Copilot Pricing Guide for the UK (2025)

Microsoft's Copilot, marketed as "your everyday AI companion," is popping up across the vast network of Windows, Office apps, Edge, and Bing. From composing emails to writing code, it's a powerful tool for both solopreneurs and larger businesses. Understanding the Microsoft Copilot pricing can help you integrate it seamlessly into your daily operations.

For UK-based businesses, using AI tools such as Copilot comes with various foreign transaction fees that can easily add unnecessary costs. Luckily, there's a way to avoid these expensive conversion markups and keep subscription payments predictable. You can use the Wise Business card to manage your international expenses more efficiently, with access to 40+ currencies, with no hidden fees included.

💡 Learn more about Wise Business

Microsoft Copilot pricing overview

To meet the requirements of businesses of different sizes, there are several Copilot subscription plans with varying features and available add-ons. In order to understand this pricing structure, you first need to know the difference between Microsoft Copilot and Microsoft 365 Copilot.

Microsoft Copilot is a standalone AI tool designed with a conversational interface to help you perform simple tasks. There's the free version, and then there's the Microsoft Copilot Pro, which offers numerous additional features for a monthly fee.

As for the Microsoft 365 Copilot, this comprehensive AI solution is built into the whole Microsoft 365 suite and is targeted at businesses. It consists of the Basic, Standard, and Premium Business plans, each with its own monthly fee per user, but paid on a yearly basis.

Copilot free plan pricing

The base-level, free Copilot plan is, of course, free of charge. Without having to subscribe to any payment plan, you can use this AI assistant for various smaller tasks. While it has limited usage and features, the free plan is available to use in Windows, macOS, iPadOS, Microsoft Edge, on the web, as well as the Copilot mobile app, which you can get through either the Apple App Store or Google Play¹.

Copilot free plan features

The free version of Copilot has a conversational interface that offers a selection of basic AI assistance features, including the following:

• Quick research,
• Help with writing tasks,
• Text summarisation,
• Spelling and grammar checks,
• Limited image generation.

Obviously, when something comes free of charge, you'll be working with some limitations. First, you won't be able to use it in Microsoft 365 apps – you'll only have access to AI features in Designer. Some features will have limits – for example, generating images will be limited to 15 boosts per day. Also, the free version can only be used during non-peak times, as paid users are given priority.

Is the Copilot free plan right for my business?

If you're a solopreneur or have a small business that needs AI assistance for simple daily tasks, the free-of-charge plan might be the right choice. However, keep in mind that you'll have access to it only during non-peak hours, so it's only fit for those with a flexible schedule.

Copilot Pro pricing

The Microsoft Copilot Pro comes at a monthly subscription fee of $20 per user². It also comes with a 1-month free trial, so you will be able to try it out and see if it works well with your usual daily tasks.

Copilot Pro features

The Copilot Pro plan can do everything the free version can, and more. You're getting fewer limitations for features like AI image generation and voice assistance, and it can be used with select Microsoft web apps, including Word, Excel, PowerPoint, and more. On top of that, this subscription plan provides early access to the latest AI features.

Is the Copilot Pro free plan right for my business?

Copilot Pro is perfect for solopreneurs and businesses that need a little more AI assistance throughout their daily operations. It will help you complete small tasks more efficiently, especially if you rely on Microsoft web apps to complete them. Also, if it's important that you have access to it whenever you need it, it's the right choice for your business.

Microsoft 365 Copilot pricing

As already mentioned, the Microsoft 365 Copilot offers three different subscription options. The Business Basic is priced at $36, the Business Standard is $42.50, and the Business Premium is $52³. These are monthly fees paid yearly by the user.

Microsoft 365 Copilot features

The three Microsoft 365 Copilot options vary from each other in the apps and services included, with each higher subscription plan being more comprehensive than the previous. However, here's what you can generally expect, no matter if you go for the Basic, Standard, or Premium:

• Seamless integration with a wide selection of Microsoft 365 apps,
• Access management to as many as 300 users,
• AI-powered chat experience with writing assistance, data analysis, web grounding, and access to agents.

Is the Microsoft 365 Copilot plan right for my business?

If your team already relies on Microsoft 365 tools like Word, Excel, Outlook, and Teams, any of the Microsoft 365 Copilot plans could be a smart upgrade. It will save time and improve productivity, especially if your business usually handles multiple projects at once. For operations of up to 300 users, it's definitely worth considering.

What is the Copilot license cost currency?

While the default currency for Copilot's subscription services is USD, the provider also offers regional pricing in British pounds⁴ and Euros⁵. However, since it primarily charges in USD, UK-based businesses paying with standard bank cards may be faced with foreign transaction fees.

To avoid this, you can use the Wise Business multi-currency card, which can be used in 150+ countries and is available in 40+ currencies. You can also use the currency converter provided by our team to check real-time exchange rates and always know what to expect.

Get started with Wise Business 🚀

How to save on the Microsoft Copilot cost

To keep your Copilot subscription payments in check, first, you need to select the right plan that aligns with the requirements and goals of your business. Assess what you need to operate smoothly and avoid paying extra for features you don't really need.

It's also a good idea to use a Wise Business multi-currency card so you can avoid hidden fees and always stay on top of exchange rates. On top of that, with Wise Business, there's a 0.5% cashback on eligible purchases, including Copilot subscriptions.

Get started with Wise Business 🚀

Copilot vs. Gemini - price comparison

Both Microsoft Copilot and Google Gemini are used to streamline the workflows of different businesses using AI assistance. However, there are significant differences when it comes to the pricing structures, although they both have free plans available. Gemini Google AI Pro is priced at $19.99 per month, while the AI Ultra is $249.99 per month. Microsoft Copilot has more subscription plans available, and they go up to $52 per month.

FAQs - copilot pricing

Does Copilot have a free plan?

Yes, Copilot has a free plan that provides access to its core AI features, including chat, image generation, and voice interaction.

Does Copilot have an app?

Yes, Microsoft Copilot has dedicated mobile apps available for both iOS and Android devices. The app offers AI chat, voice input, image generation, and writing assistance.

Does Copilot have an API?

Yes, Microsoft offers Copilot APIs through the Microsoft Graph API under the /copilot/ namespace. The APIs allow developers to integrate Copilot's AI capabilities into custom applications, enabling features like multi-turn conversations grounded in Microsoft 365 content.

Start your Copilot subscription the smart way with Wise

To suit every kind of business out there, from solopreneurs to those with up to 300 employees, Microsoft Copilot offers various subscription plans. The free AI tool can be more than enough for those needing a little bit of assistance with small tasks from time to time, while Microsoft 365 Copilot is the right move for businesses needing a more comprehensive workflow.

However, picking the right plan is as crucial as figuring out how the payment transactions will be handled. With the help of Wise Business, you will be able to pay the mid-market exchange rate 100% of the time. With the added perk of 0.5% cashback on eligible transactions on top, it's really a no-brainer for any business looking to handle international payments more efficiently.

Get started with Wise Business 🚀

Sources used in this article:

Sources last checked 24/06/2025