SAP Concur vs Navan: Complete Comparison 2026

An in-depth comparison of features, pricing, and user experience to help you make the right choice.

SAP Concur

6.8(8,200 reviews)

Enterprise expense and travel management platform from SAP covering expense reports, travel booking, invoicing, and compliance controls.

8.4(3,800 reviews)

All-in-one travel and expense platform combining corporate travel booking, expense management, and corporate cards in a single interface.

Aspect	SAP Concur	Navan
Best For	Multinational corporations operating in 10+ countries that need global tax compliance and VAT reclaim	Companies where 30%+ of expenses come from business travel and want one platform for both
Pricing Model	Contact Sales	Contact Sales
Starting Price	$8/mo	Contact Sales
Deployment	cloud	cloud
Platforms	WEB, IOS, ANDROID	WEB, IOS, ANDROID
Rating	6.8/10	8.4/10

Unmatched global tax compliance with VAT reclaim in 30+ countries and per-diem rules by city
Native SAP ERP integration with real-time posting to S/4HANA eliminates manual journal entries
Handles travel booking, expenses, and invoices in one connected platform with shared data
Supports 48,000+ customers globally so finding implementation partners and training resources is easy
Audit trail and compliance reporting meet the requirements of even the most demanding regulatory environments

User interface feels outdated compared to modern expense tools and employees consistently rate it poorly
Implementation takes 3-12 months depending on complexity and requires a systems integrator at additional cost
Mobile receipt capture is slower and less accurate than Expensify, Ramp, or Fyle
Overkill for companies under 500 employees or operating in a single country without complex compliance needs
Pricing is opaque and typically requires negotiation with sales making budgeting difficult upfront

Seamlessly connects travel bookings to expense reports so 80% of trip expenses auto-populate
Travel inventory often beats consumer sites on pricing through direct airline and hotel negotiations
24/7 live travel agent support included for rebooking, cancellations, and emergencies
Navan corporate cards with real-time transaction matching eliminate manual receipt chasing
Employee rewards for choosing cheaper travel options create genuine cost-saving incentives

Pricing is completely opaque — no published rates, everything is custom negotiation per company
Expense management features alone are not competitive with dedicated tools like Brex or Fyle
Requires Navan cards to get full value — existing corporate card programs need to transition
Overkill for companies where travel is a small portion of overall expenses
Implementation can take 4-8 weeks for enterprise deployments with travel policy migration

Product	Pricing Model	Starting Price
SAP Concur	contact sales	$8/mo
Navan	contact sales	Contact Sales

Choose SAP Concur if...

Multinational corporations operating in 10+ countries that need global tax compliance and VAT reclaim

Choose Navan if...

Companies where 30%+ of expenses come from business travel and want one platform for both

Explore more alternatives or read in-depth reviews to make your decision.