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Accounting & Finance · head to head

SAP Concur vs Wise Business

SAP Concur logo

SAP Concur

Accounting & Finance

Travel, expense, and invoice management

From
$29/month
Rated
-
Full reviewWebsite
Wise Business logo

Wise Business

Accounting & Finance

The smart way to send and receive business payments

From
$29/month
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: SAP Concur listed on UK G-Cloud 14 at £0.21 to £9.70 per unit for SAP Concur Travel & Expense Professional Edition, submitted directly by SAP Concur, with the unit and billing period not further defined on the listing; Wise Business opening a Wise Business account in the UK carries a one off setup fee of 50 GBP
  • They diverge on capability: SAP Concur covers Expense management, Wise Business covers Multi-currency accounts.

Where they differ

Only the attributes on which SAP Concur and Wise Business actually diverge.

Attributes where SAP Concur and Wise Business differ
AttributeSAP ConcurWise Business
Pricing modelsubscriptionusage-based
PlatformsWeb, Ios, AndroidWeb, Ios, Android, Api
Founded19932011

Identical on both: starting price ($29/month), free tier (No), 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 SAP Concur

  • Expense management
  • Travel booking
  • Invoice processing
  • Spend analytics
  • Policy compliance
  • SAP
  • Oracle
  • Workday

Only in Wise Business

  • Multi-currency accounts
  • International transfers
  • Batch payments
  • API access
  • Team management
  • Xero
  • QuickBooks
  • Various

Both cover

  • Web support
  • Ios support
  • Android support

What people use each for

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

SAP Concur

  • Enterprise expense managementnot Wise Business
  • Corporate travelnot Wise Business
  • Invoice processingnot Wise Business

Wise Business

  • Holding and converting multiple currencies as a businessnot SAP Concur
  • Paying international suppliers and contractors at the mid market ratenot SAP Concur
  • Receiving payments into local currency account details in several countriesnot SAP Concur

Where each one falls short

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

SAP Concur

  • Listed on UK G-Cloud 14 at £0.21 to £9.70 per unit for SAP Concur Travel & Expense Professional Edition, submitted directly by SAP Concur, with the unit and billing period not further defined on the listing

Wise Business

  • Opening a Wise Business account in the UK carries a one off setup fee of 50 GBP
  • Volume discounts on transfers start only above 20,000 GBP equivalent sent per month

Pricing, plan by plan

SAP Concur

$29/month
  • Professional$8/month
    • Expense reporting
    • Receipt capture
    • Approvals
  • Premium$12/month
    • Travel booking
    • Invoice management
    • Analytics

Wise Business

$29/month
  • StandardFree
    • Multi-currency account
    • Real exchange rate
    • Batch payments

Which should you pick?

Choose SAP Concur if

  • You need expense management.
  • You work on Web, Ios, Android.
  • You also want travel booking.
SAP Concur review

Choose Wise Business if

  • You need multi-currency accounts.
  • You work on Web, Ios, Android, Api.
  • You also want international transfers.
Wise Business review

Questions people ask

Is SAP Concur or Wise Business better?
Neither clearly leads. SAP Concur starts at $29/month and Wise Business at $29/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, SAP Concur or Wise Business?
SAP Concur starts at $29/month and Wise Business at $29/month.
Does SAP Concur or Wise Business run on more platforms?
SAP Concur runs on Web, Ios, Android. Wise Business runs on Web, Ios, Android, Api.
What is SAP Concur best used for?
SAP Concur is most often used for enterprise expense management, corporate travel, invoice processing. Of those, enterprise expense management and corporate travel are not what Wise Business is typically brought in for.
What can SAP Concur do that Wise Business cannot?
SAP Concur covers Expense management, Travel booking, Invoice processing, Spend analytics. Wise Business covers Multi-currency accounts, International transfers, Batch payments, API access. Both handle Web support, Ios support, Android support.
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