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The best alternative to SAP Concur Travel & Expense

Do you want to automate business travel management? Spendesk is the complete spend management solution, combining expense report management with invoices, smart cards and digital accounting.


The 7-in-1 difference

  • 4x

    faster end-of-month closing

  • 100%

    visibility on all operational spend

  • £0

    setup & no hidden fees

  • 95%

    receipt reconciliation in just 2 days

  • Unlimited

    virtual cards, subscriptions & users

Spendesk & SAP Concur side by side

Spendesk combines travel expense management with smart payment methods and digital invoice management.

SAP Concur
Secure online payments
Employees pay autonomously with virtual cards
Pre-approval for employee payments
Pay on the road
Smart debit cards with built-in rules
Mobile app for Android & iOS
Digital invoice management
Pay bills digitally
Approval workflows for orders from employees
Preparatory accounting
Native accounting integrations
Claim travel expenses
Automated travel expense reports
Meal allowances

Settle all expenses centrally

Spendesk combines paperless expense reports with digital invoice management and smart payment tools
such as virtual & physical debit cards.

  • Approval and policies
  • Team budgets
  • Invoice payment
  • Expense tracking
  • Virtual & physical cards
  • Spending reports
  • Pre-accounting automation

Virtual cards to book business trips

Employees book their business trip, including trains or flights or a hotel reservation, autonomously and securely with a virtual card on the internet. Employees can make their travel bookings up to a certain pre-approved amount without a manager's approval. For higher amounts, the manager receives a notification that can be approved or rejected with one click in the mobile app, or via the Slack integration.

Physical debit cards with built-in travel policies

Paying in cash on business trips, advancing expenses, and submitting long expense reports every month are all a thing of the past. With Spendesk, each employee gets their own Mastercard debit card for payments on the road and can pay autonomously and securely. Managers & finance teams can individually approve time slots, days of the week, and expense categories for each employee to ensure all policies are met. The function to withdraw money from ATMs can be activated with one click.

Digital, automated travel expense reporting

If employees forget their card or card payments are not accepted, they can create a digital expense report in no time. They photograph their receipt and submit it with one click via the Spendesk mobile app. Using OCR technology, all important information is extracted automatically. And for finance teams, all travel expense reports can be viewed by finance teams from anywhere at any time. Reimbursements of a travel claim can be triggered directly in the Spendesk platform. Mileage allowances and additional subsistence expenses are also managed digitally & paperlessly in Spendesk.

All payments in one tool

Spendesk centralises expense reports, purchase orders, invoices, transactions, and preparatory accounting in one solution, and links employee requests to team budgets. This allows managers to check that each expense - such as the cost of a hotel stay during a business trip - fits within the budget. The company's travel policy is always respected before payments are approved. The finance team doesn't have to wait until the end of the month when employees submit their travel expense reports to see how much has been spent, and there are no more nasty surprises.

Digital accounting with the Xero integration

Manual expense reports submitted in various Excel spreadsheets cost finance teams a lot of time & energy at the end of the month. Spendesk not only centralises travel expense claims, but expense management in general: accounting sees all employee expenses and payment information in real time and expense claims are digital & paperless. Spendesk also automates VAT and the allocation of G/L accounts and receipts, saving finance teams an average of 2-3 days in month-end closing. Thanks to native integrations (including Xero), and customisable exports, you can export payments and receipts from Spendesk directly into your existing accounting systems.

Why Mention Me trusts Spendesk

“Spendesk has made my life literally a thousand times easier.”


The most frequently asked questions about Spendesk & SAP Concur.

Concur Travel & Expense, also known as SAP Concur Expense, is a software solution from SAP for automated travel expense report management. The cloud solution enables, among other things, mobile expense recording, and offers integrations with various ERP systems.

SAP Concur is mainly aimed at larger companies with several hundred employees. The tool is ideal if your company already uses SAP ERP or S/4HANA, as there is an integration with SAP Concur for this system landscape.

Spendesk is a complete spend management solution that gives finance teams 100% visibility and control over all business spend. The tool is aimed primarily at startups, scaleups, and small and medium-sized enterprises. The software combines secure payment methods such as Mastercard virtual debit cards with digital invoice management, preparatory accounting, and offers a native Xero integration.

Employees can pay autonomously and securely for what they need online and on the move, and the finance department has real-time access to all expenses with a complete overview.

Secure, customised payment methods, such as Mastercard virtual and physical cards, ensure all spend follows set policies. Approval workflows give managers the ability to approve or reject payments. Spendesk not only optimises your travel management, but also the complete expense and invoice management for all employees, and can be used in the office and on the road thanks to the online platform and mobile app.

Yes, the Spendesk app for Android & iOS can be downloaded free of charge by our customers from the App Store and Google Play. Instead of filling out an Excel spreadsheet, employees can use the app to submit their receipts and expense reports paperlessly & digitally and make requests to charge their physical card.

Spendesk is available for companies in the European Economic Area (including Germany, France, United Kingdom, Spain, Norway, Sweden, & Denmark) and in the United States.

Users can create their wallets with currencies in Euro (€), US Dollar ($), Pound (£), Danish Krone (DKK), Norwegian Krone (NOK) and Swedish Krone (SEK).

Yes! You can reach our Customer Support team by e-mail (, or through our Contact Us page. There you can make an appointment to speak to one of our team members on the phone. Our staff in Berlin, Paris and London will be happy to help you, free of charge of course.

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Last updated: 23 August 2021