BILL Spend & Expense vs N2F

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Our analysts compared BILL Spend & Expense vs N2F based on data from our 400+ point analysis of Expense Management Software, user reviews and our own crowdsourced data from our free software selection platform.

Product Basics

BILL Spend & Expense (formerly called Divvy) is a free cloud-based accounting and expense management solution. It provides businesses with a secure financial platform to manage payments, subscriptions and eliminate the requirements of expense reports. The swipe to books functionality helps make well-informed cash flow decisions, cut down on the losses before they happen and frees businesses from the worry of saving receipts ever again.
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N2F is a sophisticated software solution designed to streamline expense management tasks, making it particularly advantageous for businesses in industries like consulting, construction, and sales where frequent travel and expense reporting are common. The platform excels in automating the capture, submission, and approval of expenses, significantly reducing administrative burdens. Users appreciate its intuitive interface, which allows for seamless receipt scanning and integration with accounting systems. A standout feature is its ability to handle multi-currency transactions, catering to global operations. Compared to similar products, N2F is praised for its user-friendly design and robust functionality, though some users note a learning curve initially. Pricing details are not explicitly available, and potential users are encouraged to contact SelectHub for a tailored quote. Overall, N2F offers a compelling blend of efficiency and ease, making it a valuable tool for businesses seeking to optimize their expense management processes.
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Product Insights

  • Easy Access to Credit: Access the funding by applying for a credit card online within seconds.  
  • Go Paperless: Access reports with a few clicks on the phone. Eliminate the need for manual expense reports, which could be prone to error or duplication. 
  • Real-Time Tracking: Get access to budget and funds in real time. Identify the areas that result in revenue loss or profit. Take control of the budget and make the right decision.  
  • Transparency: Track the invoices alongside other expenses in real time. Help keep the spending under budget. 
  • Free: Use the spend management software for free. Include premium add-ons like reimbursements and implementation at an affordable price.  
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  • Time Efficiency: N2F streamlines the expense reporting process, allowing employees to submit expenses quickly and managers to approve them with minimal delay, reducing administrative overhead.
  • Cost Control: By providing real-time insights into spending patterns, N2F helps businesses identify areas where costs can be reduced, leading to more strategic financial planning.
  • Accuracy Improvement: Automated data entry and receipt scanning minimize human error, ensuring that expense reports are accurate and compliant with company policies.
  • Policy Compliance: N2F enforces company expense policies automatically, reducing the risk of non-compliance and potential financial discrepancies.
  • Enhanced Visibility: Managers gain a comprehensive view of all expenses through detailed dashboards, facilitating better decision-making and budget management.
  • Mobile Accessibility: With a mobile app, employees can capture and submit expenses on-the-go, increasing convenience and ensuring timely reporting.
  • Integration Capabilities: N2F seamlessly integrates with existing accounting and ERP systems, ensuring a smooth flow of financial data across platforms.
  • Environmental Impact: By digitizing receipts and reports, N2F reduces paper usage, contributing to a more sustainable business practice.
  • Customizable Workflows: Businesses can tailor approval processes to fit their unique needs, enhancing operational efficiency and adaptability.
  • Data Security: N2F employs robust security measures to protect sensitive financial information, ensuring compliance with data protection regulations.
  • Scalability: As businesses grow, N2F scales effortlessly to accommodate increased transaction volumes without compromising performance.
  • Employee Satisfaction: Simplified expense reporting reduces frustration and improves the overall employee experience, leading to higher morale and productivity.
  • Audit Readiness: With comprehensive record-keeping and easy retrieval of historical data, N2F simplifies the audit process, ensuring compliance and transparency.
  • Global Usability: Support for multiple currencies and languages makes N2F suitable for international operations, facilitating seamless global expense management.
  • Cost Savings: By automating manual processes, N2F reduces the need for additional administrative staff, leading to significant cost savings over time.
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  • Virtual Card: Manage businesses and make purchases online with a virtual card that has a unique number for the company.  
  • Software Integration: Integrate with the software that a business is using without any manual recoding. Customize the program to match the charts of accounts, thereby saving significant time. 
  • Tracking and Managing Expenses: Track and manage out-of-pocket expenses alongside the card spend with real-time visibility in one place. 
  • Card and Software Together: Give companies control of their finances and budget. Create a card, choose a budget and set a limit. 
  • Earn Rewards: Earn rewards with every purchase which can include a gift card or cash back.  
  • Send and Request Money: Send or request money to and from cards. Set a schedule for when money gets sent to a particular card. 
  • Expense Automation: Control overspending and adjust spenders funds as needed. Get precoded and ready-to-upload expense sheets directly into the accounting system. 
  • Budget Management: Sync automatically with employee cards to provide real-time visibility and control spending. Manage the budget by team and add or remove members instantly. 
  • Subscription Management: Create and secure virtual card for each subscription. Freeze the card anytime to protect the business from fraud and overcharging. 
  • Invoice Automation: Automate invoices with push notifications and email reminders. Keep track of the invoice dashboard by status. 
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  • Receipt Scanning: Automatically extract data from receipts using OCR technology, reducing manual entry.
  • Multi-Currency Support: Handle expenses in various currencies with automatic conversion to your base currency.
  • Customizable Approval Workflows: Tailor approval processes to fit your organization's hierarchy and policies.
  • Integration with Accounting Software: Seamlessly connect with popular accounting platforms like QuickBooks and Xero for streamlined financial management.
  • Mobile App Accessibility: Submit and approve expenses on-the-go with a user-friendly mobile application available for iOS and Android.
  • Expense Policy Compliance: Set up rules and alerts to ensure expenses adhere to company policies, minimizing non-compliant submissions.
  • Comprehensive Reporting: Generate detailed reports to analyze spending patterns and identify cost-saving opportunities.
  • Credit Card Reconciliation: Match credit card transactions with submitted expenses for accurate financial tracking.
  • Multi-Language Support: Operate the software in multiple languages to accommodate diverse teams.
  • Secure Data Storage: Protect sensitive financial information with robust encryption and secure cloud storage solutions.
  • Custom Fields: Add specific fields to expense reports to capture additional information relevant to your business needs.
  • Automated VAT/GST Calculation: Automatically calculate and track VAT/GST for applicable expenses, simplifying tax compliance.
  • Delegation Features: Allow users to delegate expense report creation or approval to colleagues during absences.
  • Offline Mode: Capture and store expenses without an internet connection, syncing data once connectivity is restored.
  • Real-Time Notifications: Receive instant alerts for submitted, approved, or rejected expenses to stay informed.
  • Customizable Dashboard: Personalize your dashboard to display key metrics and insights relevant to your role.
  • Project-Based Expense Tracking: Allocate expenses to specific projects for detailed project cost analysis.
  • Data Export Options: Export expense data in various formats such as CSV or PDF for further analysis or record-keeping.
  • Role-Based Access Control: Define user roles and permissions to ensure appropriate access to sensitive information.
  • Frequent Updates: Benefit from regular software updates that introduce new features and enhancements based on user feedback.
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Product Ranking

#3

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Expense Management Software

#22

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Expense Management Software

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User Sentiment Summary

Excellent User Sentiment 271 reviews
Excellent User Sentiment 10 reviews
94%
of users recommend this product

BILL Spend & Expense has a 'excellent' User Satisfaction Rating of 94% when considering 271 user reviews from 2 recognized software review sites.

100%
of users recommend this product

N2F has a 'excellent' User Satisfaction Rating of 100% when considering 10 user reviews from 2 recognized software review sites.

5.0 (14)
n/a
4.68 (257)
5.0 (5)
n/a
5.0 (5)

Awards

BILL Spend & Expense stands above the rest by achieving an ‘Excellent’ rating as a User Favorite.

User Favorite Award

N2F stands above the rest by achieving an ‘Excellent’ rating as a User Favorite.

User Favorite Award

Synopsis of User Ratings and Reviews

Virtual Cards: BILL Spend & Expense allows users to create virtual cards for specific vendors or employees, which helps to control spending and track expenses more effectively.
Budgeting Tools: The platform offers budgeting tools that enable users to set spending limits and track their progress against those limits, promoting better financial management.
Expense Tracking: BILL Spend & Expense simplifies expense tracking by automatically categorizing transactions and allowing users to attach receipts and notes to expenses.
Integrations: BILL Spend & Expense integrates with various accounting software programs, streamlining the process of reconciling expenses and keeping financial records up-to-date.
Mobile App: The BILL Spend & Expense mobile app provides users with convenient access to their accounts and expense management tools while on the go.
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User-Friendly Interface: User reviews consistently praise N2F for its intuitive design and ease of use, making expense management straightforward for employees at all levels of technical expertise.
Mobile Accessibility: The availability of a highly-rated mobile app allows users to track and report expenses conveniently from any location using their smartphones.
Seamless Integration: N2F offers smooth integration with external accounting systems, simplifying the transfer of expense data and reducing manual effort.
Efficient Receipt Management: The software's smart-scanning feature automates data extraction from receipts, eliminating the need for manual entry and saving users valuable time.
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Limited Accounting Features: BILL Spend & Expense's strength lies in expense management, but it may lack advanced accounting features required by some businesses, such as accounts payable and accounts receivable management.
Integrations: While BILL Spend & Expense integrates with popular accounting software, the depth of integration and available features may vary. Users should ensure their accounting software is fully compatible with BILL Spend & Expense to avoid manual data entry or limitations.
Customer Support: Some users have reported challenges with BILL Spend & Expense's customer support, including long wait times and difficulty resolving complex issues. Consider the importance of responsive and effective customer support for your business needs.
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Limited Customization: User reviews don't mention if N2F allows renaming of default analytical axes like "Vehicles" or "Payment methods," potentially limiting customization for specific business needs.
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BILL Spend & Expense has garnered positive feedback from users for its user-friendly interface and time-saving automation features. The software simplifies expense reporting by allowing employees to capture receipts and submit expenses directly through the mobile app. BILL Spend & Expense's budgeting tools enable businesses to allocate funds, track spending, and gain insights into their financial health. Users appreciate the real-time visibility into cash flow and the ability to integrate with popular accounting software like QuickBooks and Xero. While BILL Spend & Expense receives praise for its core functionalities, some users note that the customer support could be more responsive. Additionally, the software may not be as feature-rich as some of its competitors, such as Expensify or Zoho Expense, which offer more advanced reporting and customization options. However, BILL Spend & Expense's simplicity and ease of use make it an attractive choice for small and medium-sized businesses that prioritize streamlining expense management and budgeting processes. Its intuitive platform and automation capabilities cater to businesses seeking a hassle-free solution to track spending, control costs, and gain better financial control.

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Is N2F the real deal when it comes to expense management software? User reviews from the last year overwhelmingly suggest that it is. N2F consistently receives high praise for its user-friendly interface, with reviewers highlighting the ease of scanning receipts and navigating the platform. One user even described the mobile app as "awesome" for its simplicity in uploading and approving expenses. This emphasis on user experience appears to be a key differentiator for N2F, as users find it significantly easier to use compared to other solutions they have tried. Another major strength is N2F's flexibility. Users appreciate its ability to integrate with external accounts, apply segmentation for customized reporting, and adapt to the specific needs of different industries, including non-profit organizations. This adaptability makes N2F a versatile tool that can be tailored to various organizational structures and workflows. While user reviews are overwhelmingly positive, some users note that occasional glitches can occur with the software. However, these instances appear to be infrequent and are generally outweighed by the positive feedback on N2F's functionality and customer support. Overall, N2F seems best suited for businesses of all sizes looking for a user-friendly, flexible, and reliable expense management solution. Its intuitive design and robust feature set make it a valuable asset for streamlining expense reporting, reducing manual effort, and improving overall financial control.

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