Microsoft 365 prices went up.
Yours change at your renewal.
The Microsoft 365 list-price increase took effect July 1, 2026, and it does not reach everyone at once. Microsoft applies the new pricing at your next renewal after that date, so the number you pay is set by your own renewal calendar. Know your dates, take the term decision with the new list in front of you, and the same conversation is where Microsoft 365 Copilot gets turned on without moving your licensing.
- Tier 1 Microsoft CSP
- 750+ financial institutions
- 25+ years on Microsoft
- Existing plans stay on current pricing until they renew
- Business Premium did not change either way
- Copilot licenses are excluded from the increase
- We pull your tenant inventory and map every renewal date
A Tier 1 Microsoft Cloud Solution Provider trusted by 750+ banks, credit unions, and mortgage lenders
The Microsoft 365 list prices that moved
The increase touched most Microsoft 365 plans. Business Premium held. Copilot licenses were excluded. Here is the move, per user per month, at list.
| Microsoft 365 plan | Old list | List now | Change |
|---|---|---|---|
| Business Basic | $6.00 | $7.00 | +16% |
| Business Standard | $12.50 | $14.00 | +12% |
| Business Premium | $22.00 | $22.00 | Holds |
| Office 365 E3 | $23.00 | $26.00 | +13% |
| Microsoft 365 E3 | $36.00 | $39.00 | +8% |
| Microsoft 365 E5 | $57.00 | $60.00 | +5% |
| Frontline F1 | $2.25 | $3.00 | +33% |
| Frontline F3 | $8.00 | $10.00 | +25% |
| Microsoft 365 Apps | $12.00 | $14.00 | +17% |
| Entra ID P1 | $6.00 | $7.00 | +16% |
| Entra ID P2 | $9.00 | $10.00 | +11% |
Per user per month, with-Teams list pricing, in US dollars. Also moved: Enterprise Mobility and Security E3 from $10.60 to $12, EMS E5 from $16.40 to $18, Windows E3 from $6.63 to $7.63, Office 365 E5 from $38 to $41. Purview Suite and Defender Suite held at $12. Source: Microsoft licensing news, Microsoft 365 pricing and packaging updates, verified August 14, 2026.
Business Premium held
Business Premium stayed at $22 per user per month, and $18.79 on the no-Teams line. If it is your standard seat, the number to look at is your other plans and the term you take at renewal, not the Premium line itself.
Copilot was excluded
Microsoft 365 Copilot licenses and standalone Microsoft Teams sit outside this increase entirely. Microsoft has said any future change to those lines would be announced separately.
What to do before your date arrives
Microsoft's rule is plain: existing customers move to the new pricing at their next renewal after July 1, 2026, and that holds for annual and monthly plans alike. A multi-year agreement carries its current pricing right through to its own renewal. So the work is knowing your dates and sitting down with the term options while there is still time to choose between them. Here is how it runs.
We map every renewal date
We pull the active plan mix, seat-level usage, and the renewal date on every subscription in your Microsoft 365 tenant. Nothing changes yet. You see what you run, what each line costs you today, and what it will cost when that particular subscription renews.
You choose the term at the date
At renewal you decide the shape: an annual term, or a longer commitment that holds its price further out. The term you take is the lock. One caution we will raise before you sign it: a mid-term upgrade to a three-year Microsoft 365 E3 or E5 plan pulls your subscription start date forward, which moves your renewal with it.
You add seats later at that rate
Seats added mid-term inherit the term price, pro-rated to the term end date. Start with the seats you are certain about and grow into the term. Seat reductions wait for renewal, so the honest advice is to size up rather than down.
Business Premium plus Copilot, for about $10 more
Business Premium with Copilot is now a permanent Microsoft plan at $32 per user per month, about $10 over Business Premium alone. It stopped being a promotion on July 1, so there is no expiry to race and no promo cycle to time. Here is the math in under a minute.
Read the Copilot buyer's guideFind out what your renewal actually costs
Tell us what you run today. We map every renewal date in your tenant, show each line at your current rate against the new list, and put a term recommendation next to it. The recommendation is yours to keep, free, either way.
While you are planning the renewal, turn on the AI
The lock protects what you spend. Microsoft 365 Copilot is what your team gets back: the drafting, the summarizing, the searching across Word, Excel, Outlook, and Teams that eats a regulated team's day.
Back per user, per week
Forrester found roughly 1.5 hours per user per week recovered with Microsoft 365 Copilot. Less copying and pasting between systems, faster first drafts, less time hunting through inboxes and shared drives.
Adoption at a credit union
First West Credit Union reached 93% Copilot adoption. This is not a pilot that sits unused. When it lives inside the tools people already open every day, it gets used across the institution.
Start small, grow into it
The current Copilot Business offers run with no seat minimum, from 1 to 300 licenses on an annual term. Start with the handful of people who will use it most, then add seats at the term price as it proves out.
Two Copilot offers run to December 31
Microsoft 365 Copilot Business is $18 per user per month through December 31, 2026. Business Basic with Copilot Business is $21 per user per month through the same date. Both are annual terms with annual billing, 1 to 300 licenses, no minimum.
Try 25 users for 30 days first
Microsoft's partner-led Copilot in 30 gives an organization under 300 employees a 25 user, 30 day Microsoft 365 Copilot Business trial through a Cloud Solution Provider, available through December 31, 2026. ABT runs it as a structured evaluation, not a license nobody opens.
The newest reason to have the conversation: Copilot now does the work
On June 16, 2026, Microsoft made Microsoft 365 Copilot Cowork generally available. Regular Copilot drafts and summarizes when you ask. Cowork is the agentic layer: you describe the outcome and it carries out the multi step job on your behalf, inside the same Microsoft 365 tenant ABT manages for you. It runs on Anthropic's Claude models, Opus 4.8 and Sonnet 4.6 at launch.
A morning loan briefing, on a schedule
Cowork can build a daily loan pipeline briefing from your Microsoft 365 data and post it to a Teams channel on a schedule, so the briefing runs each morning instead of someone rebuilding it by hand.
Borrower follow ups you approve before they send
Cowork can triage the inbox and draft borrower and referral partner follow ups in Outlook. It shows you a preview and asks for your approval before it sends, so the work gets done and a person still signs off.
It can follow your process, not a generic one
Cowork can use custom skills your organization keeps in OneDrive. ABT can write a skill that captures your institution's process, the way our MortgageGuide assistant already knows mortgage work, so Cowork follows your steps.
Cowork is billed by usage, not a flat seat
Cowork needs a Microsoft 365 Copilot license first, then it bills by the task in Copilot Credits, with the cost based on the work each job does. Because usage based agent work can become material under heavy or recurring use, the budgets matter from day one.
ABT helps you govern the spend
You set your license rate at renewal. We help govern the new usage layer the same way, with budgets and per user spend limits in the admin cost dashboard plus a usage forecast, so the bill stays visible and more predictable. The more Cowork can do, the more your permissions and Purview controls matter, which is exactly what the next section is about.
Turning Cowork on safely in a regulated tenant is the work. Ask ABT for a Cowork readiness and cost assessment and we will pilot it in a controlled workflow, set the budgets, and write the skills before it scales.
Safe to turn on, ready for the examiner
Microsoft 365 Copilot runs inside your own Microsoft 365 tenant, which ABT manages on your behalf. It honors the permissions you already set, and your data does not train Microsoft's foundation models.
Inside your tenant
Copilot runs in your own Microsoft 365 tenant. It only reaches data the signed-in user already has permission to open. Nothing is copied out to a consumer AI tool, and your content does not train Microsoft's models.
Audit trail, examiner-ready
Microsoft Purview captures the audit trail for Copilot activity, and existing sensitivity labels and data protection policies carry through. The posture you can show an examiner is the same one you already run.
Managed and governed by ABT
As a Tier 1 Microsoft Cloud Solution Provider, we manage your Microsoft 365 tenant: we configure the controls, watch for drift, and govern the rollout. We carry a SOC 1 Type 2 and a SOC 2 Type 1 attestation.
Add Copilot through ABT, whichever side you start from
You do not have to move your Microsoft 365 to add Copilot. A tenant can carry more than one Tier 1 Microsoft Cloud Solution Provider, so you can buy Copilot from ABT at a discount while the rest of your licensing stays exactly where it is. Start with one seat or your whole team.
Add Copilot to your Microsoft 365 Guardian
- You already license Microsoft 365 with us, so Copilot is a simple add-on
- About $10 more per user on the Business Premium bundle, no minimum seat count
- We turn on Microsoft 365 Copilot, govern the rollout, and keep it examiner-ready
- Add seats any time at the same locked rate as your team adopts it
Add ABT as one of your CSPs, no switch required
- Tier 1 Microsoft Cloud Solution Provider for 750+ financial institutions, SOC 1 Type 2 and SOC 2 Type 1
- Buy just Copilot from us at a discount, even a single seat, with nothing else to move
- Microsoft lets you hold more than one Tier 1 CSP, so this changes nothing about your current setup
- Migrate other subscriptions to ABT later if you want the same discount across the board
Frequently asked questions
Did Microsoft 365 prices already go up? +
Yes. The new list prices took effect July 1, 2026. What most organizations have not seen yet is the invoice, because Microsoft applies the new pricing at your next renewal after that date. Until that renewal comes around, your existing subscriptions stay on the pricing you already have. Annual plans and monthly plans both work this way, and a multi-year agreement carries its current pricing right through to its own renewal.
When exactly does the new price reach my organization? +
At your next renewal after July 1, 2026. That is the whole rule, and it means the date is different for every institution, and often different for each subscription inside a single tenant. If you renewed a term in June, you may be holding your old rate well into 2027. If a term renews next month, the new list applies then. The first useful step is a map of every renewal date in your tenant, which is what we build for you.
Is Microsoft 365 Business Premium going up? +
No. Business Premium held at $22 per user per month with Teams, and $18.79 on the no-Teams line. It was not part of this increase. If Business Premium is your standard seat, the lines worth reviewing are your other plans, your add-ons such as Microsoft Entra ID, and the term you take at your next renewal.
What exactly went up? +
Most Microsoft 365 plans. Business Basic moved from $6 to $7, Business Standard from $12.50 to $14, Office 365 E3 from $23 to $26, Microsoft 365 E3 from $36 to $39, and Microsoft 365 E5 from $57 to $60. The Frontline plans rose the most on a percentage basis, F1 from $2.25 to $3 and F3 from $8 to $10. Add-ons followed, including Microsoft 365 Apps from $12 to $14, Microsoft Entra ID P1 from $6 to $7, Entra ID P2 from $9 to $10, and Enterprise Mobility and Security E3 from $10.60 to $12. Business Premium, the Microsoft Purview Suite, and the Microsoft Defender Suite all held.
Can I still hold current pricing? +
If a subscription has not renewed since July 1, 2026, you are already holding it, and you keep it until that term renews. The window to start a brand new term at the old list closed on June 30. What is still in your hands is the term you take at renewal: the price agreed there is the price you hold for the length of that term, and seats added mid-term inherit it at the same protected rate.
Did Microsoft 365 Copilot get more expensive? +
No. Copilot licenses and standalone Microsoft Teams sit outside this increase. Microsoft 365 Copilot Business is $18 per user per month through December 31, 2026, and Microsoft 365 Business Basic with Copilot Business is $21 per user per month through the same date, both on an annual term with annual billing. The two small-business bundles became permanent plans on July 1, Business Standard with Copilot at $23.50 and Business Premium with Copilot at $32, so there is no promotional expiry left to time on those two.
Can we try Copilot before committing to it? +
Yes. Microsoft runs a partner-led trial called Copilot in 30 for organizations with fewer than 300 employees: 25 users, 30 days of Microsoft 365 Copilot Business, arranged through a Cloud Solution Provider. It is available through December 31, 2026. ABT sets it up, picks the starting users with your team, and runs the 30 days as a structured evaluation with real use cases, rather than a license switched on in the hope that somebody opens it.
Is there a minimum number of Copilot seats? +
No. The current Copilot Business offers run from 1 to 300 licenses with no minimum, on an annual term with annual billing. Start with the handful of people who will use it most, then add seats mid-term at the term protected price, pro-rated to the end date. Seat reductions wait until renewal, so the honest approach is to size up rather than down.
Is AI safe for a regulated bank or credit union? +
Microsoft 365 Copilot runs inside your own Microsoft 365 tenant. It only reaches data the signed-in user is already permitted to open, it honors your existing sensitivity labels and data protection policies, and your content does not train Microsoft's foundation models. Microsoft Purview captures the audit trail. ABT manages the tenant and governs the rollout as a Tier 1 Microsoft Cloud Solution Provider, with a SOC 1 Type 2 and a SOC 2 Type 1 attestation behind the service.
What does ABT do with my Microsoft 365? +
ABT is a Tier 1 Microsoft Cloud Solution Provider primarily dedicated to financial services, supporting 750+ banks, credit unions, and mortgage lenders. Microsoft hosts the Microsoft 365 infrastructure; ABT manages your tenant on your behalf through delegated admin granted by the partnership. We license the seats, configure the security baseline, map your renewal dates, run the term math, and govern your Copilot rollout. On the Azure side, where the subscriptions are customer-controlled, ABT hosts the environment as your partner of record.
Do I have to switch my Microsoft 365 to ABT to add Copilot? +
No. You do not have to move your existing Microsoft 365 to add Copilot. Microsoft supports more than one Cloud Solution Provider on a single customer, so you can buy Microsoft 365 Copilot from ABT while the rest of your licensing stays exactly where it is today. Many customers start by adding Copilot for one user or a small group, then migrate their other subscriptions to ABT later so everything sits on one relationship. If you already buy Microsoft 365 from ABT, Copilot is simply an add-on to what you have.
Know your renewal
before it arrives
Tell us what you run today. We pull your Microsoft 365 tenant inventory, map every renewal date, price each line at your current rate against the new list, recommend the term, and show you the Copilot path. No obligation. The recommendation is yours to keep, whether you move forward with us or not.
