Softwr

Accounting · head to head

Kodo vs Navan

Kodo logo

Kodo

Accounting

Corporate cards and intake to pay for Indian businesses

From
On request
Rated
-
Full reviewWebsite
Navan logo

Navan

Accounting

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: Kodo kodo is not a licensed issuer, so card limits, settlement cycles and eligibility come from a partner bank whose terms you do not directly control and which can change the programme.; Navan enterprise pricing requires quote request; no transparency on true per-user or per-transaction costs
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Kodo and Navan actually diverge.

Attributes where Kodo and Navan differ
AttributeKodoNavan
Starting priceOn requestFree
Pricing modelquotefreemium
Free tierNoYes
PlatformsWeb, iOS, AndroidWeb, iOS, Android, API

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

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 Kodo

  • Corporate cards
  • Purchase requests
  • Invoice capture and matching
  • Vendor payouts
  • GST and TDS handling
  • ERP integration
  • Approval workflows
  • Spend analytics

Only in Navan

Nothing recorded that Kodo does not also cover.

What people use each for

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

Kodo

  • An Indian startup replacing founder personal cards with issued cards carrying per employee limitsnot Navan
  • A finance team automating vendor payouts across NEFT, RTGS and UPI with maker checker approvalnot Navan
  • A company that needs GST compliant invoice coding flowing into Tally without rekeyingnot Navan
  • A business enforcing purchase requests and approvals before spend rather than reconciling it afterwardsnot Navan

Navan

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

Where each one falls short

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

Kodo

  • Kodo is not a licensed issuer, so card limits, settlement cycles and eligibility come from a partner bank whose terms you do not directly control and which can change the programme.
  • Indian regulatory changes on prepaid instruments and card issuing partnerships have repeatedly disrupted fintech card programmes, so continuity risk is higher here than in equivalent European or United States products.
  • Pricing is not published, so comparing Kodo against Happay, Zoho Expense or a bank corporate card requires a full sales cycle and disclosure of your spend volumes.
  • Coverage is India only, so any group with overseas subsidiaries runs a second card and payables system and loses the consolidated view.
  • The intake to pay workflow is lighter than a dedicated procurement suite, with limited contract management and supplier onboarding, so regulated or heavily audited buyers will find gaps.

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

Kodo

On request
  • Kodo$undefined/year
    • Quoted per customer, no published rate card
    • Card limits and settlement terms set by the sponsoring partner bank
    • Payout volumes and payment rails may carry per transaction charges

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 Kodo if

  • You need corporate cards.
  • You work on Web, iOS, Android.
  • You also want purchase requests.
Kodo review

Choose Navan if

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

Questions people ask

Is Kodo or Navan better?
Neither clearly leads. Kodo starts at On request and Navan at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Kodo or Navan?
Navan has a free tier; the other does not. Paid plans start at On request for Kodo and Free for Navan.
Does Kodo or Navan run on more platforms?
Kodo 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. Kodo starts at On request.
What is Kodo best used for?
Kodo is most often used for an indian startup replacing founder personal cards with issued cards carrying per employee limits, a finance team automating vendor payouts across neft, rtgs and upi with maker checker approval, a company that needs gst compliant invoice coding flowing into tally without rekeying, a business enforcing purchase requests and approvals before spend rather than reconciling it afterwards. Of those, an indian startup replacing founder personal cards with issued cards carrying per employee limits and a finance team automating vendor payouts across neft, rtgs and upi with maker checker approval are not what Navan is typically brought in for.
What can Kodo do that Navan cannot?
Kodo covers Corporate cards, Purchase requests, Invoice capture and matching, Vendor payouts.

Answered from the vendors’ own pages

Kodo: Who actually issues the cards?

A partner bank under a card network arrangement, not Kodo. Ask which bank, whether the product is credit or prepaid, and what happens to your limits if the partnership changes.

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
Kodo: Is pricing published?

No. Kodo quotes per customer, so benchmark against at least two Indian rivals before signing.

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
Kodo: Does Kodo work outside India?

No meaningful coverage outside India for card issuing or payouts.

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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