SAP Concur vs 
Navan (2026 Comparison)
Navan is the modern, freemium travel-and-expense platform; SAP Concur is the heavyweight for global enterprise compliance.
Navan bundles free corporate travel booking, issued cards, and expense management into one slick, self-serve product that most companies can start on for free. SAP Concur is deeper for large, global enterprises with complex multi-entity travel, invoice, and audit-compliance requirements, but it is quote-only, slow to implement, and rated lower by users. Pick Navan unless you are a large enterprise that specifically needs Concur's compliance depth and ERP breadth.
- Best pick
- Navan
- Integration
- Migration / CSV export + accounting re-sync
- Setup
- 2-4 weeks
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Team Fit — who should build on what
Before pricing or features, get the fit right. Here's how SAP Concur and Navan map to real team profiles.
| Dimension | SAP Concur | Navan |
|---|---|---|
| Company size sweet spot | Large / global enterprise | Startup to mid-market (<300 employees free)Even |
| Pricing transparency | Quote-only, per-report + base fee | Free tier, then $15/active expense userEdge |
| Time to launch | Weeks to months with implementation fees | Self-serve, live in daysEdge |
| Travel program depth | Mature global travel + agency network | Modern integrated booking, strong inventoryEven |
| Compliance & audit controls | Deep audit, DLP, global tax/VATEdge | Solid real-time policy controls |
| User experience & ratings | Dated UI, 4.0 rating | Modern UX, 4.7 ratingEdge |
Who is SAP Concur best for?
Expense Management & Corporate Cards
Large and global enterprises with complex travel, expense, and invoice compliance.
- Large enterprises
- Global travel programs
- Complex compliance needs
Who is Navan best for?
Expense Management & Corporate Cards
Companies with frequent business travel wanting integrated booking and expense.
- Travel-heavy companies
- Teams wanting travel plus expense
- Finance & travel managers
Pricing & Features — what you actually pay for
Side-by-side plans with the fine print most comparison pages skip, plus a filterable feature matrix.
SAP Concur
Enterprise-grade travel, expense, and invoice management at scale.
Standard
Custom
- Expense capture & approvals
- Mobile receipts
- Standard integrations
Professional
Custom
- Advanced workflows
- Travel + invoice modules
- Analytics & audit
Hidden costs to watch
- Quote-only pricing, often per-report plus a base fee
- Implementation and setup fees are significant
- Travel and Invoice modules are priced separately
Navan
Combined business travel booking and expense management platform.
Free
$0
- Travel booking & expense
- Corporate cards
- Real-time policy controls
Enterprise
Custom
- Advanced travel program
- Dedicated support
- Custom integrations
Hidden costs to watch
- Monetized via travel bookings and interchange, not seat fees
- Enterprise and advanced travel features are quote-based
- Card program is subject to eligibility
Feature specs
3 of 9 features differ between these tools.
| Feature | SAP Concur | Navan |
|---|---|---|
| Receipt OCR / auto-capture | NativeNative | NativeNative |
| Corporate card issuanceConcur reconciles third-party card feeds but does not issue cards; Navan issues its own cards. | Not SupportedNot Supported | NativeNative |
| Integrated travel bookingConcur Travel is a separately priced module; travel is core to Navan and free. | Paid Add-onPaid Add-on | NativeNative |
| Invoice / AP automationConcur Invoice is a separate module. | Paid Add-onPaid Add-on | NativeNative |
| ERP / accounting integrationsConcur has the broader enterprise ERP catalog (SAP, Oracle). | NativeNative | NativeNative |
| Multi-currency & VAT reclaim | NativeNative | NativeNative |
| Real-time policy controls | NativeNative | NativeNative |
| Mobile app | NativeNative | NativeNative |
| Spend analytics dashboards | NativeNative | NativeNative |
Automation Blueprints — make them work together
The real payoff is the stack. These are concrete SAP Concur ↔ Navan workflows worth building.
Sync approved expense reports to your GL
Expense report approved
Report is fully approved and coded to a GL account
Create expense journal entry
Removes the manual re-keying that Concur implementations usually require, closing the books faster.
Flag out-of-policy trips for finance review
Trip booked outside policy
Fare or hotel exceeds policy threshold
Post alert to #finance-approvals
Delivers Concur-style compliance visibility in real time instead of after the expense report is filed.
Mirror historical Concur data during migration
Expense report exported
Report is from the trailing 12 months
Append row to migration archive
Preserves an auditable history when cutting over from Concur to Navan without paying to keep Concur active.
Frequently asked questions
Common questions about choosing between and combining SAP Concur and Navan.
Is Navan cheaper than SAP Concur?
Does SAP Concur issue corporate cards like Navan?
When is SAP Concur the better choice?
How hard is it to migrate from Concur to Navan?
Do both handle business travel?
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