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 Finance Lead
Closes the month for a hundred-and-fifty-person Mittelstand company and books card spend from three banks. Wants card statements that reconcile by themselves, booking proposals with account, tax key and cost centre, receipts that reach DATEV with the booking, reimbursements paid in one SEPA run, and nothing that has to be retyped.
Expensify
SAP Concur Expense
This judge's pick
Criterion by criterion
Receipt capture & expense claims
Expensify
SmartScan transcribes merchant, date, amount and currency in most languages, travel partners like KAYAK and Delta deliver receipts automatically, and receipts travel into accounting exports, PDF reports and audit trails under clear permissions. We found no public information on VAT extraction per receipt, duplicate or fraud checks on submission, a substitute receipt for lost originals, or a GoBD-compliant scanning procedure.
SAP Concur Expense
Mobile capture is well documented: photographs of receipts read amount, VAT and merchant, receipts are matched against corporate card transactions and email, reports are checked for duplicates and real-time anomalies, and kilometre tracking is GPS-based with GoBD-compliant photo capture. We found no public information on line-item extraction, a substitute receipt for lost originals, or a named replacement-scanning certification.
Company cards & spend control
Expensify
Unlimited virtual cards, per-card Smart Limits, real-time approve/decline rules on currency, amount, merchant and merchant type before authorization, and default merchant-category blocking sit beside corporate card feeds from 10,000+ banks with automatic reconciliation — control at the moment of payment. The EEA and UK issuers are named with their regulators, which is more than most show.
SAP Concur Expense
Corporate card transactions flow into the product automatically and are matched to receipts, with spending visible in real time — that covers the feed-and-match side of my month-end. We found no public information on cards issued by the vendor, per-card limits, budgets, receipt reminders, or named card programmes and issuers.
Approval workflows & expense policy
Expensify
Approval routes through Submits-to and Approves-to chains, escalates past approval limits, supports category- and tag-specific approvers, trip pre-approval, delegation, audit history and read-only auditor access. We found no public information on per-country policy limits or per-diem checks before submission, or on several legal entities in one account.
SAP Concur Expense
Company policy is applied in real time, violations are flagged before submission, an AI validation agent checks reports for completeness, country-specific policies are centrally maintained and updated, and travel requests can be approved or rejected from the mobile app. We found no public information on routing by amount, cost centre or entity, deputies and escalation, granular roles, or an exportable audit trail.
Reimbursement, travel allowances & VAT
Expensify
Approved reports are reimbursed in-app in 140+ currencies to 190+ countries in as little as one business day, and foreign VAT reclaim runs through a named partner, VAT IT, which prepares and submits claims to tax authorities. Mileage runs on custom distance rates; we found no public information on statutory per diems or mileage rates per country, German travel expense law, meal deductions, or a European payroll handoff for taxable reimbursements.
SAP Concur Expense
Per diems for domestic and foreign trips are calculated fully automatically with statutory 2026 updates and meal deductions maintained centrally by the vendor, mileage runs on GPS, reimbursement is processed after approval, and the app supports multiple currencies while OCR reads the VAT from each receipt. We found no public information on SEPA payment files, taxable amounts passed to payroll, or foreign VAT reclaim.
Accounting handoff & DATEV
Expensify
Reports sync automatically into QuickBooks, Xero, NetSuite and Sage Intacct with multi-level GL coding and receipts attached to the export, card transactions reconcile automatically from linked banks, and a documented API plus CSV and ZIP exports complete the handoff. For my books, we found no public information on a DATEV interface, booking proposals that learn account, tax key and cost centre, or a GoBD-compliant archive.
SAP Concur Expense
A direct DATEV connection and native SAP S/4HANA integration are documented, alongside more than 300 prebuilt connectors, certified interfaces with automated export to financial accounting, SFTP and APIs, and encrypted GoBD-compliant archiving. We found no public information on booking proposals that learn account, tax key and cost centre, receipt images travelling to DATEV, webhooks, or card statement reconciliation for the month-end close.
European sovereignty
Expensify
The contracting provider is Expensify, Inc. of Portland, Oregon; hosting location is not stated on the captured pages, and the named subprocessors — OpenAI for the AI assistant, PayPal and Bancorp for payments, Spotnana for travel, Google Analytics — are US companies under an open-ended supplier list. The EEA card is issued by Transact Payments Malta under the Malta Financial Services Authority and the privacy policy names GDPR and European jurisdiction provisions; we found no public information on EU hosting, a published data processing agreement, or ISO 27001 or SOC 2 certifications.
SAP Concur Expense
Concur (Germany) GmbH in Eschborn with a Frankfurt commercial register entry and a German VAT number is the contracting entity, and an unusually broad certification set including ISO 27001, ISO 27018, SOC 2 and PCI Level-1 is published. We found no public information on where data is hosted or on a subprocessor list with locations, and the privacy policy names Concur Technologies, Inc. in Bellevue, Washington as a controller and hashed user IDs passed to US social networks.
Pricing transparency
Expensify
Collect is published at $5 per member/month with its inclusions, a free tier and a 30-day trial exist, and the terms state non-refundable fees, 15-day price-change notice and 90-day non-renewal notice on statements of work. Control is custom pricing "as low as $9 per active member/month", so real scaling is a sales conversation; we found no public information on card, foreign-transaction or currency-conversion fees.
SAP Concur Expense
Prices are available only on request — the public page offers "Preise anfragen" — and pricing is described only as a flexible subscription with no figures, while the mobile app is free to download but requires an active subscription. No tiers, per-user prices, card or foreign-currency fees, or term and minimum-seat conditions are published.
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.