# SAP Concur Expense — Expense Management SAP Concur Expense by Concur (Germany) GmbH holds a panel rating of 3/5 from 6 AI judges (category median 3/5), as of 2026-10-29. Provenance: EU-Made; sovereignty: not determined. - Vendor: Concur (Germany) GmbH (https://www.concur.de) - Category: [Expense Management](https://whats-best.ai/software/expense-management.md) - Provenance (editorial classification): EU-Made - Canonical page: https://whats-best.ai/software/expense-management/sap-concur - Alternatives: https://whats-best.ai/software/expense-management/sap-concur/alternatives ([markdown](https://whats-best.ai/software/expense-management/sap-concur/alternatives.md)) - Data as of: 2026-11-04 · evaluated 2026-10-29 · oldest source captured 2026-10-28 **AI-generated.** Every score, rationale and verdict here is written by a panel of AI judges from public evidence — an analysis, not a hands-on test. Every fact quotes the vendor page it was read from. No score can be bought. How scores are made: https://whats-best.ai/methodology ## At a glance - Vendor: Concur (Germany) GmbH - Headquarters: Not stated on the vendor’s pages as of 28 Oct 2026 - Data hosting: Not stated on the vendor’s pages as of 28 Oct 2026 - Free plan: Not stated on the vendor’s pages as of 28 Oct 2026 ## The panel's verdict SAP Concur Expense is the cloud expense-management platform of Concur (Germany) GmbH in Eschborn, part of the SAP group. It is strongest at receipt capture, scoring 7-8: photographs are read by OCR for amount, VAT and merchant, duplicates and anomalies are flagged before submission, card, email and travel-provider data flows in automatically, and GoBD-compliant capture with encrypted, revision-safe archiving is stated. Reimbursement and VAT is the most consistent criterion, at a flat 7 on fully automatic domestic and foreign per diems with centrally maintained statutory 2026 updates and meal deductions. Accounting export scores 6-7 on a direct DATEV connection, native SAP S/4HANA integration and over 300 prebuilt connectors. The weakest product areas are cards and spend control at 4-5, where only feeding and matching existing corporate cards is documented, and sovereignty at 3-4, where the privacy policy names Concur Technologies, Inc. of Bellevue, Washington as a controller beside the German and Dutch entities. Judges' scores clustered tightly, with no notable split; pricing transparency sits at 0-1, prices on request. **Speaks for it:** - Receipt capture scores 7-8, with photo OCR reading amount, VAT and merchant and duplicate and real-time anomaly checks before submission. - Domestic and foreign per diems are calculated fully automatically from travel data, with statutory 2026 updates and meal deductions maintained centrally by the vendor. - A direct DATEV connection, native SAP S/4HANA integration, over 300 prebuilt connectors with SFTP and APIs, and a stated GoBD-compliant encrypted archive are documented. - Corporate card transactions transfer automatically and are matched to receipts and travel bookings, with real-time spend visibility across the company. - Country-specific policies are maintained and updated centrally, even when laws change at short notice. **Held against it:** - Cards and spend control scores 4-5, and we found no public information on card schemes or issuing institutions, vendor-issued cards, per-card limits, budgets, virtual cards or receipt reminders. - Sovereignty scores 3-4, and the privacy policy names Concur Technologies, Inc. of Bellevue, Washington as a controller alongside a German contracting entity and a Dutch one. - The privacy policy describes hashed user IDs being passed to Twitter, LinkedIn, Facebook, Instagram and Google, and the listing records legal entity jurisdiction, ownership, data residency and subprocessor exposure as unknown. - We found no public information on approval routing by amount, cost centre or project, on deputies and escalation, or on an exportable audit trail of who approved what. - We found no public information on how reimbursement reaches the employee — a SEPA payment file or payroll handoff for taxable amounts — or on foreign VAT reclaim. **Best for:** - You run German travel-expense compliance and want per diems, meal deductions and statutory 2026 rates maintained centrally rather than by your team. - Your books sit in DATEV or SAP S/4HANA and you need certified, automated export into financial accounting. - Your employees capture expenses on the road — photo capture with OCR, offline mode and GPS-based mileage are documented. - You already issue corporate cards and mainly need their transactions auto-matched to receipts and travel bookings. **Avoid if:** - You want the expense vendor itself to issue corporate cards with per-card limits and budgets — the documented capability is feeding cards you already hold. - Your data-protection review cannot accommodate a US controller — the privacy policy names Concur Technologies, Inc. of Bellevue, Washington alongside the German and Dutch entities. - You need published prices before engaging sales — the captured pages offer only "Preise anfragen" and a subscription described as flexible. ## Scores by judge and criterion Scores out of 5, each judge scoring independently against the published rubric (v1). "n/r" = not rated: the vendor publishes no price, or the judge found no public information on that criterion. | Criterion | The Travelling Employee | The Office Manager | The Controller | The Finance Lead | The Tax Adviser | The Skeptic | | --- | --- | --- | --- | --- | --- | --- | | Receipt capture & expense claims | 4/5 | 4/5 | 4/5 | 3.5/5 | 3.5/5 | 3.5/5 | | Company cards & spend control | 2.5/5 | 2.5/5 | 2.5/5 | 2/5 | 2/5 | 2/5 | | Approval workflows & expense policy | 3/5 | 3.5/5 | 3/5 | 3/5 | 3/5 | 3/5 | | Reimbursement, travel allowances & VAT | 3.5/5 | 3.5/5 | 3.5/5 | 3.5/5 | 3.5/5 | 3.5/5 | | Accounting handoff & DATEV | 3.5/5 | 3/5 | 3.5/5 | 3.5/5 | 3/5 | 3/5 | | European sovereignty | 2/5 | 1.5/5 | 2/5 | 2/5 | 2/5 | 2/5 | | Pricing transparency | n/r | n/r | n/r | n/r | n/r | n/r | | **Weighted verdict** | **3.5/5** | **3/5** | **3/5** | **3/5** | **3/5** | **3/5** | ### The judges - **The Travelling Employee** (v1.0): 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. - **The Office Manager** (v1.0): 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. - **The Controller** (v1.0): Owns the travel and expense policy of a manufacturer with four legal entities and twelve hundred staff. Wants approval chains by cost centre and amount, limits checked before a claim is submitted rather than after it is paid, duplicates and private spending caught, budgets that cards draw from, and an audit trail that shows who approved and changed what. - **The Finance Lead** (v1.0): 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. - **The Tax Adviser** (v1.0): 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. - **The Skeptic** (v1.0): 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. ## European sovereignty — proven facts Built only from facts on the vendor's own pages; a dimension we could not prove is left open, never scored as zero. Headline: not determined. | Dimension | Finding | Points | Source | |---|---|---|---| | Legal entity | Not determined | — | — | | Hosting location | Not determined | — | — | | Hosting options | Not determined | — | — | | Open source | Not determined | — | — | | Data processing agreement | Not determined | — | — | | Transfer impact assessment | Not determined | — | — | ## Key facts Each fact is the vendor's own statement, cited to the source page it was read from ([S*n*] → Sources). **Compliance** - Csa star: yes [S7] - Encryption security: encryption, secure login, privacy standards compliance [S8] - Fedramp: 2024 · Authorized · yes [S7] - Gobd: yes [S1] - Gobd archiving: yes · yes [S2] - Irap: yes [S7] - Ismap: yes [S7] - ISO 22301: yes · annual · 2021 [S7] - ISO 27001 9001: yes · yes · 2004 · annual [S7] - ISO 27017: yes [S7] - ISO 27018: PII protection in cloud services · yes [S7] - Kritis: German critical infrastructure · yes [S7] - Pci: Level-1 Visa · yes · annual [S7] - Soc1 type2: 2010 · yes · SSAE18 · ISAE3402 · 6 [S7] - SOC 2 type2: 2017 · yes · 6 [S7] - Spain ens: 2024 · Expense · Request · Travel · yes [S7] - Supervisory authority: Lautenschlagerstraße 20, 70173 Stuttgart · Landesbeauftragter für den Datenschutz und die Informationsfreiheit Baden-Württemberg [S5] **Data** - Advertising ids: Einwilligung oder gesetzlich zulässig · Twitter · LinkedIn · Facebook · Instagram · Google [S5] - Call recording: yes · mit vorheriger Zustimmung [S5] - Data subject rights: zugriff · berichtigung · löschung · datenübertragbarkeit · einschränkung · widerspruch · widerruf_einwilligung · beschwerde_behörde [S5] - Minimum age: 16 [S5] - Retention: verarbeitet nur so lange wie erforderlich; Aufbewahrung bis Ende gesetzlicher Fristen oder Erlöschen von Ansprüchen; kein konkretes Zeitlimit angegeben [S5] **Hosting** - Platforms: yes · yes [S8] **Integrations** - Certified connectors: yes · yes [S2] - Connectors count: yes · 300 [S1] - Ecosystem: yes [S8] - Erp datev: yes · yes · yes [S1] - Hundreds of integrations: Hunderte von Integrationen und Partner-Apps, u. a. ERP, HR, Buchhaltung [S2] - Methods: SFTP · prebuilt connectors · APIs · accounting · HR · ERP [S7] - Prebuilt connectors count: yes · 300 [S2] **Legal** - Address: Eschborn · Frankfurter Straße 1 · Germany · 65760 [S4] - Commercial register: HRB 81415 · Frankfurt a.M. [S4] - Controller bv: Concur Holdings (Niederlande) B.V. [S5] - Controller US: Concur Technologies, Inc. · 601 108th Avenue NE, Suite 1000, Bellevue, WA 98004 [S5] - Copyright holder: 2026 · Concur Technologies, Inc. [S3] - Copyright holder: Concur Technologies, Inc., © 2026 [S4] - Copyright holder: 2026 · Concur Technologies, Inc. [S6] - Copyright holder: 2026 · Concur Technologies, Inc. [S7] - Copyright holder: Concur Technologies, Inc. [S8] - Entity: Concur Technologies, Inc. · SAP SE · 601 108th Ave NE, Suite 1000, Bellevue, Washington · Delaware [S6] - Entity: Concur (Germany) GmbH · Frankfurter Straße 1, 65760 Eschborn, Germany [S7] - Entity address: Concur (Germany) GmbH · Frankfurter Straße 1, 65760 Eschborn, Germany [S3] - German entity: Concur (Germany) GmbH · Frankfurter Straße 1, 65760 Eschborn, Germany [S1] - Registered office: Eschborn [S4] - Terms reference: Site is governed by the SAP Website Terms of Use, with the SAP Store annex and other site-specific annexes excluded [S6] - VAT id: DE 045/230/64334 [S4] **Pricing** - App free subscription required: yes · yes [S8] - Model: quote on request · no [S1] - Subscription flexible: subscription · yes [S2] **Product** - AI anomaly detection: yes · yes [S2] - AI automation: Concur Expense automatisiert den Ausgabenmanagementprozess mit SAP-KI (Joule) [S2] - AI receipt compliance check: yes · yes [S1] - App center: yes [S3] - Approval reject: yes [S8] - Approval workflow: Genehmigungsworkflow durch Manager [S2] - Auto matching: yes [S8] - Automated expense import: travel providers · online travel agencies · credit card companies [S3] - Automated policy compliance: yes [S8] - Case study results: The Ocean Cleanup · 406 · 53 · 53 [S2] - Cloud platform: yes [S1] - Combinable with concur travel: yes [S2] - Corporate card integration: Firmenkreditkarten-Integration überträgt Transaktionen automatisch [S2] - Country specific policies: yes [S3] - Datev direct connection: yes [S3] - End to end processes: yes [S3] - Erp integration: yes [S8] - Expense: expense management, view and manage expenses anywhere anytime [S7] - Expense capabilities: automatic receipt capture with AI · transparency and compliance · IT integration · faster employee reimbursement [S1] - Expenseit: yes [S8] - Expenseit receipt capture: KI-gestützte Belegerfassung (ExpenseIt) extrahiert Details automatisch aus Belegen [S2] - Global availability: yes [S8] - Gps mileage tracking: yes [S8] - Implementation time: Implementation within 4 weeks [S3] - Joule assistant: Generative AI assistant Joule integrated with SAP Concur [S1] - Joule assistant: Joule-KI-Assistent erstellt Abrechnungen; Expense Report Validation Agent prüft vor Einreichung [S2] - Mobile approvals: yes [S8] - Mobile expense management: Mobiles Ausgabenmanagement für Mitarbeitende und Manager [S2] - Mobile receipt capture: yes · yes [S3] - Ocr extraction: yes [S8] - Ocr receipt scan: Mobile Belegerfassung per Foto mit OCR erkennt Beträge, MwSt. und Händler [S2] - Offline mode: yes [S8] - Partner projects: 40000 [S3] - Per diem automatic: Automatische Berechnung von In- und Auslandsdiäten inkl. gesetzlicher Updates 2026 [S2] - Platform description: AI-supported central platform for business travel & expense management, from trip planning to reimbursement [S1] - Policy checks: Echtzeit-Richtlinienkontrollen [S2] - Realtime spend visibility: yes [S8] - Receipt capture camera: yes [S8] - Recognition claim: Vendor claims G2 #1 and IDC leadership across enterprise, midsize, small business and travel booking software [S1] - Regulatory updates: yes [S3] - Rental car booking: yes [S8] - Reporting analytics: Reporting und Analysen [S2] - Required fields gobd: Intelligente Pflichtfelder für GoBD-konforme Abrechnungen [S2] - Self guided tours: yes [S1] - SSO biometric login: yes [S8] - Travel: policy-compliant booking, duty of care, integrates with Concur Expense [S7] - Travel booking: yes [S8] - Travel capabilities: autonomous AI assistant trained on company policies · supplier content and booking options · works with any TMC or GDS · user-friendly booking incl. sustainable options [S1] - Travel expense integration: Verbindung von Reisebuchungen mit Reisekostenabrechnung [S2] **Subprocessors** - Sanctions screening: Sanktionslisten-Prüfung (EU, DPL, OFAC SDN, Entity Lists, UN) [S5] **Support** - Trust center: Link to SAP Trust Center [S7] - Video demos: Concur Expense · Concur Travel · yes [S1] ## Questions ### Is SAP Concur Expense European? Yes. whats-best.ai classifies SAP Concur Expense as EU-Made. ### Where does SAP Concur Expense store data? Not stated on the vendor’s pages as of 28 Oct 2026. ### Does SAP Concur Expense have a free plan? Not stated on the vendor’s pages as of 28 Oct 2026. ### What are the best alternatives to SAP Concur Expense? As of 3 Nov 2026, the panel rates [Moss (4/5)](https://whats-best.ai/software/expense-management/moss), [N2F (3.5/5)](https://whats-best.ai/software/expense-management/n2f) and [Spendesk (3.5/5)](https://whats-best.ai/software/expense-management/spendesk) highest among the other 18 Expense Management products evaluated. Ratings that look equal are rounded to half stars; the order uses the unrounded rating, then the name. The highest-rated European alternative is [Moss](https://whats-best.ai/software/expense-management/moss) (EU-Made). Ratings are the AI panel’s opinion, formed from public evidence: [how scores are made](https://whats-best.ai/methodology#ordering). The full list, with European products first: [SAP Concur Expense alternatives](https://whats-best.ai/software/expense-management/sap-concur/alternatives). ## Head-to-head - [SAP Concur Expense vs Expensify](https://whats-best.ai/compare/expensify-vs-sap-concur.md) ## What this page leaves out - 3 compliance facts could not be confirmed on the vendor’s page as captured and were left out of this page and of the panel’s material. - 3 product facts could not be confirmed on the vendor’s page as captured and were left out of this page and of the panel’s material. - 2 legal facts could not be confirmed on the vendor’s page as captured and were left out of this page and of the panel’s material. - 1 support fact could not be confirmed on the vendor’s page as captured and was left out of this page and of the panel’s material. - 6 of the readings below were written against an earlier fact sheet — a fact has been corrected, added or pulled since. Until the panel next runs on this product you are reading the older judgement. ## Sources - [S1] Vendor homepage: https://www.concur.de/ (checked 2026-10-28) - [S2] Features page (Concur Expense): https://www.concur.de/products/concur-expense (checked 2026-10-28) - [S3] Features page (DATEV integration): https://www.concur.de/integrations/datev (checked 2026-10-28) - [S4] Legal notice: https://www.concur.de/about/impressum (checked 2026-10-28) - [S5] Privacy policy: https://www.concur.de/about/datenschutz (checked 2026-10-28) - [S6] Terms of service: https://www.concur.de/about/terms-of-use (checked 2026-10-28) - [S7] Security / trust page: https://www.concur.de/solutions/it-datenschutz (checked 2026-10-28) - [S8] Receipt capture & expense claims — found from sitemap: https://www.concur.de/products/mobile-app (checked 2026-10-28) --- Cite as: whats-best.ai, "SAP Concur Expense — Expense Management", AI panel analysis, as of 2026-11-04. https://whats-best.ai/software/expense-management/sap-concur Corrections: https://whats-best.ai/correct/1081?target=page