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Business English Journal · Nº 14 B1 — B2 · 45 MIN

Expenses &
Reimbursement

Money moves in and out of every organization. When you pay for business-related things from your own pocket, you need the right words to get that money back — clearly, confidently, and without confusion.

LevelB1 / B2
FocusFinance English
SkillsVocab · Reading · Speaking
IssueFY 2026 / Q2
§ 01 · Warm-up

Before we begin

Click a question to reveal a model answer. Then think about your own.

Have you ever paid for something at work from your own pocket?
How quickly should a company pay employees back?
What documents do you need to get your money back?
Who handles expenses in your company?
Model answer Yes, I often do. When I travel for business, I sometimes pay for a taxi, lunch, or a hotel from my own pocket and then claim the money back from the company later. It's called an out-of-pocket expense.
Model answer In most companies, reimbursement takes up to two weeks after the expense report is approved. Some international firms pay faster — within a few days — while others can take a month, especially if the approval process goes through several people.
Model answer You usually need a receipt or an invoice as proof of purchase. Some companies also accept digital receipts or photos. Without proper documents, expenses are not covered.
Model answer Expenses are normally handled by the finance department or the accounting team. In smaller companies, the manager or even the CEO may approve expense reports directly.
§ 02 · Vocabulary

Match EN → PL

Click one English item, then its Polish translation. Correct matches turn green.

Matched: 0 / 10

English

expense report
reimbursement
to claim expenses
business expenses
out-of-pocket expenses
invoice
receipt
proof of purchase
to submit
to approve

Polish

zatwierdzić
paragon
wydatki z własnej kieszeni
raport wydatków
złożyć / przesłać
faktura
dowód zakupu
ubiegać się o zwrot wydatków
zwrot kosztów
wydatki służbowe
Select an English item to begin.
§ 03 · Reading I

Dialogue: Employee ↔ Finance

A typical workplace conversation. Key vocabulary is highlighted — hover or tap to see the Polish equivalent.

Memo · Internal · Confidential Draft
Employee Hi, I'd like to settle my expenses with the company.
Finance Sure. Have you submitted your expense report?
Employee Not yet. I'm still collecting all the receipts.
Finance Please make sure you attach proof of purchase.
Employee Of course. Can I claim these travel expenses?
Finance Yes, but only business expenses are covered.
Employee I understand. I also had some out-of-pocket expenses.
Finance That's fine. The company will reimburse you.
Employee Great. How long does the reimbursement take?
Finance Usually up to two weeks after approval.
Employee Okay, I'll submit everything today.
Finance Perfect. Let us know if you have any questions.
§ 04 · Reference

The Expense Lexicon

Fifteen essential terms, grouped by function. Scan this table before moving on.

01expense reportraport wydatkówDocument
02invoicefakturaDocument
03receiptparagonDocument
04proof of purchasedowód zakupuDocument
05to submit an expense reportzłożyć raport wydatkówAction
06to claim expensesubiegać się o zwrotAction
07to get reimbursedotrzymać zwrot kosztówAction
08to approvezatwierdzićAction
09to attach receiptsdołączyć paragonyAction
10business expenseswydatki służbowePhrase
11out-of-pocket expenseswydatki z własnej kieszeniPhrase
12reimbursementzwrot kosztówPhrase
13these expenses are not coveredte wydatki nie są pokrywanePhrase
14the company will reimburse youfirma zwróci Ci kosztyPhrase
15I need to submit my expensesmuszę rozliczyć swoje wydatkiPhrase
§ 05 · Reading II

How expense reports really work

A short explainer on why companies care so much about receipts — and what's changing in 2026.

When employees spend money on behalf of their company, that money doesn't just return magically. A structured process — the expense report — makes sure every dollar, euro, or złoty is tracked, justified, and legally documented.

Why every receipt matters

Tax authorities in most countries require companies to prove that business expenses are genuinely business-related. If a company can't show a receipt, the expense may not be deductible — meaning the company pays more tax. That's why finance teams insist on proof of purchase for every claim, even for small amounts like a coffee with a client.

The expense report isn't bureaucracy. It's how trust between employee, employer, and tax authority is documented.

The modern shift: automation

Until recently, most employees kept paper receipts in wallets and envelopes, then typed everything into a spreadsheet at the end of the month. Today, tools like SAP Concur, Expensify, and Rydoo let you photograph a receipt with your phone — the app reads the amount, currency, and vendor automatically, then files the claim.

According to industry research, automated expense management reduces processing time by around 40–60% and cuts errors significantly. For companies with hundreds of employees, that's a major operational improvement.

What's typically covered

Standard business expenses include transport (flights, taxis, trains), accommodation, client meals, conference fees, and essential office supplies. What's usually not covered: alcohol (in many strict companies), entertainment without a business purpose, personal shopping, and upgrades to business class without approval.

Sources: SAP Concur industry reports · Gartner analysis on T&E automation · IRS & EU guidelines on business expense deductibility.
§ 06 · Collocations

Words that go together

In Business English, verbs and nouns travel in fixed pairs. Learn them together.

Verb+ Noun/PhraseTranslation
submitan expense reportzłożyć raport wydatków
claimexpenses / a refundubiegać się o zwrot
attacha receipt / an invoicedołączyć paragon
approvea claim / a reportzatwierdzić wniosek
rejectan expenseodrzucić wydatek
coverthe cost / expensespokryć koszty
getreimbursedotrzymać zwrot
issuean invoicewystawić fakturę
processa paymentprzetworzyć płatność
exceedthe budget / limitprzekroczyć budżet
§ 07 · Practice I

Gap-fill exercise

Complete each sentence with a word from the bank. Use each word once.

Word bank · 10 items submit receipts reimburse covered claim approved invoice attach pocket expense
01
Please your expense report by Friday.
02
Don't forget to all the receipts to your claim.
03
I paid for the dinner from my own — can I get reimbursed?
04
The company will you within two weeks after approval.
05
I'm sorry, but personal shopping is not by the company.
06
Can you please send me the from the hotel?
07
Keep all your — they are your proof of purchase.
08
I'd like to the taxi fare as a business expense.
09
Your expense report has been by the finance department.
10
I need to file a new report before the end of the month.
§ 08 · Practice II

Multiple choice

Choose the best option. You'll see a short explanation after each answer.

Q1.Which document is a detailed bill issued by a seller, often used by companies?
AA receipt
BAn invoice
CA claim
DA reimbursement
Why BAn invoice is a formal document with tax details (VAT number, company info, itemized prices). A receipt is a simpler proof of payment — typically a short printed slip from a shop or restaurant.
Q2."I paid for the taxi myself" is an example of…
Aa business expense
Ba reimbursement
Can out-of-pocket expense
Dan expense report
Why CAny cost you pay from your own money — before being reimbursed — is out-of-pocket. It can still become a business expense once it's approved.
Q3.The verb that best fits: "to ___ an expense report"
Asubmit
Battach
Cissue
Dexceed
Why ASubmit means to officially send something for review. You submit a report; you attach documents to it; you issue an invoice (= produce it). Exceed means to go over a limit.
Q4."These costs are not ___" means the company will not pay them back.
Asubmitted
Battached
Cclaimed
Dcovered
Why DWhen an expense is "not covered", the company refuses to pay for it. Common fixed phrase: covered by the company policy.
Q5.Your manager says: "Your expenses have been approved." What happens next?
AYou need to resubmit the report.
BThe money will be transferred to you.
CYou must attach more receipts.
DThe company rejects your claim.
Why B"Approved" is the green light in any finance process. After approval, payment (reimbursement) is processed — usually within days to weeks depending on company policy.
§ 09 · Practice III

True or False?

Based on the article in Section 5. Click T or F.

01 Companies require receipts partly because tax authorities demand proof of business expenses.
02 Alcohol is always covered by company expense policies.
03 Automated expense tools can cut processing time by 40–60%.
04 Out-of-pocket expenses can never be reimbursed.
05 An invoice and a receipt are not the same document.
06 An approved expense report means the employee has to pay the company back.
§ 10 · Discussion

Talk about it

Use the vocabulary from this lesson. Aim for 3–4 full sentences per answer.

Prompt 01

Describe the expense reimbursement process in your company — or how you imagine it should work.

Prompt 02

Should employees be reimbursed faster than two weeks? Argue for or against.

Prompt 03

What kinds of expenses should a company never cover? Why?

Prompt 04

Have you ever had a claim rejected? What happened — and how did you handle it in English?

Prompt 05

Do you prefer paper receipts or apps like Expensify? What are the pros and cons?

Prompt 06

Imagine you're calling the finance department in English. What are the 3 most important phrases you need?

§ 11 · Takeaways

What to remember

Five core points, one closing line, and a personal checklist.

Lesson · Nº 14 · Summary

Five things you can now do in English

  1. Submit an expense reportUse the verb submit — not "send" or "give." It's the standard business verb for formally filing a document.
  2. Attach proof of purchaseAlways say "attach receipts" or "attach an invoice." Without them, you cannot claim anything.
  3. Distinguish expense typesBusiness expenses are work-related and covered; out-of-pocket means you paid first and need reimbursement.
  4. Talk about the reimbursement timeline"The company will reimburse you — usually up to two weeks after approval." A reliable, memorizable formula.
  5. Ask if something is covered"Is this covered by the company?" is the single most useful question before you spend anything unusual.
Business English isn't about big words. It's about knowing the exact ten phrases that move money — and using them with confidence.
Personal checklist — tap to mark complete
  • I can translate the 15 key terms from the catalogue (§ 04)
  • I can use "submit," "attach," "claim," and "approve" correctly
  • I can explain the difference between an invoice and a receipt
  • I can ask "Is this covered?" and "How long does reimbursement take?"
  • I can role-play the Employee ↔ Finance dialogue without the text