As of 29 Oct 2026, the panel rates Expensify 3/5 and SAP Concur Expense 3/5 in Expense Management. Weighted by what each judge cares about, 0 of the 6 judges pick Expensify and 6 pick SAP Concur Expense. Expensify scores higher on 2 of 6 criteria (Company cards & spend control and Approval workflows & expense policy). SAP Concur Expense scores higher on 4 of 6 criteria (Receipt capture & expense claims, European sovereignty, Reimbursement, travel allowances & VAT, plus 1 more). Provenance — Expensify: Rest of world; SAP Concur Expense: EU-Made. Ratings are the AI panel’s opinion, formed from public evidence: how scores are made.
SAP Concur Expense leads receipt capture, 7.5 versus 6.0, six lean its way; reimbursement and VAT, 7.0 versus 6.0; accounting export, 6.5 versus 5.8 with two ties; and sovereignty, 3.8 versus 2.3, five lean SAP Concur, one leans Expensify — Expensify's listed subprocessor exposure is the US Cloud Act; SAP Concur's sovereignty attributes are listed as unknown. Expensify leads cards and spend control, 7.2 versus 4.5, and approval and policy, 6.8 versus 6.2, two ties. Pricing transparency sits at 5.0 versus 0.5 — Collect is published at "$5 per member/month", Control is custom, SAP Concur prices on request, and pricing is unweighted. Weighted totals favor SAP Concur on the travelling employee, controller and tax adviser benches, 6.5 versus 5.9, 6.2 versus 5.7 and 6 versus 5.2; office manager, finance lead and skeptic sit at 6 versus 6.2, 5.9 versus 6 and 5.4 versus 5.6. No overall winner: the split is the answer.
Choose Expensify if
You need unlimited physical and virtual cards with per-card and group Smart Limits and real-time spend rules that approve or decline before authorization — cards and spend control leans Expensify, 7.2 versus 4.5.
Your team brings corporate cards from 10,000+ banks and wants them fed in with automatic matching.
You must see a price before contacting sales: Expensify publishes Collect at "$5 per member/month", with Control as custom, while SAP Concur Expense prices on request.
Your decision turns on approval and policy: four judges lean Expensify, 6.8 versus 6.2, with two ties.
Choose SAP Concur Expense if
You need GoBD-compliant receipt capture with OCR reading amount, VAT and merchant, and encrypted, revision-safe archiving — receipt capture leans SAP Concur Expense, 7.5 versus 6.0.
Your team pays domestic and foreign per diems with centrally maintained statutory 2026 updates and meal deductions — reimbursement and VAT leans SAP Concur Expense, 7.0 versus 6.0.
Your accounting runs on DATEV or SAP S/4HANA: a direct DATEV connection, native S/4HANA integration and over 300 prebuilt connectors sit under accounting export, 6.5 versus 5.8.
Data sovereignty carries weight in your purchase: five judges lean SAP Concur Expense, 3.8 versus 2.3, noting its privacy policy names Concur Technologies, Inc. of Bellevue, Washington as a controller beside the German and Dutch entities.
Read this comparison as one judge. Each weighs the same scores by what they care about.
The Controller
Owns the travel and expense policy of a manufacturer with four legal entities and twelve hundred staff. Wants approval chains by cost centre and amount, limits checked before a claim is submitted rather than after it is paid, duplicates and private spending caught, budgets that cards draw from, and an audit trail that shows who approved and changed what.
Expensify
SAP Concur Expense
This judge's pick
Criterion by criterion
Receipt capture & expense claims
Expensify
SmartScan reads merchant, date, amount and currency from photographed receipts in most languages and currencies, travel receipts arrive automatically from named partners such as Bolt Work, SpotHero, Grab and KAYAK for Business, and attached receipts stay visible in audit trails, accounting exports and PDF reports. For my audit file I found no public information on duplicate detection at submission, extraction of VAT rates and amounts, a substitute receipt for lost originals, or a GoBD-compliant scanning statement.
SAP Concur Expense
Mobile capture is well evidenced: the app photographs receipts with OCR reading amount, VAT and merchant, ExpenseIt turns photos into categorised entries, duplicate and anomaly checks run before costs arise, GPS mileage tracking is built in, and the vendor states capture and encrypted cloud archiving are GoBD-compliant with data flowing automatically from travel providers, online agencies and card companies. We found no public information on a substitute receipt for lost originals, a named certified scanning procedure, or published extraction accuracy, which holds it below the top level.
Company cards & spend control
Expensify
Unlimited physical and virtual cards carry per-card and group Smart Limits, spend rules approve or decline a transaction in real time by amount, merchant and merchant category before authorisation, blocked category codes cannot be overridden, and existing corporate cards feed in from over ten thousand banks. Issuers and licences are named, including Transact Payments Malta under the Malta Financial Services Authority for EEA cardholders, though the captured pages give different issuer names for the card programme; budgeting appears in the Control plan, but I found no public information on budgets that card spending draws down, single-use or subscription cards, or limits by period.
SAP Concur Expense
The captured pages show corporate card transactions transferring automatically into the product and being auto-matched against receipts and travel bookings, with real-time spend visibility across the company — the profile of a product feeding existing card schemes rather than issuing its own. We found no public information on own physical or virtual cards, per-card limits, budgets that cards draw from, or pre-approval of a purchase before the card is charged.
Approval workflows & expense policy
Expensify
Advanced Approval routes reports by submitter, sends category- and tag-specific approvers first, escalates past an approver's limit, supports trip approvals and delegated approving on a colleague's behalf, with a detailed audit history and distinct Workspace Admin, Card Admin and Auditor roles. The expense policy itself is a PDF or text document on the workspace with admin-only editing, and I found no public information on several legal entities in one account, per-country limits, or policy limits checked before a claim is submitted rather than after.
SAP Concur Expense
Company rules are applied in real time and violations — including duplicates and anomalies — are flagged before submission, country-specific policies are kept current centrally, travel requests can be approved in advance, and managers review, approve or reject from the mobile app, which is most of my checklist. We found no public information on approval chains routed by amount, project or cost centre, deputies and escalation, several legal entities in one account, or an exportable audit trail of who approved and changed what, so it sits between the configurable-workflow and audit-grade levels.
Reimbursement, travel allowances & VAT
Expensify
Approved claims are reimbursed in-app to over 190 countries in over 140 currencies, stated in as little as one business day, with mileage tracking at custom rates, and foreign VAT reclaim is handled with a named partner, VAT IT, covering analysis, eligibility classification and submission to tax authorities. I found no public information on statutory per diems or mileage rates per country maintained by the vendor, meal deductions and multi-day calculation, or a taxable versus tax-free split for payroll — the payroll service described covers certain US states only.
SAP Concur Expense
Per diems for domestic and foreign travel are calculated automatically from trip dates with meal deductions and statutory 2026 rates maintained centrally by the vendor, mileage is captured by GPS, approved expenses are processed for reimbursement, and OCR reads the VAT amount on every receipt — the core of German travel-expense law. We found no public information on the payout mechanism such as a SEPA payment file or a stated turnaround time, invoice-requirement checks on receipts, or foreign VAT reclaim.
Accounting handoff & DATEV
Expensify
Approved reports sync automatically to named systems — Xero on approval, NetSuite, Sage Intacct, QuickBooks — with multi-level GL coding, receipts carried into accounting exports, third-party card feeds reconciled, a documented integration API, and CSV and ZIP exports of expenses and receipts. For my books, I found no public information on a DATEV interface, a GoBD-compliant archive, webhooks, or two-way ERP sync.
SAP Concur Expense
There is a direct connection to DATEV, native integration into SAP landscapes such as S/4HANA, over 300 prebuilt certified connectors with automated export into financial accounting, connection via SFTP and APIs, and an encrypted cloud archive the vendor describes as revision-safe storage under GoBD. We found no public information on receipt images travelling with the booking to DATEV, booking proposals that learn account, tax key and cost centre, month-end card statement reconciliation, or webhooks.
European sovereignty
Expensify
The provider is Expensify, Inc. of Portland, Oregon, hosting location is not stated, the supplier list is open-ended ("including but not limited to") naming US firms OpenAI, Spotnana, PayPal and Bancorp beside FCA-regulated Plaid, and Google Analytics runs on the site. The one European link in the chain is the EEA card issuer Transact Payments Malta, regulated by the Malta Financial Services Authority; I found no public information on a published data processing agreement, a hosting region, or security certifications.
SAP Concur Expense
The contracting entity is Concur (Germany) GmbH in Eschborn with a German commercial register entry and VAT number, the privacy policy names the group data protection officer and the Baden-Württemberg supervisory authority, and the security page lists ISO 27001, ISO 27017, ISO 27018 and SOC 2 Type II audits — though the privacy policy also names a US controller, Concur Technologies, Inc. of Bellevue, Washington. We found no public information on where expense, card and employee data are hosted or on the subprocessor list for hosting, text recognition and email delivery, so the chain a buyer must assess is not visible on these pages.
Pricing transparency
Expensify
Collect is published at $5 per member/month and Control at custom pricing "as low as $9 per active member/month", with a free tier, a 30-day trial, published cash-back percentages, non-refundable fees, a 15-day price-change notice and one-year auto-renewal with 90-day non-renewal notice. A buyer still cannot compute the real annual cost: the tier carrying ERP integration is custom-priced, and I found no public information on card fees, foreign-currency charges, setup fees or minimum seats.
SAP Concur Expense
The captured pages show "Preise anfragen" — prices on request — and state only that subscription pricing is flexible for the company, while the app is free to download but requires an active subscription. No per-user price, tier, card fee, minimum term or setup cost is public, so a buyer cannot compute an annual cost from these pages.
Sovereignty, side by side
Dimension
Expensify
SAP Concur Expense
Legal entity
Not determined
Not determined
Hosting location
Not determined
Not determined
Hosting options
Not determined
Not determined
Open source
Not determined
Not determined
Data processing agreement
Not determined
Not determined
Transfer impact assessment
Not determined
Not determined
Facts, side by side
Only facts both products carry under the same definition — anything else would not be a fair row.
Product · Travel booking
Travel platform for booking reservations and services1
As of 29 Oct 2026, the panel rates both 3/5. Weighted by what each judge cares about, 0 of the 6 judges pick Expensify and 6 pick SAP Concur Expense. Which one fits depends on the criteria that matter to you; the table on this page shows both side by side, and each judge’s reading has its own page. Both were scored by the same AI bench under the same rubric, from public evidence only, as the methodology describes.
Is Expensify or SAP Concur Expense European?
Expensify is not European by provenance (Rest of world). SAP Concur Expense is European (EU-Made). Provenance is read from each company’s own legal pages: who builds it and who owns it.
Do Expensify and SAP Concur Expense have a free plan?
As of 29 Oct 2026, Expensify’s own pages state a free plan; SAP Concur Expense’s pages as captured do not. Each product page links the pricing page it was read from.