Updated 2026-06-01
Travel & expense (T&E) in 2026
Navan, SAP Concur, Egencia, TravelPerk — the real comparison.
Quick answer
TL;DR
Navan, SAP Concur, Egencia, TravelPerk — the real comparison.
- •Navan leads modern T&E: unified booking + Navan Liquid cards.
- •SAP Concur still dominates enterprise via SAP/Oracle/Workday integrations.
- •TravelPerk wins on policy flexibility; acquired Yokoy for expense.
Booking
Navan, TravelPerk and Egencia lead modern booking UX. SAP Concur Travel is the enterprise default but UX trails modern entrants.
Expense + cards
Navan Liquid (corporate card) closes the loop between booking and expense. Yokoy (now TravelPerk) brings AI expense to TravelPerk's stack. SAP Concur Pay integrates with most issuers.
Choosing
Modern team, modern stack → Navan or TravelPerk + Yokoy. Enterprise on SAP/Oracle/Workday → SAP Concur. Heavy international travel → Navan or Egencia.