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SAP Concur vs Navan

SAP Concur8.0/10

Navan6.0/10

Scored in Expense Management

The short answer

SAP Concur and Navan both join business travel with expense management, and they price it differently. SAP Concur charges per expense report with unlimited users: Base from $7 and Plus from $11, with Concur Travel only in the custom-priced Premium plan.

By LeadChange Research TeamUpdated Based on 10 sources, most recently checked

SAP Concur

Starting price
$7/report (Base plan)1
Best for
Companies with many occasional submitters, since pricing counts reports, not users

Choose SAP Concur if

  • You run SAP or want a catalog of 300 integrations.
  • Many employees file few reports: pricing is per report with unlimited users.
  • You want expense audits by SAP Concur's own auditors, sold as a service.
  • You want a support desk that answers employees directly (Plus and Premium).

What SAP Concur costsAlternatives to SAP Concur

Navan

Starting price
Free for 5 users, then $15/user/mo (Navan Business plan)2
Best for
Companies whose expenses are mostly business travel

Choose Navan if

  • You want travel booking included at no charge for up to 300 employees.
  • Five or fewer people file expenses each month: Navan Business is free for them.
  • You want to keep your Visa, Mastercard or American Express corporate cards.
  • You need ISO 27001 and GDPR stated next to SOC 2 Type II.

Navan plans and pricesNavan alternatives

LeadChange Score: editorial assessment based on public information.

Scorecard

SAP Concur wins 1Navan wins 12 ties

SAP Concur vs Navan by dimension
DimensionSAP ConcurNavan
CapabilitiesSAP Concur sells Expense, Travel, Invoice, ExpenseIt and Intelligence. Navan covers business travel, expenses, corporate cards, analytics, rewards and events. Both reconcile travel bookings with expenses. Concur Expense, Concur Travel, Concur Invoice, ExpenseIt, Intelligence37 of 10 core capabilities7 of 10 core capabilities
IntegrationsSAP Concur documents 300 integrations, including SAP, NetSuite, QuickBooks, Xero, ADP and Egencia. Navan lists NetSuite, QuickBooks Online, Xero, Sage and DATEV and publishes no total count. 300+4300+ native19 documented
Fit and supportBoth name small businesses, mid-market and enterprise as customers. SAP Concur offers 24/7 expert support; Navan offers 24/7 travel support agents and a customer success manager on Enterprise. Small businesses, mid-market companies, enterprises1Small businesses, mid-market companies, enterprisesSmall businesses, mid-market companies, enterprises
SecurityNavan states SOC 2 Type II, ISO 27001 and GDPR. SAP Concur states SOC 2 Type II and publishes its controls through the SAP Trust Center. Yes5SOC 2SOC 2, ISO 27001, GDPR

SAP Concur or Navan: what matters most to you?

We match on verified product facts for this need, never on who pays us.

Key differences

Where SAP Concur and Navan differ (4)
AttributeSAP ConcurNavan
Pricing modelTiered plans1Per user2
Support channels24/7 support from experts, User Support Desk for employees (Plus and Premium)124/7 travel support agents, designated account executive and customer success manager (Enterprise)2
Founded1993620157
OwnershipSubsidiary6Publicly traded7
Show 4 attributes where they are the same
Where they are the same (4)
AttributeSAP ConcurNavan
Price transparencyPartly published1Partly published2
Best forSmall businesses, mid-market companies, enterprises1Small businesses, mid-market companies, enterprises2
Mobile appsiOS, Android82
SOC 2 Type II95

Analysis by dimension

Pricing. SAP Concur lists from $7 (Base) and $11 (Plus) per expense report with unlimited users; travel needs the quoted Premium plan. Navan Business is free for 5 monthly expensing users, then $15 per user, with travel free. The lower bill depends on reports filed and on headcount.

Capabilities. SAP Concur sells Expense, Travel, Invoice, ExpenseIt and Intelligence. Navan covers business travel, expenses, corporate cards, analytics, rewards and events. Both reconcile travel bookings with expenses.

Integrations. SAP Concur documents 300 integrations, including SAP, NetSuite, QuickBooks, Xero, ADP and Egencia. Navan lists NetSuite, QuickBooks Online, Xero, Sage and DATEV and publishes no total count.

Fit and support. Both name small businesses, mid-market and enterprise as customers. SAP Concur offers 24/7 expert support; Navan offers 24/7 travel support agents and a customer success manager on Enterprise.

Security. Navan states SOC 2 Type II, ISO 27001 and GDPR. SAP Concur states SOC 2 Type II and publishes its controls through the SAP Trust Center.

Neither one?

Ramp

Ramp has the highest LeadChange Score in Expense Management after excluding these two (9.1/10).

From $0/user/mo10

Ramp review

Frequently asked questions

Is Navan cheaper than Concur?

For small teams it can be: Navan Business charges nothing for the first 5 monthly expensing users and includes travel. SAP Concur charges from $7 per expense report, and travel needs the quoted Premium plan. Past 5 expensing users, Navan adds $15 per user a month.

Do Concur and Navan include travel booking?

Navan Business includes travel booking free for companies of up to 300 employees. At SAP Concur, Concur Travel is part of Premium only, which is priced per customer.

Can I keep my corporate cards with Concur or Navan?

Yes. Navan Connect links existing Visa, Mastercard or American Express corporate cards; SAP Concur imports corporate card transactions automatically.

Who owns SAP Concur and Navan?

SAP Concur is sold by Concur Technologies, a subsidiary of SAP SE founded in 1993. Navan, founded in 2015, is a public company.

Which has more integrations, Concur or Navan?

SAP Concur documents 300 integrations. Navan publishes a list rather than a count, naming NetSuite, QuickBooks Online, Xero, Sage and DATEV.

Is SAP Concur or Navan more secure?

Both SAP Concur and Navan state SOC 2 Type II. Navan states ISO 27001 and GDPR (unverified for SAP Concur).

Who are SAP Concur’s biggest competitors?

SAP Concur ranks #6 of 9 in our expense management ranking. Besides Navan, the highest-scored are Ramp, Zoho Expense, and Expensify. Every alternative, matched to the reason you might switch: SAP Concur alternatives.

How this page was made

  • What it is built from

    28 verified facts, each checked against the vendor's own pages or another primary source, most recently on Oct 21, 2026.

  • Method

    Scored and compared with the LeadChange methodology, version 1.5. Read the methodology

  • Independent review

    Our independent review of Oct 30, 2026 asked for changes. How we review

  • Hands-on testing

    We have not tested either product hands-on: this page uses public information only.

  • Who made it

    The LeadChange Research Team, following a written research process. No named expert has reviewed this page. About us

  • Independence and errors

    Who pays us never changes a score or a rank. If something here is wrong, tell us and we correct it publicly. Request a correction

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SAP Concur vs Navan

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Sources

The 10 pages this page's facts come from, with the day we last checked each one. The numbers beside the figures above link here.

Quotes from the sources
  1. SAP Concur concur.com/about/pricing“Starting at $11 per report” “No matter how big or small your business is, or what your budget limits may be, we'll find a pricing option that works for you.”
  2. Navan navan.com/pricing“Navan Expense is free for the first 5 monthly expensing users, and then is $15 per user per month.” “An active expense user is anyone who submits a transaction into Navan expense by manual transaction or Navan Connect.”
  3. SAP Concur concur.com/products/concur-expense“Concur Expense can be combined with Concur Travel, Concur Invoice, and many other SAP Concur solutions to manage all business spending in one place.”
  4. SAP Concur concur.com“Choose from 300+ pre-built connectors and custom integrations that allow our solutions to work with your existing systems.”
  5. Navan trust.navan.com“SOC 2 Type 2” “ISO 27001:2022”
  6. Wikipedia en.wikipedia.org/wiki/SAP_Concur“Founded 1993; 33 years ago” “SAP SE agreed to acquire Concur Technologies in September 2014 for $8.3 billion.”
  7. Navan navan.com/about“In 2015, Navan co-founders Ariel Cohen and Ilan Twig, tired of fighting with hard-to-use legacy travel and expense tools” “closing its initial public offering in October 2025”
  8. SAP Concur concur.com/products/mobile-app“Get the SAP Concur app for iPhone or Android”
  9. SAP sap.com/about/trust-center/certification-compliance/sap-concur-soc-2-2026.html“SAP Concur has prepared SOC 2 Type 2 audit report by an independent 3rd party accountant.”
  10. Ramp ramp.com/pricing“$0/mo/user”

What the LeadChange Score means

A 0–10 editorial assessment built only from verified facts, across six weighted dimensions: capabilities, pricing, integrations, security, fit and support, and data confidence.

Payments, commissions and lead fees are never inputs.