Comparing Budgetly to SAP Concur?

Concur is built for multinationals. Budgetly is built for Australian SMEs.

Concur's implementation is measured in months and its pricing model is built for enterprise procurement. Budgetly is live in days, with flat-rate pricing and unlimited users.

Book a demo: experience a fast setup ➜

No limits
Unlimited users
Unlimited payments
Unlimited support
Unlimited receipts

Concur takes months to set up. Budgetly takes days.

Concur was designed for large multinationals with dedicated implementation teams and procurement processes to match. For an Australian SME, that means a longer rollout and a pricing model that wasn’t built with a 20-200 person team in mind. Budgetly is purpose-built for that exact size business, AUD, GST, and Xero from day one, live in days, not months.

Budgetly vs SAP Concur

Concur is built for enterprise procurement. Budgetly is built for Australian SMEs.

Feature	Budgetly	SAP Concur
Built for Australian SMEs (AUD, GST, Xero)	✓	✗ Global enterprise platform
Live in days	✓	✗ Implementation measured in months
Transparent flat-rate pricing	✓	✗ Enterprise procurement pricing
No caps on users, payments, or support	✓	✗
Unlimited Australian-based support	✓	✗
Global multi-entity, multi-currency, multi-language coverage	✗ AUD only, single entity	✓ 142 currencies, 170+ countries, 30+ languages

ROI Calculator

See what a fast, flat-rate setup could save your team

Tell us about your team and see the admin hours and labour costs a fast, flat-rate setup could save every month, a concrete number to bring back to whoever else needs to sign off. No email required.

Instant estimate. Based on thousands of Australian businesses like yours.

Estimates only, based on an 80% reduction in manual processing time (per Budgetly customer results) and the figures entered below. Not financial advice.

About your business

Employees with company cards

Expense transactions per month

Average time spent per transaction

min

Fully loaded hourly cost of finance team

Your potential impact

64 hours per month 768 hours per year

$42,240 per year In admin and labour costs

14 days to pay for itself Time for your savings to cover the Essentials plan

Book a demo: switch from Concur →

Trusted by Australian businesses

1.2BN+

Payments processed In payments processed through the Budgetly platform

150K+

Transactions Transactions managed every month by Budgetly users

15K+

Users Employees across Australia using Budgetly cards

80%

Less time on admin Reduction in time spent on manual expense processes

90%

Better service Better customer service than competitors

4.9/5

Capterra rating Based on verified reviews from real customers

Australia's favourite.

99% of businesses stick with Budgetly.

The hard way

One shared card. Too much admin.

The smart way with

Every employee. Every spend. In real-time.

Same transaction. Almost none of the admin.

How Budgetly works without the Concur procurement cycle

Built for Australian businesses, not global enterprises

Concur was built for large multinationals. Budgetly is purpose-built for Australian SMEs with AUD transactions, GST handling, Xero integration, and local support from day one.

Up and running in days, not months

No complex implementation, no consultants, no IT project. Budgetly onboards your team in days with unlimited training and a dedicated support team.

Transparent pricing, no surprises

One flat rate with unlimited users, unlimited payments, and unlimited support. No per-user fees that scale out of control as your team grows.

Using Budgetly has made reconciliation and budget management a breeze for our team spread across Australia. No chasing receipts, no time wasted on manually matching transactions, and easy to adjust budgets. All integrated with Xero.
Judi M, Operations Manager

Frequently asked questions

What does 'faster rollout' actually mean compared to Concur?

Concur's implementation typically involves a dedicated project team and a procurement process measured in months, standard for a global enterprise platform. Budgetly is purpose-built for a 20-200 person Australian team: connect Xero in minutes, issue your first virtual Visa card instantly, then bulk-issue the rest of your team's cards from a CSV. Most teams are live within a week.

Do we lose anything by moving off Concur?

If your business operates across multiple countries, currencies, or languages, yes. Concur's global scale, 142 currencies, 170+ countries, and 30+ languages, is a genuine strength for multinationals. Budgetly is AUD only and built specifically for Australian SMEs, so that global coverage isn't something we replicate.

How does pricing compare to an enterprise procurement contract?

Concur's pricing model is built around enterprise procurement, typically a custom, negotiated contract. Budgetly is transparent, flat-rate pricing with unlimited users, payments, and support, so you know the cost before you start.

Will our finance team need retraining?

Budgetly includes unlimited training and onboarding from a real Australian-based support team as part of every plan, not a separate implementation project. Most teams find the interface simpler to learn than an enterprise platform built for global procurement teams.

Does Budgetly still handle GST and BAS correctly?

Yes. Budgetly is built for AUD transactions and Australian GST and BAS requirements from day one, with automatic GST extraction and coding on every transaction, then synced to Xero.

Has a business actually switched from Concur to Budgetly?

Yes. A verified Capterra reviewer, a Finance Manager at a furniture business, described Concur as clunky and too complex for their needs, and moved to Budgetly for more control, visibility, and less admin on reimbursements.

Carol R Director

NDIS

Budgetly saves me 2 hours a day in accounting time. I used to have to reconcile and enter transactions. It works seamlessly with Xero and if there ever is an issue I can count on the team to help me out.

Verified · Capterra

Cherise H Accounts & Administration Specialist

Construction

We've been able to streamline 3 processes into 1 with Budgetly and I'd recommend this for anyone using Xero accounting as the integration has been very easy and stress-free.

Verified · Capterra

Eloisa Manager

Construction

I've saved at least 2 hours a day in admin work. We've minimised human error with our staff now being accountable for uploading their own receipts. Bill Payments has also brought everything into one spot and with the Xero integration, everything is so much easier now.

Verified · Capterra

Hayley C Business Manager - Corporate

Education

Instead of the finance team manually chasing receipts and processing reimbursements, staff enter details and upload receipts directly into the Budgetly app which are synced across to Xero. Such a time saver.

Verified · Capterra

Judi M Operations Manager

Healthcare

Using Budgetly has made reconciliation and budget management a breeze for our team spread across Australia. No chasing receipts, no time wasted on manually matching transactions, and easy to adjust budgets. All integrated with Xero.

Verified · Capterra

Kevin K Director

Professional Services

I don't have to chase receipts anymore. I can issue cards in about 10 seconds. I can forward 20 bills from my email and it auto extracts and pays them.

Verified · Capterra

Tim H CFO

Professional Services

We've definitely saved a lot of money. 50 hours saved across the month in bookkeeping fees is massive. So much easier to sync straight into Xero.

Verified · Capterra

Timothy N Finance Manager

Professional Services

Budgetly saves us time and money from the very beginning. It has replaced trying to retrieve receipts and manual coding to Xero. Receipts, GST amounts and tracking are all recorded immediately.

Verified · Capterra

Vibhu J Finance Officer

NDIS

We run multiple budgets across several properties, and the system handles it seamlessly. Budgetly has cut our workload by at least 15 hours each week.

Verified · Capterra