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 Travelling Employee
A sales engineer on the road three days a week, with hotel bills in three currencies and a glovebox full of parking tickets. Wants to photograph a receipt and be done, mileage and per diems worked out without a spreadsheet, a company card so private money is never spent, and the money back on the account within days rather than at the end of the quarter.
Expensify
SAP Concur Expense
This judge's pick
Criterion by criterion
Receipt capture & expense claims
Expensify
SmartScan reads merchant, date, amount and currency in seconds and works in most languages and currencies, which is the photograph-and-forget flow I live on, and travel receipts import automatically from named partners like Bolt, SpotHero, Grab and KAYAK for Business. Mileage and distance tracking are included and submissions run policy checks. We found no public information on VAT-rate extraction, route calculation for mileage, a substitute receipt for lost originals, or GoBD-compliant replacement scanning.
SAP Concur Expense
Snap the receipt and the AI reads amount, VAT and merchant straight into a categorized expense, works offline on the plane and syncs later; travel supplier, online agency and card data flow in automatically and duplicates are caught before submission, with GPS mileage on top. I found no public information on a substitute receipt for lost originals, line-item extraction or a certified scanning procedure.
Company cards & spend control
Expensify
The Expensify Card gives every holder a Smart Limit per card or group, unlimited virtual cards, and Spend Rules that approve or decline a transaction in real time before authorization by currency, amount, merchant and merchant category — control at the moment of payment, which is what I want before the hotel bill lands. Existing corporate cards from 10,000+ banks feed in for automatic reconciliation, and the issuers and licences are named, including Transact Payments Malta under the MFSA for EEA residents. We found no public information on period-based limits, single-use or subscription cards, or budgets that cards draw from.
SAP Concur Expense
Corporate card transactions arrive automatically and are matched to receipts and travel bookings, with real-time visibility of company spend — that is the live-feed half of the equation. The issuers are not named, and the captured pages are silent on own cards, limits, virtual cards, budgets and receipt reminders.
Approval workflows & expense policy
Expensify
Advanced Approval routes reports through a submits-to and approves-to chain with per-approver limits that escalate, category and tag-specific approvers, and trip approvals before booking; delegated access covers colleagues approving on my behalf and the Auditor role gives review-only sight of the data. An expense policy attaches to the workspace and submissions run policy checks, with a detailed audit history and receipts visible in audit trails. We found no public information on several legal entities in one account or a full exportable audit trail.
SAP Concur Expense
Policy is applied in real time with violations flagged before I submit, a validation agent checks reports for completeness, country-specific policies are maintained centrally with statutory updates, and managers approve or reject expense reports and travel requests from the phone. The captured pages give no routing by amount, cost centre or entity, no deputies, no role model and no exportable audit trail.
Reimbursement, travel allowances & VAT
Expensify
Reimbursement runs in-app to bank accounts in 190+ countries, in 140+ currencies, in as little as one business day — the fastest documented payback I could ask for after a week of hotels. Mileage uses custom rates, VAT tracking is included, and a named partner, VAT IT, handles VAT analysis, eligibility classification and submission to tax authorities for reclaiming foreign VAT. We found no public information on statutory per diems or meal deductions maintained per country, or on receipts checked against invoice requirements for the deduction.
SAP Concur Expense
Domestic and foreign per diems are calculated automatically from the travel dates, with the vendor feeding the 2026 statutory updates and meal deductions centrally, GPS mileage feeding the claim, and VAT read off every receipt — the vendor-maintained statutory engine is the strong part. How and how fast I actually get paid is not stated, and I found no public information on foreign VAT reclaim or payroll separation of taxable reimbursements.
Accounting handoff & DATEV
Expensify
Reports sync automatically to named systems — QuickBooks, Xero, NetSuite, Sage Intacct — at final approval, with multi-level GL coding, card feeds reconciled, receipts travelling with the accounting export, and a documented self-serve API plus CSV and receipt ZIP exports. As someone whose books sit with a German accountant, though, we found no public information on a DATEV interface, booking proposals that learn accounts and tax keys, webhooks, or a GoBD-compliant archive.
SAP Concur Expense
A direct DATEV connection, native SAP S/4HANA integration, over 300 prebuilt connectors, SFTP and API routes, and GoBD-compliant encrypted archiving give the books plenty to work with. The captured pages give no booking proposals that learn account, tax key and cost centre, no receipt images delivered into DATEV, and no webhooks.
European sovereignty
Expensify
The provider is Expensify, Inc. of Portland, Oregon, and the captured legal pages name US suppliers in the chain — OpenAI for the AI assistant, Spotnana for the travel platform, Google Analytics, PayPal and Bancorp — with an open-ended supplier list in the terms. The one firm European link is card issuing: EEA cards come from Transact Payments Malta Limited, authorized by the Malta Financial Services Authority. Data residency, a published data processing agreement, a subprocessor list with locations, and security certifications are unknown on the captured pages.
SAP Concur Expense
The contracting entity is a German GmbH in Eschborn with a German supervisory authority named, and the certification list is long (ISO 27001, SOC 2, PCI and more), though the privacy policy also names a US controller. I found no public information on hosting location, a subprocessor list or a data processing agreement, which is what a buyer of expense data most needs to see.
Pricing transparency
Expensify
The pricing page publishes Collect at "$5 per member/month" and Control as custom pricing "as low as $9 per active member/month", with a free tier, a 30-day trial, and stated discounts for annual commitments and card use; the terms add non-refundable fees, a 15-day price-change notice and a one-year auto-renewing agreement with 90 days' non-renewal notice. Card fees, foreign-currency fees, minimum seats and setup are not priced publicly and Control's real price is a sales conversation, so I can only compute the annual cost for the cheapest tier.
SAP Concur Expense
Only "Preise anfragen" — quote on request — with subscription pricing described as flexible for the company and the app free to download but requiring an active subscription. The captured pages give no price figure of any kind: no tier, no per-user price, no card or currency fees, so a buyer cannot compute an annual cost from them.
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.