amaiko vs Bing Copilot (Microsoft Copilot): Company AI vs a Personal Assistant (2026)

Which Copilot this page is about

amaiko is one product, and it runs in Microsoft Teams. Microsoft uses one name for several.

The product people still search for as “Bing Copilot” is Microsoft Copilot. Microsoft’s admin documentation lists it as the Copilot “for personal use”, reached with a personal Microsoft account through the Copilot app, copilot.microsoft.com and bing.com/chat. Since January 2025 the work product has its own name: Microsoft 365 Copilot Chat, for people who sign in with a Microsoft Entra work account. The same page says the Microsoft Copilot app “doesn’t work for commercial users authenticating with a Microsoft Entra account”.

This page compares amaiko with Microsoft Copilot and with the free Copilot Chat a work account gets instead. The paid add-on, Microsoft 365 Copilot, has its own page: amaiko vs Microsoft 365 Copilot.

Built for your company, where Microsoft Copilot’s terms stop

amaiko is a product for companies. Your people sign in with their Microsoft Entra ID work account, every customer runs in its own isolated environment with its own databases, and amaiko works with each user’s own Microsoft 365 permissions. It is GDPR-compliant and hosted in Germany, with the details on the security page.

Microsoft Copilot is governed by the Copilot Terms of Use, effective 18 August 2026. They define “you” as the person using Copilot and say: “You can only use Copilot for your own personal use.” Microsoft may use your content “to operate Copilot and improve it”. Copilot “may include both automated and manual (human) processing of data”, and “You shouldn’t share any information with Copilot that you don’t want us to review.” Without a paid Microsoft 365 subscription, Copilot may include advertising. The terms do not apply to users who sign in with a work account.

For your company that means a contract or customer list an employee pastes into the free Copilot sits under an agreement between Microsoft and that employee, one your company never signed.

The work-account route: Copilot Chat, grounded in the web

amaiko reads and drafts across email, calendar, files, Word, Excel and PowerPoint documents, Teams chats, OneNote, To Do and SharePoint, with each user’s own permissions. Marketplace specialists add HubSpot, Dynamics 365 Business Central, Personio, Jira, Confluence, DATEV and more. You ask in the Teams chat your team already uses.

A work account gets Microsoft 365 Copilot Chat. It is available at no extra cost for Entra users on licences such as Microsoft 365 Business Basic, Standard and Premium or E3 and E5, with enterprise data protection, so a company already paying for Microsoft 365 can start without a new invoice. Microsoft’s privacy page describes what that chat knows: it “is grounded in data from the web only”. Your organization’s files, emails and chats get in when a user pastes or uploads them, opens Copilot Chat in Outlook, or uses a pay-as-you-go agent. The same page says web search queries sent to Bing “are not EUDB-compliant”, and that Bing handles them under the Microsoft Services Agreement, with Microsoft as an independent data controller.

For your team that means the free Microsoft option answers general questions, and every question about your own business starts with someone finding the document and bringing it into the chat.

Company knowledge that stays when people leave

amaiko consolidates what your team tells it into lasting company knowledge every night: projects, customers, decisions and who knows what. Knowledge can be personal, team-wide or company-wide, and team knowledge is checked against live Teams membership on every access. When someone leaves, what they knew stays. amaiko teams spend 35% less time searching, and new hires get up to speed 57% faster.

Microsoft Copilot can respond to “things you have asked Copilot to remember”, according to its terms. That memory belongs to a personal Microsoft account. Microsoft’s support page says personal and work accounts are “distinct by design” and data “does not flow” between them.

For your company that means what an employee taught their personal Copilot lives in an account your company does not administer, and it leaves with them.

Work that is done before anyone asks

amaiko’s Active Inbox reads incoming email and flags what needs attention, and flagged emails become to-dos. Morning briefings are ready when your team starts its day. Both are part of the plan.

In Microsoft Copilot for personal accounts, recurring work runs in Cowork, which can run prompts on a schedule. Microsoft’s support page calls Cowork “a Premium or Pro feature in Preview”: Personal and Family subscribers lose access, and scheduled tasks moved from the old Copilot Tasks arrive turned off.

Price: what a company pays for

amaiko costs €41.58 per user per month billed annually (€499 per user per year), or €49.90 billed monthly, from five seats, with unlimited tokens.

Microsoft Copilot is free “subject to available capacity and limits”, per Microsoft’s support page. Higher limits come with a Microsoft 365 subscription. Microsoft’s German store page lists Personal at €99 a year or €10 a month, Family at €129 or €13, and Premium at €219 or €22. Its AI features are available only to the person who owns the subscription and cannot be shared. Microsoft stopped selling Copilot Pro when it introduced Premium. A Premium subscription costs less per person than an amaiko seat. Ten of them are ten personal subscriptions, each owned by one person.

Two companies, amaiko billed annually and net, Microsoft 365 Premium billed annually at the store price:

Microsoft’s product for work data is a separate purchase. Its pricing page lists Microsoft 365 Copilot at $30 per user per month paid yearly, on top of a qualifying Microsoft 365 subscription. amaiko’s price is on the pricing page.

Questions to ask Microsoft before your team uses Copilot for work

Get the answers in writing. Ours is under each one.

1. Which account will our people sign in with, and whose terms then cover what they type? amaiko: Every user signs in with their Microsoft Entra ID work account, and every customer runs in its own isolated environment.
2. Who at Microsoft can review what our people type into Copilot, and what is it used for? amaiko: Data is hosted in Germany on amaiko’s own infrastructure, with AI processing only inside the EU.
3. On work accounts, which of our files, emails and chats does Copilot Chat read without someone pasting them in? amaiko: Email, calendar, files, Teams chats, OneNote, To Do and SharePoint, with each user’s own permissions.
4. Is flex routing on in our tenant, and where are our web search queries processed? amaiko: AI processing stays inside the EU. There is no US hosting.
5. What happens to what an employee taught Copilot when they leave? amaiko: It stays in the company knowledge amaiko consolidates every night.
6. What does the Copilot that can read our work data cost per seat at our headcount? amaiko: Users × €499 a year, with unlimited tokens.

See it for yourself

Book a demo and ask amaiko the questions your team asks every day, in your own Teams. See how the agent network works, or compare the field in our Bing Copilot alternatives.