SAP Concur vs Wise Business: Pricing and Ratings Compared (2026)
Entry prices and free plans as read on each vendor's pricing page, and user ratings as published on review sites, for SAP Concur and Wise Business side by side. This page compares data; it is not a hands-on review.
On the data: On the data below, Wise Business leads on a free plan. We do not name an overall winner for this pair.
Short on time? Here's the quick answer
Based on published vendor pricing and features and on public review data, here's who should pick what:
SAP Concur
Streamline spend management for travel, expense, and invoice on a single platform.
Best for you if:
- • You want expense management
Wise Business
The only business account you need to go global, making international payments and finances easy.
Best for you if:
- • You want a free tier before you commit
| At a Glance | SAP Concur | Wise Business |
|---|---|---|
Starts at | Not published | Free plan |
Category | Expense Management Finance | Finance Accounting |
Rating | 4.1/5 G2 4.0 · Capterra 4.3 9,444 reviews | 3.9/5 G2 3.9 96 reviews |
Free plan | No | Yes |
Watch out for | Premium support add-ons | Variable transfer fees starting from 0.33% |
Choose SAP Concur or Wise Business?
Choose SAP Concur if
- You want expense management
- You want travel booking
- You work in expense management, not finance
Choose Wise Business if
- You want a free tier before you commit
- You want international payments
- You want good exchange rates
- You work in finance, not expense management
In-Depth Analysis
SAP Concur
Streamline spend management for travel, expense, and invoice on a single platform.
The lack of transparent pricing for Concur Expense, Concur Travel, and the Enterprise Suite suggests a premium offering.
Watch out
Premium support add-ons
Strengths
- Pro: Expense management
- Pro: Travel booking
- Pro: Enterprise ready
- Pro: Good integrations
- Pro: Industry standard
Weaknesses
- Con: Expensive
- Con: UI dated
- Con: Complex setup
- Con: Learning curve
- Con: Better modern alternatives
Key features
Wise Business
The only business account you need to go global, making international payments and finances easy.
Wise Business offers a fair and transparent pricing model, especially with its 'Pay As You Go' tier which has no monthly fees, only a one-time setup fee of 31 USD.
Watch out
Variable transfer fees starting from 0.33%
Strengths
- Pro: International payments
- Pro: Good exchange rates
- Pro: Multi-currency
- Pro: Active development
- Pro: Fair pricing
Weaknesses
- Con: Account issues reported
- Con: Verification strict
- Con: Support varies
- Con: Feature gaps
- Con: Better for specific uses
Key features
Plans and prices: SAP Concur vs Wise Business
| Tool | Plans and prices | Source |
|---|---|---|
| SAP Concur |
| concur.com read Oct 15, 2026 |
| Wise Business |
| wise.com/business read Sep 27, 2026 |
Prices as read on each vendor's own pricing page on the date shown. Plans are listed per tool and are not matched against the other tool's plans: a plan name or price in one column says nothing about the same row in the other. Details on SAP Concur pricing and Wise Business pricing.
Key Takeaways
SAP Concur
- Choose if you want streamline spend management for travel, expense, and invoice on a single platform
Wise Business
- Has a free plan
What the data shows
On the data below, Wise Business leads on a free plan. We do not name an overall winner for this pair.
- User ratings are within 0.2 points (4.1/5 from 9,444 reviews for SAP Concur, 3.9/5 from 96 reviews for Wise Business).
- Only Wise Business has a free plan.
Criteria: user rating (only above 20 reviews on both sides, gap of 0.2 or more), entry price (only on the same billing basis), free plan. How we rate
Frequently Asked Questions
How do SAP Concur and Wise Business compare in 2026?
On the data below, Wise Business leads on a free plan. We do not name an overall winner for this pair. User ratings are within 0.2 points (4.1/5 from 9,444 reviews for SAP Concur, 3.9/5 from 96 reviews for Wise Business). Only Wise Business has a free plan.
What are SAP Concur and Wise Business used for?
SAP Concur: Streamline spend management for travel, expense, and invoice on a single platform. Wise Business: The only business account you need to go global, making international payments and finances easy.
What does SAP Concur cost vs Wise Business?
SAP Concur has no public paid-plan price on file. Wise Business has no public paid-plan price on file. Prices read on the vendors' pricing pages, latest check Oct 15, 2026.
What's the main difference between SAP Concur and Wise Business?
SAP Concur's main strength: expense management. Wise Business's main strength: international payments.