# Microsoft 365 Copilot Chat

> The Copilot chat included at no extra cost with an eligible Microsoft 365 work account, giving web-grounded answers with citations under enterprise data protection.

**Category:** Copilot

**Copilot Chat is the Copilot most people already have without realising it.** It comes with an eligible Microsoft 365 work account, so there is nothing to buy or switch on yourself. You find it in Teams or at copilot.cloud.microsoft, and it answers from current web results with citations. **Enterprise data protection** means your prompts and company data are not used to train the models.

What it does not do is read your mailbox, calendar and files the way the paid [Microsoft 365 Copilot](/glossary#microsoft-365-copilot) add-on does. Use it as you would Claude's own [chat](/glossary#chat): everyday questions, drafting and quick research. If Copilot shows up in Teams or the browser but not as a pane inside Word or Outlook, this is the tier you are on.

## At work

An account manager asks Copilot Chat in Teams to summarise a competitor's latest public announcement before a call, then opens the cited sources to check the details.

## Often confused with

The free consumer Copilot at copilot.microsoft.com or in Windows. That is a different product: it does not see your work files and is not covered by your organisation's data protections, so keep work content out of it.

## Related terms

- Microsoft 365 Copilot
- Web grounding
- Work IQ
- Microsoft Copilot

## See it in a lesson

[Which Copilot do you have?](/en/learn/copilot/getting-started/which-copilot-do-you-have)

## Further reading

- [Microsoft 365 Copilot Chat overview (Microsoft)](https://www.microsoft.com/en-us/microsoft-365-copilot/chat): What Copilot Chat does and who gets it at no extra cost.
- [Overview of Microsoft Copilot Chat (Microsoft Learn)](https://learn.microsoft.com/en-us/copilot/overview): How Copilot Chat works for work and school accounts.
- [Copilot app updates for personal, work, and school accounts (Microsoft Support)](https://support.microsoft.com/en-gb/microsoft-365-copilot/learning/changes-microsoft-copilot-app): How the Copilot app differs for personal and work accounts.

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Last updated: 14/10/2026  
Source: Rollo Academy glossary