BILL Spend & Expense vs Neat
Two expense management tools side by side. Prices are the starting plan a small business would pick, in USD.
Short version
Neat fits service business, trades or contractor.
BILL Spend & Expense fits online store.- BILL Spend & Expense suits teams past ten people.
| Compare | BILL Spend & ExpenseBILL Holdings | NeatNeat |
|---|---|---|
| In one line | Budgets first, then cards that enforce them | Scan receipts and documents into searchable records for $200 a year |
| Starting price | Free | From $16.67/mo |
| Six-person team | $0/mo | Not listed |
| Plans | $0 per user: corporate cards, budgets, and expense tracking; credit lines from $1,000 to $5M, subject to approval | $200/yr; one account can be shared with up to 4 other users (5 in total) at no extra charge; VIP Service add-on $50/yr; Automated Insights add-on $150/yr; free trial |
| Pricing model | Free | Free trial |
| Free trial | — | — |
| Users | Unlimited | Up to 5 (the owner plus 4 shared users) |
| Both connect to | QuickBooks Online | |
| Also connects to | Xero35+ listed by the vendor | No others on record |
| Team size | 2–10 people · 11–50 people · 51–200 people | Just me · 2–10 people |
| Available in | US | US |
| Phone support | Every plan | None listed |
| Live chat | Every plan | Every paid plan |
| Support hours | Not published | Not published |
| Incidents posted | 0 incidents posted on BILL Holdings's status page, which covers all BILL Holdings products and regions, in the 90 days to Oct 27, 2026. Status page | Neat has a public status page. Status page |
| Capterra score | 4.7 / 5 from 440 reviews | 4.0 / 5 from 100 reviews |
| Trustpilot score | Not listed | 4.6 / 5 from 2,362 reviews |
| Fit: Retail shop | 60 | 60 |
| Fit: Restaurant or café | 60 | 55 |
| Fit: Service business | 70 | 80 |
| Fit: Agency or studio | 75 | 70 |
| Fit: Trades or contractor | 70 | 82 |
| Fit: Online store | 65 | 50 |
| Why people pick it |
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| Where it falls short |
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| Visit BILL Spend & Expense | Visit Neat | |
Six-person prices are what a team of six would pay on the published plans; "Not listed" means those plans don't cover six. How we calculate prices
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