Copilot vs ChatGPT vs Claude for business.

An end-to-end comparison of ChatGPT, Claude and Microsoft Copilot across business and enterprise plans, covering pricing, data privacy, security, features, usage limits, integrations and admin controls.

Yes
No
Partly, or needs a higher licence, add-on or sales contract
Not stated by the vendor

Last edited 7 October 2026

	Copilot			Claude			ChatGPT
	Copilot Business	Copilot Enterprise	Claude Team	Claude Enterprise	ChatGPT Business	ChatGPT Enterprise
	Business	Enterprise		Team	Enterprise		Business	Enterprise
Commercials
Price per user, per month	$21, plus Microsoft 365	$30, plus Microsoft 365 and Copilot Credits		$20 or $100, by usage level	$20, plus usage		$20 or $100, by usage level	By quote
On monthly billing	$25.20	Annual only		$25 or $125, by usage level	Annual only		$25 or $125, by usage level	By quote
Minimum seats	Not stated by the vendor	Not stated by the vendor		2	20		2	By quote
Maximum seats	300	No cap		150	No cap		200	Not stated by the vendor
Buy online by card	Yes	No. Via Microsoft		Yes	Yes		Yes	No. Sales only
Free trial	Yes. One month	No		Not stated by the vendor	Partly, or needs a higher licence, add-on or sales contract. Via sales		Not stated by the vendor	Not stated by the vendor
Other licence needed	Microsoft 365 Business	Microsoft 365 E3 or E5		None	None		None	None
Usage included	Fair use	Fair use		Capped per seat	None, all billed		Capped per seat	Shared credit pool
Past the cap	Agent work metered	Agent work metered		Wait, or buy more	Billed at API rates		Wait, or buy credits	Pool, then overage
Resellers and marketplaces	Yes. CSP partners	Partly, or needs a higher licence, add-on or sales contract. Via Microsoft		No. Direct only	Yes. AWS Marketplace		No. Direct only	Partly, or needs a higher licence, add-on or sales contract. Via sales
Data handling
No training on your data	Yes	Yes		Yes	Yes		Yes	Yes
No-training term in the contract	Yes	Yes		Yes	Yes		Yes	Yes
Default retention	Set in Microsoft 365	Set in Microsoft 365		Until the user deletes	Until the user deletes		Until deleted	Until deleted
Admin-set retention	Partly, or needs a higher licence, add-on or sales contract. Via Purview	Yes. Via Purview		No	Yes. Custom		Partly, or needs a higher licence, add-on or sales contract. Unclear	Yes. Custom
Zero data retention	Not stated by the vendor	Not stated by the vendor		No	Partly, or needs a higher licence, add-on or sales contract. Claude Code only		No	Partly, or needs a higher licence, add-on or sales contract. By negotiation
Prompts stored in Australia	Yes	Yes		No. US	No. US		No	Yes. On request
Model runs in Australia	No. Due end of 2026	No. Due end of 2026		No	No		Not stated by the vendor	No
Other AI vendors process your data	Yes. Anthropic, by default	Yes. Anthropic, by default		No	No		No	No
Encryption at rest and in transit	Yes	Yes		Yes	Yes		Yes	Yes
Customer-managed keys	Partly, or needs a higher licence, add-on or sales contract. Needs E5 tier	Partly, or needs a higher licence, add-on or sales contract. Needs E5 tier		No	Yes		No	Yes
Vendor staff access	Approval needs E5	Approval with E5		Flagged content only	Flagged content only		Support and abuse review	Incidents only
Public subprocessor list	Yes	Yes		Yes	Yes		Yes	Yes
Admin export of chats	Yes	Yes		Yes	Yes		Partly, or needs a higher licence, add-on or sales contract. Unclear	Yes. Via API
Deletion when you leave	Not stated by the vendor	Not stated by the vendor		Yes. 30 days	Yes. 30 days		Not stated by the vendor	Yes. 30 days
Identity and access
Single sign-on	Yes	Yes		Yes	Yes		Yes	Yes
Sign in with Microsoft	Yes	Yes		Yes	Yes		Yes	Yes
Domain capture	Not stated by the vendor	Not stated by the vendor		No	Yes		Not stated by the vendor	Partly, or needs a higher licence, add-on or sales contract
SCIM provisioning	Yes. Built in	Yes. Built in		No	Yes		No	Yes
Just-in-time provisioning	Not stated by the vendor	Not stated by the vendor		Yes	Yes		Yes	Yes
Custom roles	Partly, or needs a higher licence, add-on or sales contract. Needs Business Premium	Yes		No	Yes		No	Yes
Permissions by group	Yes	Yes		No	Yes		No	Yes
MFA enforcement	Yes	Yes		Partly, or needs a higher licence, add-on or sales contract. Via your IdP	Partly, or needs a higher licence, add-on or sales contract. Via your IdP		Partly, or needs a higher licence, add-on or sales contract. Via your IdP	Partly, or needs a higher licence, add-on or sales contract. Via your IdP
IP or conditional access rules	Partly, or needs a higher licence, add-on or sales contract. Needs Business Premium	Yes		No	Yes. Via support		No	Yes
Session length controls	Partly, or needs a higher licence, add-on or sales contract. Needs Business Premium	Yes		No	Yes		Not stated by the vendor	Not stated by the vendor
Block personal accounts at work	Not stated by the vendor	Not stated by the vendor		No	Yes		Not stated by the vendor	Not stated by the vendor
Admin and governance
Admin controls	Yes	Yes		Yes	Yes		Yes	Yes
Audit logs	Yes. Via Purview	Yes. Via Purview		No	Yes		Not stated by the vendor	Yes
Audit log retention	180 days	180 days to 1 year		None	Not stated by the vendor		None	30 days
Chat content for compliance	Yes	Yes		No	Yes		No	Yes
Export to a SIEM	Yes	Yes		No	Partly, or needs a higher licence, add-on or sales contract. Via partners		No	Yes
eDiscovery	Partly, or needs a higher licence, add-on or sales contract	Yes		No	Partly, or needs a higher licence, add-on or sales contract. Via partners		No	Partly, or needs a higher licence, add-on or sales contract. Via partners
Legal hold	Not stated by the vendor	Yes		Not stated by the vendor	Not stated by the vendor		Not stated by the vendor	Not stated by the vendor
Data loss prevention	Partly, or needs a higher licence, add-on or sales contract. Needs E5 tier	Partly, or needs a higher licence, add-on or sales contract. Needs E5 tier		No	Partly, or needs a higher licence, add-on or sales contract. Via partners		No	Partly, or needs a higher licence, add-on or sales contract. Via partners
Usage analytics	Yes	Yes		Yes	Yes		Partly, or needs a higher licence, add-on or sales contract. Basic	Yes
Advanced permissioning	Partly, or needs a higher licence, add-on or sales contract. Needs Business Premium	Yes		No	Yes		No	Yes
Limit models by group	Partly, or needs a higher licence, add-on or sales contract. Anthropic only	Partly, or needs a higher licence, add-on or sales contract. Anthropic only		No	Yes		No	Yes
Connector controls	Yes	Yes		Partly, or needs a higher licence, add-on or sales contract. All or nothing	Yes		Partly, or needs a higher licence, add-on or sales contract. All or nothing	Yes
Spend limits	Yes	Yes		Yes	Yes		Yes	Yes
Control of new feature rollout	Yes	Yes		Not stated by the vendor	Partly, or needs a higher licence, add-on or sales contract		Not stated by the vendor	Partly, or needs a higher licence, add-on or sales contract
Compliance and legal
SOC 2 Type II	Not stated by the vendor	Not stated by the vendor		Yes	Yes		Yes	Yes
ISO 27001	Not stated by the vendor	Not stated by the vendor		Yes	Yes		No	Yes
ISO 42001	Yes	Yes		Yes	Yes		Partly, or needs a higher licence, add-on or sales contract	Partly, or needs a higher licence, add-on or sales contract
IRAP assessed	Yes	Yes		Not stated by the vendor	Not stated by the vendor		Not stated by the vendor	Not stated by the vendor
HIPAA agreement	Yes	Yes		No	Yes		No	Partly, or needs a higher licence, add-on or sales contract. Healthcare plan
Data processing agreement	Yes	Yes		Yes	Yes		Yes	Yes
Australian Privacy Act terms	Not stated by the vendor	Not stated by the vendor		Not stated by the vendor	Not stated by the vendor		Not stated by the vendor	Not stated by the vendor
Copyright indemnity on outputs	Yes	Yes		Yes	Yes		Partly, or needs a higher licence, add-on or sales contract. Service only	Yes
Uptime SLA	Not stated by the vendor	Not stated by the vendor		Not stated by the vendor	Not stated by the vendor		Not stated by the vendor	Partly, or needs a higher licence, add-on or sales contract. No figure published
Governing law	Not stated by the vendor	Not stated by the vendor		California	California		California	California
Capability
Models	OpenAI and Claude	OpenAI and Claude		Claude	Claude		OpenAI	OpenAI
Context window	Not stated by the vendor	Not stated by the vendor		Up to 1M tokens	Up to 1M tokens		Up to 256K tokens	Up to 256K tokens
File size limit	Not stated by the vendor	Not stated by the vendor		500 MB	500 MB		512 MB	512 MB
Word, Excel and PowerPoint	Yes. Built in	Yes. Built in		Yes. Add-ins	Yes. Add-ins		Yes. Add-ins	Yes. Add-ins
Outlook and Teams	Yes. Built in	Yes. Built in		Partly, or needs a higher licence, add-on or sales contract	Partly, or needs a higher licence, add-on or sales contract		Partly, or needs a higher licence, add-on or sales contract	Partly, or needs a higher licence, add-on or sales contract
Connectors to other systems	Yes	Yes		Yes	Yes		Yes	Yes
Custom connectors (MCP)	Yes	Yes		Yes	Yes		Partly, or needs a higher licence, add-on or sales contract. Beta	Partly, or needs a higher licence, add-on or sales contract. Beta
Search across company data	Yes	Yes		Yes	Yes		Yes	Yes
Shared projects	Yes	Yes		Yes	Yes		Yes	Yes
Custom assistants	Yes. Agents	Yes. Agents		Yes. Skills	Yes. Skills		Yes. GPTs	Yes. GPTs
Deep research	Yes	Yes		Yes	Yes		Yes	Yes
Agent for multi-step work	Partly, or needs a higher licence, add-on or sales contract. Metered	Partly, or needs a higher licence, add-on or sales contract. Metered		Yes	Yes		Yes	Yes
Coding agent	Not stated by the vendor	Not stated by the vendor		Yes. Claude Code	Yes. Claude Code		Yes. Codex	Yes. Codex
Browser use	Not stated by the vendor	Not stated by the vendor		Yes	Yes		Not stated by the vendor	Not stated by the vendor
Scheduled tasks	Yes	Yes		Yes	Yes		Yes	Yes
Data analysis	Yes	Yes		Yes	Yes		Yes	Yes
Image generation	Yes	Yes		Not stated by the vendor	Not stated by the vendor		Yes	Yes
Voice	Yes	Yes		Yes. Beta	Yes. Beta		Yes	Yes
Meeting transcription	Yes. In Teams	Yes. In Teams		Not stated by the vendor	Not stated by the vendor		Yes	Yes
API access included	Partly, or needs a higher licence, add-on or sales contract	Yes		Partly, or needs a higher licence, add-on or sales contract. Credits only	No		No	No
Desktop and mobile apps	Yes	Yes		Yes	Yes		Yes	Yes
Support
Support channel	Microsoft or partner	Microsoft or partner		Written, owners only	Written, owners only		Help centre chat	24/7
Published response times	Not stated by the vendor	Not stated by the vendor		Not stated by the vendor	Not stated by the vendor		Not stated by the vendor	Not stated by the vendor
Named account manager	Not stated by the vendor	Not stated by the vendor		No	Partly, or needs a higher licence, add-on or sales contract. Via sales		No	Yes
Onboarding and training	Partly, or needs a higher licence, add-on or sales contract. Self-serve	Partly, or needs a higher licence, add-on or sales contract. Self-serve		Not stated by the vendor	Partly, or needs a higher licence, add-on or sales contract. Via sales		No	Yes

References

Microsoft

Anthropic

OpenAI