The short answer
Navan is a travel platform with expenses built in; Expensify is expense software that also books travel. Navan Business makes travel free for companies up to 300 employees and expense free for the first 5 monthly expensing users, then $15 per user a month.
LeadChange Score: editorial assessment based on public information.
Navan wins 0Expensify wins 32 ties
| Dimension | Navan | Expensify |
|---|---|---|
| PricingExpensify Collect costs $5 per member a month and Control $18 on a 12-month subscription. Navan Expense is free for the first 5 monthly expensing users, then $15 per user a month, with travel free up to 300 employees. For 20 people filing expenses, Expensify Collect costs $100 a month and Navan $225. | Free for 5 users, then $15/user/mo (Navan Business plan) | $5/user/mo |
| CapabilitiesExpensify documents all 10 of our expense capabilities and adds bill pay and invoicing. Navan documents 7 and adds business travel, advanced analytics and Navan Events. Expense management, Corporate card (Expensify Card), Travel booking, Global reimbursements, Bill pay, Invoicing | 7 of 10 core capabilities | 10 of 10 core capabilities |
| IntegrationsExpensify lists 45+ integrations, including QuickBooks, NetSuite, Sage Intacct, Xero, Workday and Gusto. Navan names NetSuite, QuickBooks Online, Xero, Sage and DATEV, and 30+ HRIS integrations. 45 | 19 documented | 45 native |
| Fit and supportExpensify names startups through enterprises; Navan sells Business up to 300 employees and Enterprise above. Expensify offers 24/7 live chat; Navan offers 24/7 travel support agents. Small businesses, mid-market companies, enterprises | Small businesses, mid-market companies, enterprises | Startups, small business, mid-market, enterprise |
| SecurityBoth state SOC 2 Type 2. Navan also lists ISO 27001:2022 and GDPR; Expensify also offers a SOC 1 Type 2 report. Yes | SOC 2, ISO 27001, GDPR | SOC 2 |
| Attribute | Navan | Expensify |
|---|---|---|
| Price transparency | Partly published | Published |
| Best for | Small businesses, mid-market companies, enterprises | Startups, small businesses, mid-market companies, enterprises |
| Support channels | 24/7 travel support agents, designated account executive and customer success manager (Enterprise) | 24/7 live chat, AI assistant (Concierge), account manager on accounts of 100+ members |
| Founded | 2015 | 2008 |
| Attribute | Navan | Expensify |
|---|---|---|
| Pricing model | Per user | Per user |
| Free plan | ||
| Mobile apps | iOS, Android | |
| SOC 2 Type II | ||
| Ownership | Publicly traded | Publicly traded |
Pricing. Expensify Collect costs $5 per member a month and Control $18 on a 12-month subscription. Navan Expense is free for the first 5 monthly expensing users, then $15 per user a month, with travel free up to 300 employees. For 20 people filing expenses, Expensify Collect costs $100 a month and Navan $225.
Capabilities. Expensify documents all 10 of our expense capabilities and adds bill pay and invoicing. Navan documents 7 and adds business travel, advanced analytics and Navan Events.
Integrations. Expensify lists 45+ integrations, including QuickBooks, NetSuite, Sage Intacct, Xero, Workday and Gusto. Navan names NetSuite, QuickBooks Online, Xero, Sage and DATEV, and 30+ HRIS integrations.
Fit and support. Expensify names startups through enterprises; Navan sells Business up to 300 employees and Enterprise above. Expensify offers 24/7 live chat; Navan offers 24/7 travel support agents.
Security. Both state SOC 2 Type 2. Navan also lists ISO 27001:2022 and GDPR; Expensify also offers a SOC 1 Type 2 report.
Ramp has the highest LeadChange Score in Expense Management after excluding these two (9.1/10).
From $0/user/mo
Navan Business, for companies up to 300 employees, makes travel free and expense free for the first 5 monthly expensing users, then $15 per user a month. An active expense user is anyone who submits a transaction that month. Above 300 employees, Navan Enterprise is quoted. Expensify Collect costs $5 per member a month.
Navan is built around booking: travel is free up to 300 employees, bookings sync with expenses and agents support travelers 24/7. Expensify also books travel and ties it to expense rules, but its strength is expenses for any card, in 190+ countries.
SAP Concur is the closest alternative for travel and expense together; Ramp and Brex if you want corporate cards with expenses built in; Zoho Expense and Rydoo for lower per-user prices. Navan also issues its own corporate cards, and Expensify has the Expensify Card.
Yes, with both. Navan Connect links existing Visa, Mastercard or American Express corporate cards to Navan Expense. Expensify imports corporate cards from 10k+ supported banks.
Navan reimburses out-of-pocket spend through payroll or bank within days. Expensify reimburses employees in their local currency by direct deposit to 190+ countries.
Yes. Navan closed its initial public offering in October 2025 and trades on the Nasdaq as NAVN. Expensify has been listed on Nasdaq under EXFY since November 10, 2021.
Both offer SOC 2 Type 2 reports; Expensify also has a SOC 1 Type 2 report and a bridge letter in its trust center. Navan lists ISO 27001:2022 and GDPR besides SOC 2. Expensify supports SAML single sign-on on Control.
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