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Accounting & Finance · head to head

Fyle vs Navan

Fyle logo

Fyle

Accounting & Finance

Real-time expense management that works with your cards

From
$29/month
Rated
-
Full reviewWebsite
Navan logo

Navan

Accounting & Finance

AI-powered corporate travel and expense management with integrated corporate card

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Navan has a free tier, so it costs nothing to try first.
  • Each has a real cost: Fyle billed per active user, defined as anyone who creates an expense or has a connected card with transactions in the month, so headcount does not predict the bill; Navan enterprise pricing requires quote request; no transparency on true per-user or per-transaction costs

Where they differ

Only the attributes on which Fyle and Navan actually diverge.

Attributes where Fyle and Navan differ
AttributeFyleNavan
Starting price$29/monthFree
Pricing modelsubscriptionfreemium
Free tierNoYes
PlatformsWeb, Ios, AndroidWeb, iOS, Android, API
Founded2016Unknown

Identical on both: user rating (Not yet rated), category (Accounting & Finance).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Fyle

  • Real-time card tracking
  • Automatic receipt matching
  • Expense policies
  • Approval workflows
  • Mileage tracking
  • QuickBooks
  • Xero
  • Sage Intacct

Only in Navan

Nothing recorded that Fyle does not also cover.

What people use each for

The jobs each tool is most often brought in to do.

Fyle

  • Expense reporting and corporate card reconciliationnot Navan
  • Enforcing spend policy and approvals before reimbursementnot Navan

Navan

  • Mid-market and enterprise companies automating travel and expense workflowsnot Fyle
  • Organisations seeking to reduce travel costs through policy enforcement and AI-driven discountsnot Fyle
  • Teams utilising corporate card programmes for spend tracking without receipt capture overheadnot Fyle
  • Global enterprises requiring multi-currency support and ERP integrationnot Fyle
  • Companies where employee autonomy is prioritised; AI assistant enables self-service booking and policy compliancenot Fyle

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Fyle

  • Billed per active user, defined as anyone who creates an expense or has a connected card with transactions in the month, so headcount does not predict the bill
  • The Growth plan carries a 5 user minimum and the Business plan a 10 user minimum, so the entry cost is set by the floor rather than the team
  • API access and the Sage Intacct and NetSuite integrations require a paid tier
  • ACH reimbursements and project expense tracking sit above the entry plan
  • Both published plans are billed annually
  • Enterprise pricing is custom and aimed at organisations with 250 or more employees

Navan

  • Enterprise pricing requires quote request; no transparency on true per-user or per-transaction costs
  • Expense management charges apply beyond 5 users, increasing per-user costs for larger teams
  • Corporate card programmes (Navan Card, Connect) complicate adoption by requiring banking integration
  • AI assistant (Navan Edge) lacks transparency on data handling; unclear whether conversation data is retained for model training
  • Limited EMEA coverage; emerging market travel inventory less comprehensive than global GDS systems

Pricing, plan by plan

Fyle

$29/month
  • Standard$8/month
    • Real-time card feeds
    • Receipt matching
    • Basic approvals
  • Business$12/month
    • Advanced policies
    • Custom workflows
    • Analytics
  • Enterprise$undefined/month
    • Unlimited users
    • API access
    • Priority support

Navan

Free
  • Navan BusinessFree
    • Unlimited flight, hotel, train, rental car bookings
    • Global inventory across 178+ countries
    • 24/7 travel support
  • Navan Business (Expense add-on)$15/month
    • Additional expense management users (beyond 5 free)
    • Receipt scanning and categorisation
    • ERP integration (30+ connectors)
  • Navan EnterpriseFree
    • Custom pricing
    • Dedicated account management
    • Negotiated corporate rates

Which should you pick?

Choose Fyle if

  • You need real-time card tracking.
  • You work on Web, Ios, Android.
  • You also want automatic receipt matching.
Fyle review

Choose Navan if

  • You want to start without paying.
  • You work on Web, iOS, Android, API.
Navan review

Questions people ask

Is Fyle or Navan better?
Neither clearly leads. Fyle starts at $29/month and Navan at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Fyle or Navan?
Navan has a free tier; the other does not. Paid plans start at $29/month for Fyle and Free for Navan.
Does Fyle or Navan run on more platforms?
Fyle runs on Web, Ios, Android. Navan runs on Web, iOS, Android, API.
Can I use Navan for free?
Yes. Navan has a free tier, so you can try it without paying. Fyle starts at $29/month.
What is Fyle best used for?
Fyle is most often used for expense reporting and corporate card reconciliation, enforcing spend policy and approvals before reimbursement. Of those, expense reporting and corporate card reconciliation and enforcing spend policy and approvals before reimbursement are not what Navan is typically brought in for.
What can Fyle do that Navan cannot?
Fyle covers Real-time card tracking, Automatic receipt matching, Expense policies, Approval workflows.

Answered from the vendors’ own pages

Navan: Is Navan's travel booking free?

Yes. Navan Business travel bookings are free, supported by supplier commissions. Expense management is free for the first 5 users monthly; additional users cost £15/month each.

Source
Navan: What is Navan Edge?

Navan Edge is an AI travel assistant integrated into chat that handles flight, hotel, and restaurant enquiries, provides recommendations, processes cancellations and rebookings, and escalates to human support 24/7.

Source
Navan: Does Navan integrate with our ERP system?

Yes. Navan provides 30+ pre-built ERP connectors (SAP, Oracle, NetSuite, etc.) and REST APIs for real-time spend sync and invoice reconciliation.

Source
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