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Software · head to head

SAP Concur vs Xero

SAP Concur logo

SAP Concur

Software

Travel, expense, and invoice management

From
$29/month
Rated
-
Full reviewWebsite
Xero logo

Xero

Software

Beautiful accounting software

From
$13/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; Xero the Early plan caps you at 20 invoices and 5 bills per month, and the invoice limit counts both approving and sending
  • They diverge on capability: SAP Concur covers Expense management, Xero covers Bank reconciliation.

Where they differ

Only the attributes on which SAP Concur and Xero actually diverge.

Attributes where SAP Concur and Xero differ
AttributeSAP ConcurXero
Starting price$29/month$13/month
PlatformsWeb, Ios, AndroidWeb, Ios, Android, Api
Founded19932006

Identical on both: pricing model (subscription), free tier (No), user rating (Not yet rated), category (Unknown).

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 Xero

  • Bank reconciliation
  • Invoicing
  • Bill payment
  • Expense claims
  • Financial reporting
  • Inventory tracking
  • Project tracking
  • Mobile apps

What people use each for

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

SAP Concur

  • Enterprise expense managementnot Xero
  • Corporate travelnot Xero
  • Invoice processingnot Xero

Xero

  • Small business bookkeeping, invoicing and bank reconciliationnot SAP Concur
  • Bill payment and purchase order managementnot SAP Concur
  • Sharing books with an accountant or bookkeepernot 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

Xero

  • The Early plan caps you at 20 invoices and 5 bills per month, and the invoice limit counts both approving and sending
  • Invoices created by connected app partners count against the Early plan invoice limit
  • Multiple currencies, project time and cost tracking, employee expense and mileage claims and industry benchmarking are restricted to the top Established plan at $90 per month
  • Cash flow forecasting is capped at 30 days on Early and 60 days on Growing, with 180 days only on Established
  • Payroll is not included in any plan and costs an extra $36 a month plus $6 per employee or contractor through Gusto
  • Inventory Plus is a paid optional add-on rather than part of any plan
  • The advertised 90% off applies only to the first 6 months, after which the regular $25, $55 or $90 monthly price auto-renews
  • The introductory discount excludes add-ons, usage charges and payment fees
  • Payment fees apply to online invoice payments and to bill payments other than standard domestic ACH, and are billed on top of the subscription
  • Subscriptions are billed monthly with no annual payment option, and after upgrading you must wait one month before downgrading to a cheaper plan
  • Xero states subscription prices are increasing from October 1, 2026

Pricing, plan by plan

SAP Concur

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

Xero

$13/month
  • Early$13/month
    • Send 20 invoices
    • Enter 5 bills
    • Reconcile bank transactions
  • Growing$37/month
    • Unlimited invoices & bills
    • Bulk reconcile transactions
    • Short-term cash flow
  • Established$70/month
    • Everything in Growing
    • Use multiple currencies
    • Track projects

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 Xero if

  • You need bank reconciliation.
  • You work on Web, Ios, Android, Api.
  • You also want invoicing.
Xero review

Questions people ask

Is SAP Concur or Xero better?
Neither clearly leads. SAP Concur starts at $29/month and Xero at $13/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, SAP Concur or Xero?
SAP Concur starts at $29/month and Xero at $13/month.
Does SAP Concur or Xero run on more platforms?
SAP Concur runs on Web, Ios, Android. Xero 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 Xero is typically brought in for.
What can SAP Concur do that Xero cannot?
SAP Concur covers Expense management, Travel booking, Invoice processing, Spend analytics. Xero covers Bank reconciliation, Invoicing, Bill payment, Expense claims.
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