Microsoft 365 prices rise July 1.
Lock your rate first.
Microsoft raises Microsoft 365 list prices on July 1, 2026. Lock an annual term before then and you keep today's rate for the year. The same window is the moment to add Microsoft 365 Copilot at a discount through ABT. You do not have to move your licensing to do it.
- Tier 1 Microsoft CSP
- 750+ financial institutions
- 25+ years on Microsoft
- Current pricing held until your next renewal after July 1
- Business Premium does not change either way
- Copilot licenses are excluded from the increase
- We pull your tenant inventory and do the math
A Tier 1 Microsoft Cloud Solution Provider trusted by 750+ banks, credit unions, and mortgage lenders
The Microsoft 365 list prices going up
Microsoft's July 1 increase touches most Microsoft 365 plans. Business Premium holds. Copilot licenses are excluded. Here is the list-price move, per user per month.
| Microsoft 365 plan | Today | After July 1 | 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, EMS E3, Entra ID P1 | varies | higher | most add-ons rise |
Prices are per user per month, with-Teams list pricing. Microsoft 365 Apps moves $12 to $14, EMS E3 $10.60 to $12, Entra ID P1 $6 to $7, Windows E3 $6.63 to $7.63. Source: Microsoft licensing news, announced December 4, 2025.
Business Premium holds
Business Premium stays at $22 per user per month. If it is your standard seat, the urgency is your other plans and locking the annual term, not the Premium line itself.
Copilot is excluded
Microsoft 365 Copilot licenses and standalone Microsoft Teams are excluded from the July 1 increase. Copilot is not getting more expensive on July 1.
What to do this month
The lock is simple and Microsoft-documented. Renew or start an annual term before July 1 and your current pricing holds until your next renewal after July 1. Here is how it runs.
We pull your tenant inventory
We pull the active plan mix, seat-level usage, and renewal dates from your Microsoft 365 tenant. Nothing changes yet. You see exactly what you run and what each line costs today versus after July 1.
You lock an annual term by June 30
Renew or start an annual term before the deadline at today's price, with however many seats you are sure about. There is no seat minimum. The locked rate holds until that term's renewal after July 1.
You add seats later at the locked rate
Seats added mid-term inherit the locked term price, pro-rated to the term end. Start with the seats you are certain about and grow into the term. The math is done once and protected for the year.
Business Premium plus Copilot, for about $10 more
The full Microsoft 365 Copilot on top of Business Premium is $32 per user per month, about $10 over Business Premium alone and roughly $11 under buying the two as separate licenses. Here is the math in under a minute.
Read the Copilot buyer's guideSee your number before June 30
Tell us what you run today. We pull your inventory, show today's rate against the July 1 list, and lock the annual term before the window closes. The recommendation is yours to keep, free, either way.
While you are locking the rate, 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
Both current Copilot promos 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 locked rate as it proves out.
Copilot promos run through December 31
Copilot Business standalone is $18 per user per month through December 31, 2026. Business Basic plus Copilot Business is $21 per user per month through December 31. Both are annual terms, 1 to 300 licenses, no minimum.
Bundles become permanent July 1
On July 1 the SMB bundles transition to permanent plans: Business Standard plus Copilot at $23.50 and Business Premium plus Copilot at $32 per user per month. Lock the term before June 30 to capture today's bundle pricing.
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
Is Microsoft 365 Business Premium going up on July 1? +
No. Microsoft 365 Business Premium holds at $22 per user per month. It is not part of the July 1 increase. If Business Premium is your standard seat, the reason to act this month is twofold: your other Microsoft 365 plans that do rise, and locking an annual term so today's pricing is frozen for the next year.
What exactly increases on July 1? +
Most Microsoft 365 plans rise. Business Basic goes up 16 percent (from $6 to $7), Business Standard 12 percent (from $12.50 to $14), Office 365 E3 from $23 to $26, Microsoft 365 E3 from $36 to $39, Microsoft 365 E5 from $57 to $60, and the Frontline plans F1 and F3 rise the most on a percentage basis. Most add-ons follow, including Microsoft 365 Apps, EMS E3, and Entra ID P1. Business Premium holds at $22.
Can I still get current pricing after the increase? +
Yes, if you act before July 1. Microsoft's rule is that customers who renew or start an annual term before July 1, 2026 keep today's pricing until their next renewal after July 1. Locking an annual term by June 30 freezes your current rate for the duration of that term. After June 30, new terms price at the increased list. The fastest path is to let us pull your tenant inventory and run the renewal math now.
Is Microsoft 365 Copilot getting more expensive? +
No. Microsoft 365 Copilot licenses are excluded from the July 1 increase. Copilot Business standalone is $18 per user per month through December 31, 2026, and the Business Basic plus Copilot Business bundle is $21 per user per month through December 31. The SMB bundles do transition to permanent plans on July 1 at updated pricing, so the current bundle promotions end June 30, which is the reason to lock the bundle term this month.
Is there a minimum number of Copilot seats? +
No. Both current Copilot promotions run with no seat minimum, from 1 to 300 licenses on an annual term with annual billing. You can start with a handful of users who will get the most out of it, then add seats mid-term at the locked rate. Seats added during a term inherit the term's protected price, pro-rated to the end date, so the right approach is to start with the seats you are certain about and grow into the term.
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, run the renewal math, lock your pricing, 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 at a discount 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 to put everything on the same discount. If you already buy Microsoft 365 from ABT, Copilot is simply an add-on to what you have.
Lock your rate
before June 30
Tell us what you run today. We pull your Microsoft 365 tenant inventory, run the renewal math, lock the annual term at today's pricing, and show you the Copilot path. No obligation. The recommendation is yours to keep, whether you move forward with us or not.
