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 Tax Adviser
A Steuerberaterin whose clients send their expenses from five different tools. Wants per diems and mileage at the statutory rates, the input VAT read from a receipt that actually qualifies for the deduction, substitute receipts only where the law allows them, scanned originals archived GoBD-compliant, and bookings that arrive in DATEV with the receipt image attached.
Expensify
SAP Concur Expense
This judge's pick
Criterion by criterion
Receipt capture & expense claims
Expensify
SmartScan transcribes merchant, date, amount and currency from receipts in most languages and currencies, mileage tracking with custom distance rates is included, and pre-built integrations import travel receipts automatically from named suppliers (Bolt Work, SpotHero, Grab, KAYAK for Business). We found no public information on a substitute receipt for lost originals, duplicate checks at submission, or a scanning procedure stated as GoBD-compliant, so paper originals could not be discarded on the strength of what I read.
SAP Concur Expense
Mobile capture by photo with OCR that reads amount, VAT and merchant, duplicate and anomaly checks before submission, automatic feeds from travel providers, online travel agencies and card companies, GPS-based mileage and GoBD-compliant photographing of receipts are all documented. We found no public information on a substitute receipt for lost originals, line-item extraction, or a certified replacement-scanning procedure, which is what I would need before advising a client to discard paper originals.
Company cards & spend control
Expensify
Unlimited physical and virtual cards carry per-card and group Smart Limits with a $0 limit that disables the card, default protections auto-decline blocked merchant categories, and Spend Rules approve or decline transactions in real time before authorization by amount, currency, merchant and merchant type; existing cards from 10k+ banks feed in for automatic matching, and the issuers and licences are named (The Bancorp Bank under Visa U.S.A., Transact Payments Malta, MFSA-registered C 91879, for EEA cardholders). We found no public information on single-use or subscription cards, period-based limits, or budgets that cards draw from.
SAP Concur Expense
Transactions from corporate credit cards flow into the system automatically and are matched against receipts and travel bookings, with real-time spend visibility and PCI Level-1 registration documented; the product issues no cards of its own on these pages. We found no public information on card limits, budgets, single-use cards, notifications or receipt reminders.
Approval workflows & expense policy
Expensify
Advanced Approval routes reports through a "Submits to" chain with category- and tag-specific approvers, escalation past an approver's limit, and trip approvals before booking, while delegated access lets colleagues create, submit or approve for another and auditors get review-only access; the expense policy is a PDF or text uploaded by a Workspace Admin, with vendor-stated local policy enforcement across borders and a detailed audit history. We found no public information on per-diem rules or duplicate checks before submission, or on several legal entities in one account.
SAP Concur Expense
A manager approval workflow with approve and reject from the mobile app, real-time policy checks flagging violations before submission, a validation agent for completeness, approval of travel requests, and centrally maintained country-specific policies with regulatory updates are documented. We found no public information on routing by amount, project or cost centre, deputies and escalation, granular roles, or an exportable audit trail 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 foreign VAT reclaim runs through a named partner, VAT IT, which handles the analysis, classification and submission to tax authorities. Mileage runs on custom distance rates the customer sets and VAT appears only as "advanced tax tracking"; we found no public information on statutory per diems, meal deductions or multi-day calculations per country, on German travel expense law, or on input VAT read per receipt and split by rate.
SAP Concur Expense
Domestic and foreign per diems are calculated fully automatically with the statutory updates for 2026 maintained centrally, including the meal deductions, and OCR captures the VAT on each receipt — the core of German travel expense law is clearly covered. We found no public information on statutory mileage rates, a VAT split by rate, checks that receipts meet the invoice requirements for the deduction, foreign VAT reclaim, or a SEPA payment file for the reimbursement itself.
Accounting handoff & DATEV
Expensify
Approved reports sync to named systems — Xero, NetSuite, Sage Intacct, QuickBooks — with multi-level GL coding, receipts travelling with the accounting export, a documented API with a full Integration Server Manual, and CSV exports with receipts downloadable as a ZIP. For my clients the decisive point: we found no public information on a DATEV interface, DATEV Unternehmen online or the Belegbilderservice, nor on a GoBD-compliant archive or booking proposals that learn account, tax key and cost centre.
SAP Concur Expense
A direct connection to DATEV, native integration with SAP S/4HANA, certified connectors with automated export to financial accounting, over 300 prebuilt connectors, APIs, and encrypted GoBD-compliant archiving are documented. We found no public information on the receipt image travelling with the booking into DATEV, booking proposals with account, tax key and cost centre, card statement reconciliation, or webhooks — for a client's DATEV accountant that gap matters.
European sovereignty
Expensify
The contracting entity is Expensify, Inc. of Portland, Oregon, and no hosting location for receipt, card or employee data is stated; the named subprocessors include US-headquartered OpenAI, Spotnana and Google Analytics. One European link exists — EEA cards are issued by Transact Payments Malta Limited under Malta Financial Services Authority registration C 91879 — but we found no public information on a published data processing agreement, security certifications, or EU hosting.
SAP Concur Expense
A German contracting entity in Eschborn registered at the Frankfurt commercial register, an EU controller in the Netherlands beside a US controller in Bellevue, a German supervisory authority, and an extensive certification stack including ISO 27001 and SOC 2 Type II are documented. Hosting location is not stated, the subprocessor chain is not listed, and the privacy policy describes hashed user IDs passed to Twitter, LinkedIn, Facebook, Instagram and Google; we found no public information on a published data processing agreement.
Pricing transparency
Expensify
Collect is public at "$5 per member/month" and Control is "custom pricing as low as $9 per active member/month", with a free tier, a 30-day trial, stated discounts for annual commitments and card use, and terms covering a 15-day price-change notice, one-year auto-renewal with 90-day notice, and customer responsibility for sales and use taxes. Card cash back of 1% on US purchases (2% over $250K monthly spend) is stated, but we found no public information on foreign-currency or physical-card fees, so the annual cost for a European client is not computable from the public pages.
SAP Concur Expense
The captured pages show only "Preise anfragen" — prices on request — with a subscription model described as flexible; the app is free to download but requires an active subscription. No tier, per-user price, module price, card fee, minimum term or setup cost is published, so a client cannot compute the annual cost from public 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.