extensive inventory while adhering to company spending limits.
• Navan Expense: Automates expense categorization, reporting, and reimbursements to boost productivity and optimize savings.
• Navan Connect: Integrates existing credit cards with built-in approval flows and automatic reconciliation.
• Navan Rewards: Incentivizes employees to save on travel costs by rewarding them for booking below budget.
• Expert Support: Provides 24/7 assistance and premium services for high-touch needs.

Navan Pricing

Navan offers a free plan for small companies and a customizable plan for large-scale organizations.

• Navan Business: Free plan for companies up to 200 employees, includes travel and expense features.
• Navan Enterprise: Custom pricing for large-scale organizations, includes advanced travel and expense features.

Drawbacks To Navan

General user reviews of Navan highlight its ease of use and efficient expense management, but some users have noted issues with the booking process.

• "Seamless UI/UX experience. I don't even know why companies still use Concur when Navan is here!" - Gabriel G.
• "Mediocre product at its best, exasperating at its worst. Easy to login. Not much else." - Verified User

For more detailed reviews, visit Navan Reviews & Product Details.

3) Expensify

Expensify is a platform designed to manage company spend, offering tools for expense management, travel booking, corporate cards, spend management, bill pay, receipt scanning, invoicing, and more. It connects directly to accounting, HR, payroll, and travel software, providing real-time visibility and control over business expenses to enable smarter financial decisions and streamline financial operations.

Expensify Key Features

Expensify offers a range of features designed to streamline company spend management. Here are some of the most notable:

• Expensify Card: A corporate card that offers cash back on every US purchase and simplifies expense reporting.
• Global Reimbursements: Allows for easy reimbursement of employees regardless of their location or currency.
• Unlimited Virtual Cards: Enables purchases without a physical card, enhancing convenience and security.
• Expensify Chat: A financial chat hub for conversations with colleagues, clients, and friends.
• Automated Expense Reporting: Features like next-day reimbursements and syncing with accounting software.

Expensify Pricing

Expensify's pricing is not public. Contact their support for more info.

Drawbacks To Expensify

General user reviews of Expensify highlight its ease of use and efficiency in managing expenses, but some users have noted issues with pricing and customer support.

• "Expensify is super easy to use, very intuitive and extremely convenient for uploading travel expenses on the go." - Jenny R.
• "It did eventually get the job done for us for a period of time, although it was expensive and the support was absolutely terrible." - Jimmy M.

For more detailed reviews, visit Expensify Reviews & Product Details.

4) Fyle

Fyle is an AI-powered expense management software that optimizes expense management with automation, real-time spend tracking, and hassle-free receipt capture via text messages, all on existing credit cards. It offers a comprehensive solution for businesses to automate expense tracking, manage receipts, and reconcile credit card transactions in real-time, integrating seamlessly with various accounting software.

Fyle Key Features

• Text Messages: Allows users to track receipts by simply texting a picture, with Fyle’s OCR automatically extracting relevant data.
• Real-Time Card Feeds: Provides real-time visibility into employee expenses the moment they swipe their credit cards.
• AI-Powered Expense Coding: Uses AI to automatically code expenses according to the company’s general ledger, reducing manual effort.
• Automated Credit Card Reconciliation: Automatically matches receipts to the correct transactions, eliminating the need for manual reconciliation.
• Two-Way Accounting Integrations: Syncs expense data, including receipts and transactions, with popular accounting software like QuickBooks, NetSuite, and Xero in real-time.

Fyle Pricing

Fyle charges based on active users who create at least one expense or have a corporate card with a transaction in a month.

• Growth: Unlimited expense tracking, real-time card feeds, and receipt scanning.
• Business: All Growth benefits, multi-stage approvals, and advanced analytics.
• Enterprise: All Business benefits, IP whitelisting, and branded account and emails.

Drawbacks To Fyle

General user reviews of Fyle highlight its user-friendly interface and efficient expense tracking, but some users have noted issues with receipt management and occasional glitches.

• "Fyle makes getting paid and reimbursed incredibly easy! Their process is seamless, intuitive, and hassle-free." - Bruce N. (Media and Production Director, Small-Business)
• "We previously had a manual receipt submission process, requiring much back-and-forth at the end of the month." - Verified User (Non-Profit Organization Management, Small-Business)

For more detailed reviews, visit Fyle Reviews & Product Details.

5) Center

Center is a real-time expense management solution that integrates a corporate card with expense management functionalities, providing a comprehensive tool for managing travel and expenses in one place. It streamlines employee spending, saves time on month-end close, boosts compliance, and offers insights for data-driven decision making.

Center Key Features

Here are some of the most notable features of Center:

• CenterCard® Mastercard®: A corporate card that captures spend as it happens and automates the entire expense process from start to finish.
• Real-Time Data and Visibility: Provides real-time visibility into employee spend, including off-platform transactions, and enforces dynamic policy controls to drive the right behaviors.
• Customizable Expense Management: Customizes the expense management process to fit specific organizational processes, policy rules, and approval flows, saving time for spenders, approvers, and accounting.
• Integrated Travel Management: Manages travel and expenses in one place, offering visibility and control over all travel bookings, ensuring trips are booked easily, on budget, and within policy.
• Actionable Insights and Analytics: Identifies spending patterns, monitors trends, and spots outliers, allowing for more accurate forecasting and data-driven decision-making.

Center Pricing

Center's pricing approach involves no upfront investment or licensing fees, with costs covered by merchant fees and flat fees for corporate travel bookings.

• Corporate Card Program: Use of CenterCard everywhere that accepts Mastercard, including virtual cards.
• Travel Booking: Flat fee per trip, including unlimited itinerary changes and 24/7 support.

Drawbacks To Center

General user reviews of Center highlight its efficiency in expense management and ease of use, but some users have noted issues with limited reporting options and manual setup requirements.

• "Center has streamlined our expense management, but the limited reporting options can be frustrating." - Eric L.
• "The manual setup for cost centers and approval rules is time-consuming, but overall, it's a solid platform." - Petra B.

For more detailed reviews, visit Center Reviews 2025: Details, Pricing, & Features | G2.

How to select the right BILL Spend & Expense alternative?

Tips for Selecting the Right BILL Spend & Expense Alternative:

• Identify Your Needs: Assess your company's specific financial management requirements, such as expense tracking, travel booking, or AP automation.
• Evaluate Key Features: Compare the features offered by each platform to ensure they align with your business goals and operational needs.
• Consider Integration Capabilities: Look for solutions that seamlessly integrate with your existing accounting, HR, and payroll systems for streamlined operations.
• Review Pricing Structures: Understand the pricing models, including any hidden fees, to ensure the solution fits within your budget.
• Read User Reviews: Check out user feedback to gauge the real-world performance and reliability of the platform.
• Test Customer Support: Ensure the platform offers robust customer support to assist with any issues or questions that may arise.
• Consider Rho: With its comprehensive suite of financial tools and transparent pricing, Rho is a versatile choice for businesses looking to streamline their financial operations.

Getting started with the best BILL Spend & Expense alternative

Each of the alternatives to BILL Spend & Expense offers unique features and benefits tailored to different business needs. Whether you prioritize travel management, AI-powered expense tracking, or comprehensive financial tools, there's a solution that fits your requirements.

If you're looking for a versatile and comprehensive platform, we recommend Rho. With its integrated suite of financial tools, transparent pricing, and exceptional customer support, Rho stands out as a top choice for businesses aiming to streamline their financial operations. Ready to experience Rho firsthand? Request a demo today.