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im Griff: Erfassung, Freigabe und Kontrolle von Unternehmensausgaben fuer mehr Transparenz im Finanzalltag.","3f4c451e-8e90-42af-8ab4-49c7a12230b6","tag","geschaeftsausgaben","de/blog/topic/geschaeftsausgaben",-550,[],176456153,"3faaf794-80d2-438d-b107-65619171cb1c","2022-11-02T15:24:38.392Z",[],"blog/topic/geschaeftsausgaben",[105,106,107],{"path":103,"name":55,"lang":73,"published":55},{"path":103,"name":55,"lang":68,"published":55},{"path":103,"name":55,"lang":76,"published":55},{"type":50,"content":109},[110,120,129,138,148,157,166,175,188,196,229,238,247,255,263,271,299,307,315,323,331,339,347,355,365,393,422,431,439,448,505,514,523,531,611,633],{"type":53,"attrs":111,"content":112},{"textAlign":55,"key":56},[113],{"text":114,"type":60,"marks":115},"Rund 40.000 Steuerberatungskanzleien in Deutschland arbeiten mit DATEV, doch viele ihrer Mandanten laden Kontoauszüge noch jede Woche manuell herunter, konvertieren CSV- oder MT940-Dateien und importieren sie einzeln. ",[116],{"type":117,"attrs":118},"textStyle",{"color":119},"#111418",{"type":53,"attrs":121,"content":123},{"textAlign":55,"key":122},"p-1",[124],{"text":125,"type":60,"marks":126},"Der DATEV Kontoauszugsmanager (KAM), offiziell als RZ-Bankinfo-Verfahren bekannt, ersetzt diesen manuellen Ablauf durch einen automatisierten Abruf elektronischer Kontoauszüge direkt in die DATEV-Umgebung. ",[127],{"type":117,"attrs":128},{"color":119},{"type":53,"attrs":130,"content":132},{"textAlign":55,"key":131},"p-2",[133],{"text":134,"type":60,"marks":135},"Dieser Artikel zeigt Schritt für Schritt, wie Finanzteams in kleinen und mittleren Unternehmen den KAM einrichten: von der Stammdatenpflege über die Teilnahmeerklärung bei der Bank bis zur ersten automatischen Buchung mit Buchungsvorschlägen.",[136],{"type":117,"attrs":137},{"color":119},{"type":139,"attrs":140,"content":142},"heading",{"level":141,"textAlign":55},2,[143],{"text":144,"type":60,"marks":145},"Der Kontoauszugsmanager im Überblick",[146],{"type":117,"attrs":147},{"color":119},{"type":53,"attrs":149,"content":151},{"textAlign":55,"key":150},"p-3",[152],{"text":153,"type":60,"marks":154},"Der KAM ist ein Cloud-Service von DATEV, der elektronische Kontoauszüge automatisch aus dem Rechenzentrum der jeweiligen Bank abholt und in DATEV Rechnungswesen bereitstellt. Statt Kontoauszüge manuell als CSV oder MT940 herunterzuladen und zu importieren, übernimmt das RZ-Bankinfo-Verfahren den kompletten Datentransfer im Hintergrund.",[155],{"type":117,"attrs":156},{"color":119},{"type":53,"attrs":158,"content":160},{"textAlign":55,"key":159},"p-4",[161],{"text":162,"type":60,"marks":163},"Jeder Mandant kann den KAM nutzen, wenn dessen Steuerberatungskanzlei DATEV Rechnungswesen einsetzt. Die Kanzlei schaltet das Verfahren frei, der Mandant konfiguriert die Bankverbindungen und reicht die Teilnahmeerklärungen bei den jeweiligen Banken ein. ",[164],{"type":117,"attrs":165},{"color":119},{"type":53,"attrs":167,"content":169},{"textAlign":55,"key":168},"p-5",[170],{"text":171,"type":60,"marks":172},"Danach landen die Umsätze automatisch im System. Der KAM unterstützt MT940 und das neuere camt.053-Format, das seit 2025 bei vielen Instituten zum Standard wird.",[173],{"type":117,"attrs":174},{"color":119},{"type":176,"attrs":177},"blok",{"id":178,"body":179},"d2815d81-cf9f-4f54-b2a1-15f8928e6ee1",[180],{"_uid":181,"type":33,"asset":182,"caption":33,"overlay":186,"component":187},"i-59c07e37-81c4-49a3-bff7-baaa39af9fe6",{"id":183,"alt":33,"name":33,"focus":33,"title":33,"source":33,"filename":184,"copyright":33,"fieldtype":38,"meta_data":185,"is_external_url":24},176818995843824,"https://a.storyblok.com/f/146026/2121x1414/48aa298da3/datev-kontoauszugsmanager-einrichten-so-automatisieren-finance-teams-den-buchungsexport.jpg",{},[],"image",{"type":139,"attrs":189,"content":190},{"level":141,"textAlign":55},[191],{"text":192,"type":60,"marks":193},"Schritt 1: Kanzlei-Freischaltung und Stammdaten prüfen",[194],{"type":117,"attrs":195},{"color":119},{"type":53,"attrs":197,"content":199},{"textAlign":55,"key":198},"p-6",[200,205,214,224],{"text":201,"type":60,"marks":202},"Bevor der KAM funktioniert, muss die Steuerberatungskanzlei das RZ-Bankinfo-Verfahren für den jeweiligen Mandanten freigeschaltet haben. Ohne diese Freischaltung bleibt die Option in DATEV Rechnungswesen ausgegraut. Die offizielle DATEV-Dokumentation zum",[203],{"type":117,"attrs":204},{"color":119},{"text":206,"type":60,"marks":207}," ",[208,212],{"type":209,"attrs":210},"link",{"href":211,"uuid":55,"anchor":55,"target":55,"linktype":41},"https://help-center.apps.datev.de/documents/1030159",{"type":117,"attrs":213},{"color":119},{"text":215,"type":60,"marks":216},"Service-Rechenzentrumsverfahren einrichten",[217,219,222],{"type":209,"attrs":218},{"href":211,"uuid":55,"anchor":55,"target":55,"linktype":41},{"type":117,"attrs":220},{"color":221},"#1C91FF",{"type":223},"underline",{"text":225,"type":60,"marks":226}," beschreibt den Freischaltungsprozess im Detail.",[227],{"type":117,"attrs":228},{"color":119},{"type":53,"attrs":230,"content":232},{"textAlign":55,"key":231},"p-7",[233],{"text":234,"type":60,"marks":235},"Klären Sie mit der Kanzlei vorab folgende Punkte: Mandantennummer, Wirtschaftsjahr und Kontenrahmen (SKR03 oder SKR04). Diese Werte müssen exakt mit der Kanzlei-Konfiguration übereinstimmen, sonst ordnet DATEV die abgerufenen Umsätze keinem Mandanten zu. ",[236],{"type":117,"attrs":237},{"color":119},{"type":53,"attrs":239,"content":241},{"textAlign":55,"key":240},"p-8",[242],{"text":243,"type":60,"marks":244},"Der Kontenrahmen ist besonders kritisch: SKR03 arbeitet mit Prozessgliederung, SKR04 mit Abschlussgliederung. Ein nachträglicher Wechsel zieht erheblichen Anpassungsaufwand nach sich und macht bestehende Buchungsvorschläge und Regeln ungültig. Den Kontenrahmen sollte man daher verbindlich vor der KAM-Aktivierung festlegen.",[245],{"type":117,"attrs":246},{"color":119},{"type":139,"attrs":248,"content":249},{"level":141,"textAlign":55},[250],{"text":251,"type":60,"marks":252},"Schritt 2: Bankverbindungen mit Sachkonto anlegen",[253],{"type":117,"attrs":254},{"color":119},{"type":53,"attrs":256,"content":257},{"textAlign":55,"key":56},[258],{"text":259,"type":60,"marks":260},"Tragen Sie IBAN und BIC ein und ordnen Sie jeder Bankverbindung ein Sachkonto zu. Beim Geschäftskonto ist das typischerweise Konto 1200 (SKR03) oder 1800 (SKR04), beim Kreditkartenkonto ein separates Verrechnungskonto.",[261],{"type":117,"attrs":262},{"color":119},{"type":53,"attrs":264,"content":265},{"textAlign":55,"key":122},[266],{"text":267,"type":60,"marks":268},"Ein häufiger Fehler: die falsche Sachkonto-Zuordnung. Wenn das Sachkonto nicht zum tatsächlichen Bankkonto passt, weist DATEV die Umsätze einem falschen Buchungskreis zu, und die Abstimmung am Monatsende wird aufwendig. ",[269],{"type":117,"attrs":270},{"color":119},{"type":53,"attrs":272,"content":273},{"textAlign":55,"key":131},[274,279,286,294],{"text":275,"type":60,"marks":276},"Wer mehrere Konten konfiguriert (Geschäftskonto, Kreditkartenkonto, Rücklagenkonto), richtet alle Bankverbindungen in einer Sitzung ein, um inkonsistente Zuordnungen zu vermeiden. Grundlagen der",[277],{"type":117,"attrs":278},{"color":119},{"text":206,"type":60,"marks":280},[281,284],{"type":209,"attrs":282},{"href":283,"uuid":55,"anchor":55,"target":55,"linktype":41},"https://www.spendesk.com/de/blog/digitale-buchhaltung/",{"type":117,"attrs":285},{"color":119},{"text":287,"type":60,"marks":288},"digitalen Buchhaltung",[289,291,293],{"type":209,"attrs":290},{"href":283,"uuid":55,"anchor":55,"target":55,"linktype":41},{"type":117,"attrs":292},{"color":221},{"type":223},{"text":295,"type":60,"marks":296}," helfen dabei, den Übergang von manuellen Prozessen zu verstehen.",[297],{"type":117,"attrs":298},{"color":119},{"type":139,"attrs":300,"content":301},{"level":141,"textAlign":55},[302],{"text":303,"type":60,"marks":304},"Schritt 3: Teilnahmeerklärung bei der Bank einreichen",[305],{"type":117,"attrs":306},{"color":119},{"type":53,"attrs":308,"content":309},{"textAlign":55,"key":150},[310],{"text":311,"type":60,"marks":312},"Nach der DATEV-seitigen Konfiguration reichen Sie bei jeder teilnehmenden Bank eine Teilnahmeerklärung ein. Dieses Formular autorisiert DATEV, elektronische Kontoauszüge direkt aus dem Bankrechenzentrum abzurufen. Sie benötigen eine separate Erklärung pro Bankverbindung. Die meisten Banken akzeptieren das Standard-DATEV-Formular, einige Institute verlangen eine eigene Version.",[313],{"type":117,"attrs":314},{"color":119},{"type":53,"attrs":316,"content":317},{"textAlign":55,"key":159},[318],{"text":319,"type":60,"marks":320},"Die Bearbeitungszeit variiert je nach Kreditinstitut zwischen zwei und sechs Wochen. Laut der veröffentlichten DATEV-Preisliste berechnet DATEV 1,30 Euro pro Bankverbindung pro Monat. Bankseitige Gebühren variieren je nach Institut und lassen sich vorab beim Kundenbetreuer erfragen.",[321],{"type":117,"attrs":322},{"color":119},{"type":53,"attrs":324,"content":325},{"textAlign":55,"key":168},[326],{"text":327,"type":60,"marks":328},"Praxistipp: Reichen Sie alle Teilnahmeerklärungen gleichzeitig ein. Wer die Formulare gestaffelt verschickt, wartet am Ende auf die langsamste Bank und verzögert den gesamten Prozess.",[329],{"type":117,"attrs":330},{"color":119},{"type":53,"attrs":332,"content":333},{"textAlign":55,"key":198},[334],{"text":335,"type":60,"marks":336},"Wer zum Beispiel im Januar die Erklärungen für alle vier Konten einreicht, sollte vorab bei jeder Bank das korrekte Formular anfragen. Drei Banken akzeptieren häufig das Standard-DATEV-Formular, einzelne Institute wie Sparkassen verlangen jedoch eine eigene Version. Wer das nicht vorab klärt, riskiert unnötige Verzögerungen von zwei Wochen oder mehr.",[337],{"type":117,"attrs":338},{"color":119},{"type":139,"attrs":340,"content":341},{"level":141,"textAlign":55},[342],{"text":343,"type":60,"marks":344},"Schritt 4: Kontoumsätze abrufen und Buchungsvorschläge nutzen",[345],{"type":117,"attrs":346},{"color":119},{"type":53,"attrs":348,"content":349},{"textAlign":55,"key":231},[350],{"text":351,"type":60,"marks":352},"Sobald die Bank die Teilnahmeerklärung verarbeitet hat, ruft DATEV die Kontoumsätze automatisch ab, je nach Konfiguration täglich oder in kürzeren Intervallen. Die Umsätze erscheinen im KAM mit Buchungsvorschlägen nach einem Ampelsystem:",[353],{"type":117,"attrs":354},{"color":119},{"type":176,"attrs":356},{"id":178,"body":357},[358],{"_uid":359,"type":33,"asset":360,"caption":33,"overlay":364,"component":187},"i-0d1a4b37-dacc-4012-9614-4818edea377f",{"id":361,"alt":33,"name":33,"focus":33,"title":33,"source":33,"filename":362,"copyright":33,"fieldtype":38,"meta_data":363,"is_external_url":24},176830680970226,"https://a.storyblok.com/f/146026/2752x1536/e12143f211/ampelsystem_nocrop.png",{},[],{"type":53,"attrs":366,"content":367},{"textAlign":55,"key":240},[368,373,380,388],{"text":369,"type":60,"marks":370},"Mit jeder manuellen Korrektur lernt das System dazu und wendet Zuordnungen auf zukünftige Umsätze mit demselben Geschäftspartner oder Verwendungszweck an. Für regelmäßige Zahlungen wie Miete, Versicherungsprämien oder Leasingraten lohnt es sich, Buchungsregeln anzulegen. Diese weisen wiederkehrende Buchungen automatisch dem richtigen Sachkonto, der Kostenstelle und dem Mehrwertsteuer-Satz zu. Wer die",[371],{"type":117,"attrs":372},{"color":119},{"text":206,"type":60,"marks":374},[375,378],{"type":209,"attrs":376},{"href":377,"uuid":55,"anchor":55,"target":55,"linktype":41},"https://www.spendesk.com/de/blog/automatisieren-rechnungsverwaltung/",{"type":117,"attrs":379},{"color":119},{"text":381,"type":60,"marks":382},"Rechnungsverwaltung automatisieren",[383,385,387],{"type":209,"attrs":384},{"href":377,"uuid":55,"anchor":55,"target":55,"linktype":41},{"type":117,"attrs":386},{"color":221},{"type":223},{"text":389,"type":60,"marks":390}," möchte, findet in Buchungsregeln den ersten Hebel.",[391],{"type":117,"attrs":392},{"color":119},{"type":53,"attrs":394,"content":396},{"textAlign":55,"key":395},"p-9",[397,402,409,417],{"text":398,"type":60,"marks":399},"Der KAM deckt jedoch nur Bankumsätze ab. Ausgabenbelege, Kreditkartenabrechnungen und Rechnungsfreigaben fließen nicht über diesen Kanal. Genau hier ergänzt die",[400],{"type":117,"attrs":401},{"color":119},{"text":206,"type":60,"marks":403},[404,407],{"type":209,"attrs":405},{"href":406,"uuid":55,"anchor":55,"target":55,"linktype":41},"https://www.spendesk.com/de/integrations/spend-management-datev/",{"type":117,"attrs":408},{"color":119},{"text":410,"type":60,"marks":411},"DATEV-Integration von Spendesk",[412,414,416],{"type":209,"attrs":413},{"href":406,"uuid":55,"anchor":55,"target":55,"linktype":41},{"type":117,"attrs":415},{"color":221},{"type":223},{"text":418,"type":60,"marks":419}," den KAM: Während der KAM die Bankumsätze automatisiert, überträgt Spendesk Ausgabenbelege, Kontierung und MwSt-Daten direkt in DATEV Unternehmen Online. ",[420],{"type":117,"attrs":421},{"color":119},{"type":53,"attrs":423,"content":425},{"textAlign":55,"key":424},"p-10",[426],{"text":427,"type":60,"marks":428},"Ein Finanzteam, das beide Systeme parallel nutzt, eliminiert die manuelle Erfassung sowohl bei Bankbewegungen als auch bei Unternehmensausgaben.",[429],{"type":117,"attrs":430},{"color":119},{"type":139,"attrs":432,"content":433},{"level":141,"textAlign":55},[434],{"text":435,"type":60,"marks":436},"Schritt 5: Häufige Einrichtungsfehler vermeiden und System optimieren",[437],{"type":117,"attrs":438},{"color":119},{"type":53,"attrs":440,"content":442},{"textAlign":55,"key":441},"p-11",[443],{"text":444,"type":60,"marks":445},"Vier Fehler treten bei der KAM-Einrichtung besonders häufig auf:",[446],{"type":117,"attrs":447},{"color":119},{"type":449,"content":450},"bullet_list",[451,463,474,485],{"type":452,"content":453},"list_item",[454],{"type":53,"attrs":455,"content":457},{"textAlign":55,"key":456},"p-12",[458],{"text":459,"type":60,"marks":460},"Bankverbindung ohne korrektes Sachkonto: Wenn IBAN und Sachkonto nicht zusammenpassen, landen Umsätze in der falschen Buchungsgruppe. Die Korrektur erfordert eine nachträgliche Umbuchung aller betroffenen Perioden.",[461],{"type":117,"attrs":462},{"color":119},{"type":452,"content":464},[465],{"type":53,"attrs":466,"content":468},{"textAlign":55,"key":467},"p-13",[469],{"text":470,"type":60,"marks":471},"Teilnahmeerklärung nur für das Hauptkonto: Nebenkonten wie das Kreditkarten-Verrechnungskonto oder das Rücklagenkonto werden häufig vergessen. Ohne Teilnahmeerklärung ruft DATEV dort keine Umsätze ab.",[472],{"type":117,"attrs":473},{"color":119},{"type":452,"content":475},[476],{"type":53,"attrs":477,"content":479},{"textAlign":55,"key":478},"p-14",[480],{"text":481,"type":60,"marks":482},"Kontenrahmen-Wechsel nach KAM-Aktivierung: Ein nachträglicher Wechsel von SKR03 auf SKR04 macht bestehende Buchungsvorschläge und Regeln ungültig. Der Kontenrahmen sollte verbindlich vor der Aktivierung festgelegt werden.",[483],{"type":117,"attrs":484},{"color":119},{"type":452,"content":486},[487],{"type":53,"attrs":488,"content":490},{"textAlign":55,"key":489},"p-15",[491,500],{"text":492,"type":60,"marks":493},"camt.053-Format",[494,497,499],{"type":209,"attrs":495},{"href":496,"uuid":55,"anchor":55,"target":55,"linktype":41},"https://www.datev.de/web/de/berufsgruppenuebergreifend/gesetzliche-themen/payment/kontoumsaetze-bereitstellen-neues-format",{"type":117,"attrs":498},{"color":221},{"type":223},{"text":501,"type":60,"marks":502},"-Umstellung nicht beachtet: Seit November 2025 stellen viele Banken von MT940 auf camt.053 um. 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Dazu gehören diverse Kartenzahlungen, Spesenabrechnungen und Reisekosten.",{"type":2137},{"type":2137},{"text":2274,"type":60,"marks":2275},"Ausgabenmanagement beschreibt den Prozess, mit dem Unternehmen ihre Geschäftsausgaben verwalten",[2276],{"type":2246},{"text":2278,"type":60},". Es berücksichtigt den gesamten End-to-End-Prozess, d.h. das Einholen einer Genehmigung durch die Mitarbeitenden, die Bereitstellung eines Zahlungsmittels, das Einreichen und Bearbeiten von Rechnungen, das Einreichen und die Rückerstattung von Spesenabrechnungen, sowie den Abgleich von Quittungen und Rechnungen zur Zuweisung der richtigen Kostenstellen, Sachkonten und Mehrwertsteuersätze durch die Buchhaltung.",{"type":2137},{"type":2137},{"text":2282,"type":60},"Tools zur Ausgabenverwaltung werden notwendig, wenn die Zahl der Beschäftigten steigt und der Bedarf an klaren Prozessen, Übersicht und Kontrolle für die Finanzteams wächst.",{"type":2137},{"type":2137},{"text":2286,"type":60},"Die Beschäftigten brauchen flexible, benutzerfreundliche Lösungen, um Ausgaben zu tätigen. So verlieren sie keine wertvolle Zeit und können sich auf wichtigere Tätigkeiten konzentrieren.",{"_uid":2288,"title":2289,"component":691,"description":2290},"f20ef905-76e9-4b90-a0db-1e8c1c5ae03f","Wie funktioniert Spendesk?",{"type":50,"content":2291},[2292],{"type":53,"content":2293},[2294,2296,2297,2298,2302,2303,2305,2306,2307,2309,2310,2311,2315,2316,2318,2319,2320,2322,2323,2324,2326,2330,2332,2333,2334,2336,2337,2338],{"text":2295,"type":60},"Spendesk bietet modernen Unternehmen die passenden Zahlungsmethoden und eine leistungsstarke Plattform zur Verwaltung von Ausgaben. Dazu gehören Debitkarten als Ersatz für altmodische Firmenkreditkarten, virtuelle Karten für Online-Zahlungen und automatisierte Spesenabrechnungen.",{"type":2137},{"type":2137},{"text":2299,"type":60,"marks":2300},"Für Beschäftigte",[2301],{"type":2246},{"type":2137},{"text":2304,"type":60},"Die Teammitglieder müssen Ausgaben nicht mehr aus eigener Tasche vorstrecken. Stattdessen fragen Sie einen Betrag für einen bestimmten Kauf an und können die Zahlung mit ihrer (physischen) Spendesk-Karte oder einer virtuellen Karte durchführen.",{"type":2137},{"type":2137},{"text":2308,"type":60},"Wenn die Beschäftigten aus irgendeinem Grund ihre Spendesk-Karte nicht verwenden können, machen sie über die mobile Spendesk-App ein Foto der Quittung und erstellen direkt unterwegs eine digitale Spesenabrechnung. Diese wird zur Validierung direkt an die Führungskraft, und dann weiter an das Finanzteam geschickt.",{"type":2137},{"type":2137},{"text":2312,"type":60,"marks":2313},"Für Finanzteams",[2314],{"type":2246},{"type":2137},{"text":2317,"type":60},"Alle Beschäftigten haben ihr eigenes Spendesk-Profil und eine eigene Spesenkarte, die mit einem bestimmten Betrag aufgeladen wird. Im Gegensatz zur Firmenkreditkarte wissen Sie also immer, wer gerade wo Firmengelder ausgibt.",{"type":2137},{"type":2137},{"text":2321,"type":60},"Über die Plattform können Controller:innen Ausgabenlimits und Vorab-Freigaben für die Mitarbeitende festlegen. C-Level-Führungskräfte oder Manager:innen können dabei ein anderes Niveau an vorab genehmigten Ausgaben haben als die restlichen Beschäftigten. Wenn ein Teammitglied sein vorab freigegebenes Budget überschreiten möchte, kann über die mobile App oder die Plattform online eine Anfrage an die entsprechende Führungskraft gestellt werden.",{"type":2137},{"type":2137},{"text":2325,"type":60},"Wenn eine Ausgabe mit einer Spendesk-Karte getätigt wird, macht der/die Mitarbeitende beim Kauf einfach ",{"text":2327,"type":60,"marks":2328},"ein Foto von der Quittung",[2329],{"type":2246},{"text":2331,"type":60},". So gehen keine Belege mehr verloren.",{"type":2137},{"type":2137},{"text":2335,"type":60},"Finanzteams können die Ausgaben des Unternehmens in Echtzeit einsehen und fehlende Quittungen oder Rechnungen nachverfolgen, indem sie über die Plattform Erinnerungen an die Beschäftigten senden.",{"type":2137},{"type":2137},{"text":2339,"type":60},"Auch die Überprüfung von Ausgaben ist einfacher, da Ausgaben gruppiert werden können. Das Finanzteam kann vor dem Export in die Buchhaltungssoftware außerdem direkt in Spendesk die richtigen Mehrwertsteuersätze und Sachkonten zuweisen. Spendesk macht das Ausgabenmanagement intuitiv einfach und effizient.",[2341],{"cta":2342,"_uid":2343,"title":2344,"eyebrow":2351,"subtitle":2354,"component":139,"textAlign":33,"sectionSettings":2360,"breakLineOnMobile":24,"subtitleLeftBorder":24,"customTitleFontSize":33},[],"3a4e21f5-9dd8-421d-b801-700d2fd12756",{"type":50,"content":2345},[2346],{"type":139,"attrs":2347,"content":2348},{"level":141},[2349],{"text":2350,"type":60},"Nutzen Sie Spendesk",{"type":50,"content":2352},[2353],{"type":53},{"type":50,"content":2355},[2356],{"type":53,"content":2357},[2358],{"text":2359,"type":60},"Schließen Sie Ihre Buchhaltung 4x schneller ab, sammeln Sie über 95 % der Belege pünktlich und erhalten Sie 100 % Transparenz über die Unternehmensausgaben.",[],[],"Weitere Artikel","Inhaltsverzeichnis",[2365,2573,2688,2877],{"name":2366,"created_at":2367,"published_at":2368,"updated_at":2369,"id":2370,"uuid":2371,"content":2372,"slug":2561,"full_slug":2562,"sort_by_date":55,"position":2563,"tag_list":2564,"is_startpage":24,"parent_id":779,"meta_data":55,"group_id":2565,"first_published_at":2566,"release_id":55,"lang":68,"path":55,"alternates":2567,"default_full_slug":2568,"translated_slugs":2569},"SaaS- und KI-Mehrausgaben in Europa: Sieben Milliarden Euro pro Jahr","2026-09-15T07:18:47.020Z","2026-11-04T21:25:13.000Z","2026-11-04T21:25:13.040Z",220230152311454,"4fa9799e-4e71-4aea-bbe6-0c0c3f5494ed",{"_uid":2373,"title":2366,"topics":2374,"noIndex":24,"category":2383,"language":2392,"component":656,"heroMedia":2393,"publishedAt":2394,"redirectUrl":33,"leadwallForm":2395,"listingImage":2396,"leadwallTitle":33,"metaDescription":2404,"bottomArticleCta":2405,"leadwallSubtitle":33,"isLeadwallEnabled":24,"componentsAfterTheArticle":2422,"leadwallVisibleParagraphs":33},"69062f2c-92b6-4e67-9939-1588785b85ff",[2375],{"name":80,"created_at":81,"published_at":82,"updated_at":83,"id":84,"uuid":85,"content":2376,"slug":95,"full_slug":96,"sort_by_date":55,"position":97,"tag_list":2377,"is_startpage":24,"parent_id":99,"meta_data":55,"group_id":100,"first_published_at":101,"release_id":55,"lang":68,"path":55,"alternates":2378,"default_full_slug":103,"translated_slugs":2379,"_stopResolving":77},{"_uid":93,"name":80,"component":94,"hubspotId":33},[],[],[2380,2381,2382],{"path":103,"name":55,"lang":73,"published":55},{"path":103,"name":55,"lang":68,"published":55},{"path":103,"name":55,"lang":76,"published":55},{"name":643,"created_at":644,"published_at":645,"updated_at":646,"id":647,"uuid":648,"content":2384,"slug":656,"full_slug":657,"sort_by_date":55,"position":658,"tag_list":2386,"is_startpage":24,"parent_id":660,"meta_data":55,"group_id":661,"first_published_at":662,"release_id":55,"lang":68,"path":55,"alternates":2387,"default_full_slug":664,"translated_slugs":2388,"_stopResolving":77},{"_uid":650,"icon":2385,"name":643,"component":655},{"id":652,"alt":653,"name":33,"focus":33,"title":33,"filename":654,"copyright":33,"fieldtype":38,"is_external_url":24},[],[],[2389,2390,2391],{"path":664,"name":55,"lang":73,"published":55},{"path":664,"name":55,"lang":68,"published":55},{"path":664,"name":55,"lang":76,"published":55},[68],[],"2026-05-04 00:00",[],[2397],{"_uid":2398,"type":33,"asset":2399,"caption":33,"overlay":2403,"component":187},"4ea013e4-4b4a-4aa5-9a28-a9a3acce0217",{"id":2400,"alt":33,"name":33,"focus":33,"title":33,"source":33,"filename":2401,"copyright":33,"fieldtype":38,"meta_data":2402,"is_external_url":24},226418828675520,"https://a.storyblok.com/f/146026/2220x1461/1cce5a7765/blog_de.png",{},[],"Europäische Unternehmen zahlen möglicherweise jährlich 7 Mrd. € zu viel für SaaS, und die KI-Rechnungen schwanken mittlerweile von Monat zu Monat um 61 %. Siehe die Daten von Spendesk zu den europäischen Ausgaben für 2026.",[2406],{"cta":2407,"_uid":2414,"image":2415,"title":2419,"subtitle":33,"component":2146,"imageFullWidth":77},[2408],{"tag":33,"_uid":2409,"hide":24,"icon":2410,"link":2412,"type":33,"label":33,"style":43,"component":44,"mobileLabel":33,"onClickEvent":33,"openInANewTab":24,"horizontalFill":24},"73da239e-3b81-4035-b5dd-857ceb8b7080",{"id":55,"alt":55,"name":33,"focus":55,"title":55,"source":55,"filename":33,"copyright":55,"fieldtype":38,"meta_data":2411},{},{"id":1409,"url":33,"linktype":818,"fieldtype":42,"cached_url":1410,"prep":77,"story":2413},{"name":1412,"id":1413,"uuid":1409,"slug":1414,"url":1415,"full_slug":1416,"_stopResolving":77},"91acc263-cc3b-436a-b575-262f954dbce3",{"id":2416,"alt":33,"name":33,"focus":33,"title":33,"source":33,"filename":2417,"copyright":33,"fieldtype":38,"meta_data":2418,"is_external_url":24},221731183412899,"https://a.storyblok.com/f/146026/3400x930/bfca29ca0b/made_in_europe_banner_de_2x.webp",{},{"type":50,"content":2420},[2421],{"type":53},[2423],{"cta":2424,"_uid":2425,"items":2426,"heading":2540,"reverse":24,"component":773,"sectionSettings":2560},[],"aeee9899-85a3-4061-8844-6e6450559099",[2427,2442,2456,2470,2484,2498,2512,2526],{"_uid":2428,"hide":24,"title":2429,"component":691,"description":2430},"78c7f082-9319-4d2f-8718-1b16f40a451f","Was ist SaaS-Ausgabenmanagement und warum ist es für Finanzteams wichtig?",{"type":50,"attrs":2431,"content":2432},{"backgroundColor":55},[2433],{"type":53,"attrs":2434,"content":2435},{"textAlign":55},[2436],{"text":2437,"type":60,"marks":2438},"SaaS-Ausgabenmanagement umfasst die Erfassung, Genehmigung, Kontrolle und Überprüfung von Software-Abonnements im gesamten Unternehmen. Finanzteams erhalten dadurch Transparenz darüber, welcher Bereich für ein Tool verantwortlich ist, was es kostet, ob es genutzt wird und wann die nächste Verlängerung ansteht. So können Unternehmen Verschwendung erkennen, Preise vergleichen und unnötige Verlängerungen verhindern.",[2439],{"type":117,"attrs":2440},{"color":2441},"oklch(0.206 0.005 67.543)",{"_uid":2443,"hide":24,"title":2444,"component":691,"description":2445},"601308af-0b64-4e22-bb2d-4040e89e151c","Wie viel geben europäische Unternehmen für SaaS-Software aus?",{"type":50,"attrs":2446,"content":2447},{"backgroundColor":55},[2448],{"type":53,"attrs":2449,"content":2450},{"textAlign":55},[2451],{"text":2452,"type":60,"marks":2453},"Die Spendesk-Analyse zeigt, dass das durchschnittliche europäische Unternehmen in der Stichprobe fast 250.000 Euro pro Jahr für Software ausgibt.",[2454],{"type":117,"attrs":2455},{"color":2441},{"_uid":2457,"hide":24,"title":2458,"component":691,"description":2459},"126c17b5-d221-4150-8f12-d9ad4d9e5379","Wie können Finanzteams SaaS-Abonnements in mehreren Abteilungen verfolgen?",{"type":50,"attrs":2460,"content":2461},{"backgroundColor":55},[2462],{"type":53,"attrs":2463,"content":2464},{"textAlign":55},[2465],{"text":2466,"type":60,"marks":2467},"Finanzteams sollten eine zentrale Übersicht über Rechnungen, Kartenzahlungen und wiederkehrende Abonnements erstellen. Jedes Tool sollte einer Abteilung, einer Kostenverantwortung, Nutzungsinformationen und einem Verlängerungsdatum zugeordnet sein. So lassen sich verstreute Tabellen durch einen einheitlichen Prozess ersetzen, mit dem sich Softwareausgaben überwachen, Verlängerungen vorbereiten und Möglichkeiten zur Konsolidierung oder Neuverhandlung erkennen lassen.",[2468],{"type":117,"attrs":2469},{"color":2441},{"_uid":2471,"hide":24,"title":2472,"component":691,"description":2473},"d8c80a63-f438-4bdd-909c-908d7f0e2e3e","Wie können Unternehmen doppelte oder nicht mehr genutzte Abonnements erkennen und vermeiden?",{"type":50,"attrs":2474,"content":2475},{"backgroundColor":55},[2476],{"type":53,"attrs":2477,"content":2478},{"textAlign":55},[2479],{"text":2480,"type":60,"marks":2481},"Unternehmen können Anbieter nach Kategorien vergleichen, die Nutzung und Zuständigkeiten überprüfen und Abonnements ohne aktive Nutzung oder klaren geschäftlichen Zweck identifizieren. In der Stichprobe bezahlten 72 Prozent der Unternehmen, die KI-Tools nutzen, gleichzeitig für mindestens zwei konkurrierende Produkte. Bei Design-Tools hatten 64 Prozent parallele Abonnements. Freigabeprozesse, klar zugewiesene Kostenverantwortung und Prüfungen vor einer Verlängerung verhindern, dass ungenutzte oder doppelte Tools unbemerkt weiter Kosten verursachen.",[2482],{"type":117,"attrs":2483},{"color":2441},{"_uid":2485,"hide":24,"title":2486,"component":691,"description":2487},"b035e9a1-33fd-4457-ac12-1840de65200a","Wie können virtuelle Karten und Ausgabenkontrollen bei der Verwaltung von SaaS-Abonnements und KI-Kosten helfen?",{"type":50,"attrs":2488,"content":2489},{"backgroundColor":55},[2490],{"type":53,"attrs":2491,"content":2492},{"textAlign":55},[2493],{"text":2494,"type":60,"marks":2495},"Virtuelle Karten und Kontrollfunktionen für smarte Karten erleichtern die Erkennung und Verwaltung wiederkehrender und nutzungsabhängiger Softwareausgaben. Finanzteams können Ausgabenlimits festlegen, Transaktionen in Echtzeit überwachen und Benachrichtigungen erhalten, wenn die Kosten unerwartet steigen. Bei festen SaaS-Abonnements helfen Prüfungen vor der Verlängerung und klare Zuständigkeiten dabei, nicht freigegebene Abbuchungen zu verhindern.",[2496],{"type":117,"attrs":2497},{"color":2441},{"_uid":2499,"hide":24,"title":2500,"component":691,"description":2501},"9e029691-c953-4577-b3bf-0a6b143a9ec5","Warum lassen sich KI-Ausgaben schwerer planen als herkömmliche SaaS-Ausgaben?",{"type":50,"attrs":2502,"content":2503},{"backgroundColor":55},[2504],{"type":53,"attrs":2505,"content":2506},{"textAlign":55},[2507],{"text":2508,"type":60,"marks":2509},"Herkömmliche SaaS-Software wird meist zu einem relativ festen monatlichen Preis abgerechnet, während KI-Tools häufig nutzungsabhängig abgerechnet werden. In der Stichprobe stiegen die gesamten KI-Ausgaben innerhalb von zwölf Monaten um 340 Prozent, während die Zahl der Unternehmen, die KI einkauften, kaum zunahm. Außerdem können KI-Rechnungen von Monat zu Monat erheblich schwanken. Die teuerste Monatsrechnung war bis zu achtmal so hoch wie die günstigste. Mit einem herkömmlichen festen Budget lassen sich solche Schwankungen nur schwer steuern.",[2510],{"type":117,"attrs":2511},{"color":2441},{"_uid":2513,"hide":24,"title":2514,"component":691,"description":2515},"13d7fe89-2fb1-4a3a-a33c-e77cab0d4d99","Wie können Finanzteams variable KI-Ausgaben und nutzungsabhängige Abrechnungen kontrollieren?",{"type":50,"attrs":2516,"content":2517},{"backgroundColor":55},[2518],{"type":53,"attrs":2519,"content":2520},{"textAlign":55},[2521],{"text":2522,"type":60,"marks":2523},"KI-Ausgaben sollten mithilfe von Nutzungsdaten, Ausgabenlimits und Echtzeitwarnungen gesteuert werden, nicht allein über eine feste Budgetposition. So können Finanzteams ungewöhnliche Token-Nutzung oder automatisierte Aktivitäten frühzeitig erkennen, bevor eine teure Abrechnung zum Monatsabschluss vorliegt. Eine smarte Karte mit Ausgabenlimits und Warnungen bietet dafür eine zusätzliche Kontrollebene.",[2524],{"type":117,"attrs":2525},{"color":2441},{"_uid":2527,"hide":24,"title":2528,"component":691,"description":2529},"36527c17-d4a0-468e-a806-c6582c83298e","Worauf sollten Finanzteams bei Software für das SaaS-Ausgabenmanagement achten?",{"type":50,"attrs":2530,"content":2531},{"backgroundColor":55},[2532],{"type":53,"attrs":2533,"content":2534},{"textAlign":55},[2535],{"text":2536,"type":60,"marks":2537},"Zu den wichtigsten Funktionen gehören eine zentrale Übersicht über Abonnements, die Zuordnung zu Kostenverantwortung und Abteilungen, Freigabeprozesse, Verlängerungswarnungen, Kontrollen für wiederkehrende Zahlungen, Nutzungsmonitoring, Ausgabenlimits, Echtzeitwarnungen und Reporting. Bei KI-Tools sollte die Software außerdem Informationen zum tatsächlichen Verbrauch liefern. So können Finanzteams von der bloßen Erfassung der Softwareausgaben zur aktiven Steuerung nutzungsabhängiger Kosten übergehen.",[2538],{"type":117,"attrs":2539},{"color":2441},[2541],{"cta":2542,"_uid":2543,"title":2544,"eyebrow":2552,"subtitle":2555,"component":139,"textAlign":33,"eyebrowPill":24,"flexibleSection":2558,"sectionSettings":2559,"displaySeparator":24,"breakLineOnMobile":24,"subtitleLeftBorder":24,"customTitleFontSize":33},[],"64791c99-37cd-433c-a5ef-12dc1ae29b9f",{"type":50,"attrs":2545,"content":2546},{"backgroundColor":55},[2547],{"type":139,"attrs":2548,"content":2549},{"level":141,"textAlign":55},[2550],{"text":2551,"type":60},"Häufig gestellte Fragen",{"type":50,"content":2553},[2554],{"type":53},{"type":50,"content":2556},[2557],{"type":53},[],[],[],"saas-ausgaben-europaeische-unternehmen","de/blog/saas-ausgaben-europaeische-unternehmen",-1510,[],"89f8908d-f57e-47da-8cb8-7c0087f2aa45","2026-10-02T13:46:28.542Z",[],"blog/saas-ausgaben-europaeische-unternehmen",[2570,2571,2572],{"path":2568,"name":55,"lang":73,"published":55},{"path":2568,"name":55,"lang":68,"published":55},{"path":2568,"name":55,"lang":76,"published":55},{"name":2574,"created_at":2575,"published_at":2576,"updated_at":2577,"id":2578,"uuid":2579,"content":2580,"slug":2676,"full_slug":2677,"sort_by_date":55,"position":2678,"tag_list":2679,"is_startpage":24,"parent_id":779,"meta_data":55,"group_id":2680,"first_published_at":2681,"release_id":55,"lang":68,"path":55,"alternates":2682,"default_full_slug":2683,"translated_slugs":2684},"Was Ausgabenmanagement-Software im deutschen Mittelstand wirklich leisten muss ","2026-06-05T10:50:50.842Z","2026-06-19T11:29:42.806Z","2026-06-19T11:29:42.826Z",184185040286095,"b0fea5fe-dacb-4c4d-aa18-399cde21ebbb",{"_uid":2581,"title":2574,"topics":2582,"noIndex":24,"category":2591,"language":2600,"component":656,"heroMedia":2601,"publishedAt":2602,"redirectUrl":33,"listingImage":2603,"metaDescription":2611,"bottomArticleCta":2612,"componentsAfterTheArticle":2613},"ac6f9b03-6554-4693-8d88-937b7343a2b9",[2583],{"name":80,"created_at":81,"published_at":82,"updated_at":83,"id":84,"uuid":85,"content":2584,"slug":95,"full_slug":96,"sort_by_date":55,"position":97,"tag_list":2585,"is_startpage":24,"parent_id":99,"meta_data":55,"group_id":100,"first_published_at":101,"release_id":55,"lang":68,"path":55,"alternates":2586,"default_full_slug":103,"translated_slugs":2587,"_stopResolving":77},{"_uid":93,"name":80,"component":94,"hubspotId":33},[],[],[2588,2589,2590],{"path":103,"name":55,"lang":73,"published":55},{"path":103,"name":55,"lang":68,"published":55},{"path":103,"name":55,"lang":76,"published":55},{"name":643,"created_at":644,"published_at":645,"updated_at":646,"id":647,"uuid":648,"content":2592,"slug":656,"full_slug":657,"sort_by_date":55,"position":658,"tag_list":2594,"is_startpage":24,"parent_id":660,"meta_data":55,"group_id":661,"first_published_at":662,"release_id":55,"lang":68,"path":55,"alternates":2595,"default_full_slug":664,"translated_slugs":2596,"_stopResolving":77},{"_uid":650,"icon":2593,"name":643,"component":655},{"id":652,"alt":653,"name":33,"focus":33,"title":33,"filename":654,"copyright":33,"fieldtype":38,"is_external_url":24},[],[],[2597,2598,2599],{"path":664,"name":55,"lang":73,"published":55},{"path":664,"name":55,"lang":68,"published":55},{"path":664,"name":55,"lang":76,"published":55},[68],[],"2026-06-05 00:00",[2604],{"_uid":2605,"asset":2606,"caption":2610,"component":187},"df9201f4-9604-40c0-aed9-b0cc65e1e8ec",{"id":2607,"alt":33,"name":33,"focus":33,"title":33,"source":33,"filename":2608,"copyright":33,"fieldtype":38,"meta_data":2609,"is_external_url":24},140996900773661,"https://a.storyblok.com/f/146026/1536x1024/a68a8da405/best-month-end-close-software.png",{},"Bei der Wahl der richtigen Ausgabenmanagement-Software sollte man ganz genau hinsehen.","Welche Ausgabenmanagement Software passt zum deutschen Mittelstand? DATEV-Integration, GoBD, Business Case und Spendesk vs. Pleo im Vergleich.",[],[2614],{"cta":2615,"_uid":2616,"items":2617,"heading":2656,"reverse":24,"component":773,"sectionSettings":2675},[],"45aa079a-b800-47a7-829a-95f3337cbcab",[2618,2630,2643],{"_uid":2619,"hide":24,"title":2225,"component":691,"description":2620},"5be6d5fd-0cfe-4260-bf86-f986b8f60871",{"type":50,"content":2621},[2622],{"type":53,"attrs":2623,"content":2624},{"textAlign":55},[2625],{"text":2626,"type":60,"marks":2627},"Es umfasst die zentrale Steuerung aller Unternehmensausgaben – von Firmenkarten über Rechnungen und Beschaffung bis hin zur Buchhaltung. Im Unterschied zur reinen Spesenabrechnung deckt eine Ausgabenmanagement-Plattform den gesamten Ausgabenlebenszyklus ab. Bei Unternehmen mit mehr als 50 Mitarbeitern laufen typischerweise fünf bis sieben getrennte Ausgabenkanäle parallel. Eine zentrale Plattform fasst sie in einem Workflow zusammen.",[2628],{"type":117,"attrs":2629},{"color":119},{"_uid":2631,"hide":24,"title":2632,"component":691,"description":2633},"1cec846c-eeef-4b4c-af65-7f8a56e3bd9d","Welche Ausgabenmanagement-Software eignet sich für den deutschen Mittelstand?",{"type":50,"content":2634},[2635],{"type":53,"attrs":2636,"content":2637},{"textAlign":55},[2638],{"text":2639,"type":60,"marks":2640},"Entscheidend sind direkte DATEV-Integration, GoBD-konforme Belegarchivierung und SKR03/SKR04-Kompatibilität. 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Die Einordnung hängt vom konkreten Zweck und der Nutzung des Systems ab.",[2999],{"type":117,"attrs":3000},{"color":2131},{"_uid":3002,"hide":24,"title":3003,"component":691,"description":3004},"c25d26d6-9836-46de-b681-221bcad1832b","Wer trägt die Verantwortung bei einer falschen Kontierung?",{"type":50,"attrs":3005,"content":3006},{"backgroundColor":55},[3007],{"type":53,"attrs":3008,"content":3009},{"textAlign":55},[3010],{"text":3011,"type":60,"marks":3012},"Die Verantwortung für ordnungsgemäße Bücher bleibt beim Unternehmen. Die Software liefert einen Vorschlag, die endgültige Prüfung und Entscheidung liegen bei den zuständigen Personen im Finanzteam oder bei der Steuerkanzlei.",[3013],{"type":117,"attrs":3014},{"color":2131},{"_uid":3016,"hide":24,"title":3017,"component":691,"description":3018},"236197e4-393c-4419-9c94-f6650e8f9347","Was ist der Unterschied zwischen Vorkontierung und Kontierung?",{"type":50,"attrs":3019,"content":3020},{"backgroundColor":55},[3021],{"type":53,"attrs":3022,"content":3023},{"textAlign":55},[3024],{"text":3025,"type":60,"marks":3026},"Bei der Vorkontierung erhält ein Beleg einen Vorschlag, etwa für Sachkonto, Steuerschlüssel und Kostenstelle. Die Kontierung ist die endgültige Zuordnung, die nach der Prüfung und Bestätigung gilt.",[3027],{"type":117,"attrs":3028},{"color":2131},{"_uid":3030,"hide":24,"title":3031,"component":691,"description":3032},"be88f6ef-a366-43d6-b1b5-0cbbe29c04f0","Welche Belege sollten immer manuell geprüft werden?",{"type":50,"attrs":3033,"content":3034},{"backgroundColor":55},[3035],{"type":53,"attrs":3036,"content":3037},{"textAlign":55},[3038],{"text":3039,"type":60,"marks":3040},"Dazu gehören insbesondere neue Lieferant:innen, Mischbelege, ausländische Rechnungen, Reverse-Charge-Fälle, Bewirtungskosten, Anzahlungen und Vorgänge mit mehreren Gesellschaften oder Kostenstellen.",[3041],{"type":117,"attrs":3042},{"color":2131},[3044],{"cta":3045,"_uid":3046,"title":3047,"layout":33,"eyebrow":3055,"subtitle":3058,"component":139,"textAlign":33,"eyebrowPill":24,"checkmarkList":24,"flexibleSection":3061,"sectionSettings":3062,"displaySeparator":24,"breakLineOnMobile":24,"subtitleLeftBorder":24,"customTitleFontSize":33},[],"aeb99d52-60b1-455c-829b-dfd584bc1e6c",{"type":50,"attrs":3048,"content":3049},{"backgroundColor":55},[3050],{"type":139,"attrs":3051,"content":3052},{"level":141,"textAlign":55},[3053],{"text":3054,"type":60},"Häufige Fragen zu Machine Learning in der Buchhaltung",{"type":50,"content":3056},[3057],{"type":53},{"type":50,"content":3059},[3060],{"type":53},[],[],[],"machine-learning-buchhaltung","de/blog/machine-learning-buchhaltung",-3960,[],"fde23de4-a346-4e48-9496-c83fd749decd",[],"blog/machine-learning-buchhaltung",[3072,3073,3074],{"path":3070,"name":55,"lang":73,"published":55},{"path":3070,"name":55,"lang":68,"published":55},{"path":3070,"name":55,"lang":76,"published":55},1793980919115]