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 Office Manager
Runs the office of a thirty-person agency and is the one who chases missing receipts every month. Wants a card for each project lead with a limit she sets, software subscriptions on their own virtual cards, receipts that arrive without reminders, an export the tax adviser accepts, and a monthly price she can work out before the trial ends.
Expensify
SAP Concur Expense
This judge's pick
Criterion by criterion
Receipt capture & expense claims
Expensify
SmartScan reads merchant, date, amount and currency off receipts in most languages and currencies, and travel partners like KAYAK, Bolt, Grab and Delta feed receipts in automatically, which takes most of the receipt-chasing off my plate. Mileage and distance tracking are documented too. We found no public information on VAT amounts being extracted line by line, duplicate checks on submission, or a substitute receipt for lost originals.
SAP Concur Expense
Receipts are photographed on the phone and the OCR reads amount, VAT and merchant straight away, with card, email and travel-provider data flowing in automatically so nobody has to be reminded. Duplicate and real-time anomaly checks run on the reports, mileage is captured by GPS, and receipts can be photographed GoBD-compliant and archived encrypted and audit-proof. I found no public information on a substitute receipt for lost originals or a named certified scanning procedure.
Company cards & spend control
Expensify
Unlimited cards with a Smart Limit set per card or per group, a limit of $0 disabling the card, and real-time approve/decline rules restricting merchant category, amount and currency before a transaction is authorized is exactly the control I want for project leads, plus virtual cards for software subscriptions. Existing company cards from 10,000+ banks feed in with auto-matching, and the issuers and licences are named — The Bancorp Bank in the US, Transact Payments Malta regulated by the Malta Financial Services Authority for EEA residents. We found no public information on single-use cards, limits by period, or budgets per project that cards draw from.
SAP Concur Expense
The documented route is the company's existing credit cards: transactions transfer automatically into the system, receipts, card transactions and travel bookings are matched automatically, and spending is visible in real time. I found no public information on cards issued by the vendor, per-card limits that I could set, virtual subscription cards, or budgets per project.
Approval workflows & expense policy
Expensify
Advanced Approval routes reports along a submits-to chain, escalates past an approver's limit, and sends category- or tag-specific expenses to their own approvers first, with trip approvals, delegated access for deputies and an auditor role with review-only access. The expense policy is a PDF or text document on the workspace, with policy checks run on reports. We found no public information on per-country policy limits or per diem rules checked before submission, or several legal entities in one account.
SAP Concur Expense
Managers review, approve or reject expense reports and travel requests straight from the mobile app, and policy rules are applied in real time with violations flagged before submission — a validation agent checks reports for completeness and policy compliance before they go in. Country-specific policies are maintained and updated centrally, even when the law changes at short notice. I found no public information on approval routing by amount or cost centre, deputies and escalation, or a documented history of who approved what.
Reimbursement, travel allowances & VAT
Expensify
Approved claims are reimbursed in-app in 140+ currencies to 190+ countries in as little as one business day, and mileage runs on custom distance rates, which covers my people abroad. Foreign VAT reclaim runs through a named partner, VAT IT, from VAT analysis and classification through report preparation and submission to the tax authorities. We found no public information on statutory per diems, meal deductions or country rates maintained by the vendor, so the German travel-expense arithmetic would fall to me.
SAP Concur Expense
Domestic and foreign per diems are calculated fully automatically, with the statutory updates for 2026 and meal deductions applied centrally by the vendor — that takes the German travel-expense calculation off my desk. VAT is read from each receipt by the OCR, mileage runs on GPS, and after approval expenses are processed for reimbursement with employees described as reimbursed faster. I found no public information on a SEPA payment file, reimbursement timelines in a stated number of days, or foreign VAT reclaim.
Accounting handoff & DATEV
Expensify
Reports sync on final approval to QuickBooks, Xero, NetSuite and Sage Intacct with multi-level GL coding, receipts travel into the accounting exports, and there is a self-serve API plus CSV export templates and a ZIP download of receipts for the month-end. We found no public information on a DATEV interface, two-way ERP sync, webhooks, or a GoBD-compliant archive — the export my tax adviser would actually accept is not documented.
SAP Concur Expense
There is a direct connection to the DATEV solution, deep native integration into SAP S/4HANA, certified interfaces plus over 300 prebuilt connectors via SFTP and APIs, and a stated GoBD-compliant encrypted archive for audit-proof retention — that is an export my tax adviser would recognise. I found no public information on booking proposals that set account, tax key and cost centre, on receipt images travelling with the booking into DATEV, or on card statements being reconciled for the month-end.
European sovereignty
Expensify
The provider named in the terms is Expensify, Inc. of Portland, Oregon, with suppliers listed "including but not limited to" OpenAI, PayPal, Google Analytics and Spotnana, though the card chain does name European links — Transact Payments Malta under the Malta Financial Services Authority for EEA cardholders and Plaid Financial Ltd for UK bank connections. GDPR compliance is claimed and Europe-specific provisions exist in the privacy policy. We found no public information on where receipt, card and employee data is hosted, on an EU contracting entity, or on security certifications.
SAP Concur Expense
The contracting entity is Concur (Germany) GmbH in Eschborn, entered in the Frankfurt commercial register, with a German data protection officer contact and supervisory authority in Stuttgart, and a broad set of published certifications including ISO 27001 and SOC 2. The privacy policy names Concur Technologies, Inc. of Bellevue, Washington as a controller alongside a Dutch entity, however. I found no public information on where expense and receipt data is hosted, or on the subprocessors in the chain.
Pricing transparency
Expensify
Collect is listed at $5 per member/month with its inclusions, Control is "custom pricing as low as $9 per active member/month", and there is a free tier, a 30-day trial, discounts for annual commitments and card use, non-refundable fees and sales taxes on the customer. So I can price Collect for my thirty people, but not the Control plan I would actually need for ERP connectors and multiple approval flows. We found no public information on card fees, foreign-currency fees, or minimum seats and term.
SAP Concur Expense
The pricing information on the captured pages is "Preise anfragen" — request a price — with subscription pricing described only as "Abonnementpreisgestaltung flexibel für Ihr Unternehmen", and the free app download explicitly requires an active subscription. I cannot work out a monthly or annual cost from anything published; every customer is a sales conversation.
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.