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Copilot for financial advice

Microsoft's AI layer that combines GPT and Claude models with your own organisational data and the Microsoft 365 apps.

Recommended for financial advice

Copilot is strong in deep Microsoft 365 integration and grounding on your own data via Microsoft Graph; that suits processing client files and inventories.

GDPR profileOur summary of what the provider itself publishes about your data: EU hosting possible, no training on your data for business use, and self-hosting available. Caution applies to a model with a documented problem, such as an investigation by a regulator. How we measure
GDPR: Caution
QualityQuality from blind duels on LMArena: users choose between two anonymous answers. A difference of about 20 points is noticeable, a few points is noise. How we measure
1485Elo, independent
Editorial scoreOur own assessment on 10 of suitability for professional work, price and privacy. This is a judgement, not a measurement; that is why it always sits alongside the Elo. How we measure
8,3
Entry price
from €10 / month
Full GDPR check

What Copilot does in financial advice

Core tasks in financial advice
  • Processing client files and inventories
  • Drafting advisory reports and rationales
  • Comparing and summarising product terms
  • Handling client questions and aftercare
Where Copilot is strong
  • Deep Microsoft 365 integration
  • Grounding on your own data via Microsoft Graph
  • Strong enterprise governance and compliance
  • Choice between GPT and Claude models

Copilot has a specific GDPR concern. The Claude models within Copilot officially fall outside the EU Data Boundary. If you want strictly EU-only processing, exclude the Claude models in the admin panel. Weigh this carefully before using it in financial advice.

Confidentiality and GDPR

GDPR: Caution

The Wft duty of care and the GDPR set high demands: financial and health data belong only in GDPR-compliant systems with a data processing agreement, and the advice remains the adviser's responsibility.

Microsoft 365 Copilot (business) falls under the EU Data Boundary and does not train on tenant data. Consumer Copilot does train by default, with an opt-out.

Rule of thumb Use the business variant with a data processing agreement, and keep a human in the loop for decisions that matter.
Caution the Claude models within Copilot officially fall outside the EU Data Boundary. If you want strictly EU-only processing, exclude the Claude models in the admin panel.

Prices

Microsoft 365 Personal/Familyfrom €10 / monthPersonal €10/month, Family €13/month, Premium €22/month (higher Copilot limits); Copilot Pro has been discontinued
M365 Copilot Business$21 / seat / monthAnnual ($25.20 monthly); limited-time offer from $18; requires an M365 licence
M365 Copilot (Enterprise)$30 / seat / monthAdd-on to an M365 licence; $31.50 when billed monthly

Other models for financial advice

Claude for financial adviceAnthropic · editorial 9.01506Le Chat (Mistral) for financial adviceMistral AI · editorial 8.41426Perplexity for financial advicePerplexity AI · editorial 8.0–Gemini for financial adviceGoogle · editorial 8.61527
All options for financial advice
Professional tools on Copilot

We are not aware of a professional tool for financial advice that publicly runs on Copilot.

Questions about Copilot for financial advice

Is Copilot suitable for financial advice?
Yes. Copilot is strong in deep Microsoft 365 integration and grounding on your own data via Microsoft Graph, which fits financial advice well. Always assess the specific task and keep a professional in the loop.
Can I put confidential data into Copilot?
The Wft duty of care and the GDPR set high requirements: financial and health data belong only in GDPR-compliant systems with a data processing agreement, and the advice remains the adviser's responsibility. Microsoft 365 Copilot (business) falls under the EU Data Boundary and does not train on tenant data. Consumer Copilot does train by default, with an opt-out.
How much does Copilot cost?
There is Microsoft 365 Personal/Family (from €10 / month), M365 Copilot Business ($21 / seat / month), M365 Copilot (Enterprise) ($30 / seat / month). Check current prices on the official site.
Next stepAll 25 options for financial adviceProfessional tools and general assistants side by side, by GDPR profile, price and quality.

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