Last updated: April 2026
Copilot Chat is available to Microsoft business users. The features you can use depend on whether your admin has assigned you a Microsoft 365 Copilot add-on license.
To use Copilot Chat you need to sign in with your work or school account and have a qualifying Microsoft 365 business subscription.
Copilot Chat with or without an add-on license
| Feature | Without a Copilot license (Copilot Chat only) |
With a Copilot license （Microsoft 365 Copilot） |
|---|---|---|
| AI model access | Standard access | Priority access |
| Web data reasoning | Yes | Yes |
| Work data reasoning | Limited (uploaded files) | Full (meetings, emails, chats, files, and more) |
| Access to agents | Limited (no advanced agents) | Extensive use (including advanced agents like Researcher, Analyst, and custom agents) |
| Security | Enterprise grade | Enterprise grade |
| Copilot studio access | Pay-as-you-go | Included |
| Priority | Standard (may be limited during peak times) | Priority (faster, more reliable) |
| Copilot in Outlook | Included | Included |
| Copilot in Microsoft 365 apps | Depends on your label | Included |
For additional information about what you have access to with Copilot sign into Copilot.microsoft.com check what label is assigned to you.
A label of Copilot Chat (Basic), M365 Copilot (Basic), or M365 Copilot (Premium) appears under your name.
This label indicates where you can access Copilot directly. Learn more about labels and what they mean in What Copilot license do I have.
Copilot help for IT admins
If you're an admin and want to learn more about setting up Copilot Chat in your organization, see the following: