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 Skeptic
Has seen "no more expense reports" turn into a card programme with a currency fee on every hotel abroad and a per-user price that counts everyone who ever logged in. Reads "DATEV integration" that means a CSV, "AI receipt scanning" with no word on where the receipts are read, card terms that leave the issuer unnamed, and subprocessor lists that stop at the hosting provider — and asks what leaving would cost.
Expensify
SAP Concur Expense
This judge's pick
Criterion by criterion
Receipt capture & expense claims
Expensify
SmartScan is described transcribing merchant, date, amount and currency with receipt scanning in most languages and currencies, and travel receipts flow in automatically from named partners (Bolt Work, SpotHero, Grab, KAYAK for Business, Delta for Business), with mileage tracked and receipts tied into audit trails and accounting exports. We found no public information on VAT rate and amount extraction per receipt, duplicate checks on submission, a substitute receipt for lost originals, or any GoBD-compliant scanning statement — so this sits above basic photo upload but well short of a documented German-compliant capture chain.
SAP Concur Expense
The mobile app photographs receipts with OCR that recognizes amount, VAT and merchant, checks reports for errors and duplicates with real-time anomaly detection, and pulls data automatically from travel providers, online travel agencies and credit card companies; GPS mileage and GoBD-compliant capture with encrypted revision-safe archiving are stated. We found no public information on line-item extraction, a substitute receipt for lost originals, or a certified scanning procedure with published accuracy.
Company cards & spend control
Expensify
Unlimited virtual cards, per-card and group Smart Limits with a $0 limit disabling the card, and Spend Rules that approve or decline in real time by currency, amount, merchant and merchant type before authorization, with non-removable blocked merchant-category protections — beside live feeds from existing corporate cards at over 10,000 banks with automatic matching. Issuers and licences are named for the US, and the EEA and UK cards run through Transact Payments Malta Limited (Malta Financial Services Authority, registration number C 91879) and Transact Payments Limited; note the captured pages give different issuer names for the card — Sutton Bank and The Bancorp Bank. We found no public information on budgets that cards draw from, single-use cards, or limits by period, which keeps this below the top level.
SAP Concur Expense
Corporate card transactions are transferred automatically and matched automatically to receipts and travel bookings, with real-time spend visibility and a PCI Level-1 registration of the provider. The captured pages name no card scheme or issuing institution, describe no limits, budgets, freezing or receipt reminders, and we found no public information on cards issued by the vendor itself.
Approval workflows & expense policy
Expensify
Three approval modes, routing via the submits-to and approves-to columns, escalation past approval limits, category- and tag-specific approvers, trip approvals, delegation with colleagues approving on your behalf, auditor review-only access and a detailed audit history are all documented. The expense policy itself is uploaded as a PDF or text document, and we found no public information on enforced per-country limits, per diem rules, several legal entities in one account, or an exportable audit trail.
SAP Concur Expense
Managers review, approve and reject claims in the mobile app, real-time policy checks flag violations before submission, an expense report validation agent checks completeness and policy compliance pre-submission, travel requests are approved from the phone, and country-specific policies are maintained centrally. The captured pages do not show routing by amount, cost centre or project, deputies, escalation, granular roles, multi-entity set-ups, or an exportable history of who approved what.
Reimbursement, travel allowances & VAT
Expensify
Reimbursement runs through the product in as little as one business day, in 140+ currencies to 190+ countries, with mileage at custom rates and tax handling described as advanced tax tracking and VAT tracking; foreign VAT reclaim is genuinely integrated with a named partner (VAT IT) covering analysis, classification and submission to tax authorities. We found no public information on statutory per diems or mileage rates maintained by the vendor, German travel expense law, meal deductions, or receipts checked against the invoice requirements of the deduction — the rates are custom, not kept current by anyone.
SAP Concur Expense
Domestic and international per diems are calculated fully automatically from travel data with statutory 2026 updates and meal deductions maintained centrally, mileage is tracked by GPS, VAT is recognized on each receipt, and multiple currencies are supported. We found no public information on how money reaches the employee — no SEPA payment file, no payroll handoff for taxable amounts — or on foreign VAT reclaim.
Accounting handoff & DATEV
Expensify
45+ integrations with named sync to QuickBooks, Xero, NetSuite and Sage Intacct, receipts travelling into accounting exports, multi-level GL coding, a documented self-serve API with an Integration Server Manual, and CSV export plus a receipts ZIP download. We found no public information on a DATEV interface, a GoBD-compliant archive, webhooks, or two-way ERP sync — and the CSV export arrives in a message from Concierge rather than a finance-grade pipeline — so the month-end close does not run through this product on the evidence shown.
SAP Concur Expense
A direct DATEV connection, deep native SAP S/4HANA integration, certified interfaces with automated export of accounting-relevant data, over 300 prebuilt connectors plus SFTP and APIs, and a stated GoBD-compliant encrypted archive are all documented. The captured pages do not show whether receipt images travel with the booking, whether booking proposals learn account, tax key and cost centre, two-way sync with ERPs, or webhooks.
European sovereignty
Expensify
The contracting provider is Expensify, Inc. of Portland, Oregon, hosting location is never stated, and the supplier list is open-ended ("including but not limited to") naming OpenAI for content monitoring, Google Analytics, PayPal, and Spotnana Technology, Inc. for travel — all US operations regardless of any server region, with US Cloud Act exposure attached. We found no public information on a data processing agreement or security certifications; the only European links in the chain are the EEA and UK card issuers, Transact Payments Malta Limited and Transact Payments Limited, and disputes go to individual arbitration with a class-action waiver.
SAP Concur Expense
A German contracting entity (Concur (Germany) GmbH, Eschborn, registered in Frankfurt under HRB 81415), a privacy policy naming the Baden-Württemberg supervisory authority with data-subject rights, and a broad certification stack including ISO 27001, ISO 27018 and SOC 2 Type II are documented. But we found no public information on hosting location or on the subprocessors beyond hashed user IDs shared with Twitter, LinkedIn, Facebook, Instagram and Google, and the privacy policy itself names Concur Technologies, Inc. of Bellevue, Washington as a controller alongside the Dutch entity.
Pricing transparency
Expensify
Collect is published at "$5 per member/month" with its inclusions, Control is only "custom pricing as low as $9 per active member/month", and there is a free tier plus a 30-day trial, with discounts for annual commitments and card use. We found no public information on card fees, foreign-transaction or currency-conversion fees, setup, or minimum seats; the terms add a 15-day price-change notice, auto-renewing one-year statements of work with a 90-day non-renewal notice, nonrefundable fees, and the customer paying sales and use taxes — so a buyer cannot compute the real annual cost from these pages alone.
SAP Concur Expense
The only pricing information we found is "Preise anfragen" and a subscription described as "Abonnementpreisgestaltung flexibel für Ihr Unternehmen"; the app is a free download that requires an active subscription. A buyer cannot compute any part of the annual cost from these pages: we found no public information on tiers, per-user prices, card or currency fees, minimum terms, or add-on and setup prices.
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.