What’s the difference between Copilot Chat (free) and the paid Copilot licence?

Copilot Chat (basic) is included with eligible M365 plans and provides a web-based AI assistant. The paid Copilot licence unlocks deep integration into Word, Excel, PowerPoint, Outlook, and Teams, so Copilot works inside those apps rather than as a separate tool. The paid version also gives access to your M365 work data for contextual, business-specific responses.