Moon AI
Stellarr Studio SAS, France
from€9.90per person per month, VAT included
Free plan with no credit card. Lune at €9.90, Étoile, recommended, at €19.90, always with no commitment.
Microsoft 365 Copilot
Microsoft Corporation, United States
€26 a month excl. VAT, billed yearly
€26.00 per user per month excl. VAT, paid yearly, on top of an eligible Microsoft 365 license. Checked on November 11, 2026 on the official pricing page.
The same twelve criteria, by theme.
Prices checked on November 11, 2026; other criteria checked on August 2, 2026 on both companies’ public pages. If anything differs, the official page prevails.
| Criterion | Moon AI | Microsoft 365 Copilot |
|---|---|---|
| Price | ||
| Entry priceThe price of the first paid tier, as shown to a visitor in France. | Free with no credit card, then €9.90 per person per month, VAT included (Lune) | €26.00 per user per month excl. VAT, paid yearly, on top of an eligible Microsoft 365 license |
| Free planWhether there is a tier you can use without paying. | Yes, no credit card | Yes, consumer Copilot and Copilot Chat |
| Models | ||
| AI models availableNumber and range of models included in the subscription. | More than 100 models from several providers | OpenAI and Anthropic, no count given |
| Privacy policy | ||
| Company based inThe company that runs the service and the country of its headquarters. | France (Stellarr Studio SAS) | United States |
| Data hostingWhere processing takes place, as publicly documented. | App and storage in France (OVHcloud); requests processed by the model provider | EU Data Boundary (except Anthropic) |
| Reversible masking before sendingReplacement of the sensitive data detected before it is sent to the models. | Moon Blur, more than 150 categories | Purview DLP, sensitivity labels |
| Creation and automation | ||
| Office documentsGeneration of Word, Excel, PowerPoint and PDF files. | Word, PDF, Excel, PowerPoint | Yes |
| AutomationsAutomated tasks without writing code. | Agents and routines, no visual builder | Yes |
| Business connectorsNative integrations with work tools. | Dozens of connectors | More than 100 Copilot connectors |
| Devices and language | ||
| Mobile appsNative apps published on the app stores. | Native iOS and Android | Yes |
| Coding agent in the terminalCommand-line tool for developers. | Moon CLI | Work IQ CLI (preview) |
| FrenchInterface and support in French. | Interface and support | Yes |
| Start for freeStart | Official pricing page | |
What Microsoft 365 Copilot does well
- Native integration in Word, Excel, PowerPoint, Outlook and Teams: the assistant works right inside the office apps you already have, with no switching tools.
- Answers grounded in the organization’s data through Microsoft Graph (documents, emails, calendar, meetings), respecting each user’s existing permissions.
- Built-in governance tools: Microsoft Purview for retention, DLP and sensitivity labels, plus admin control over which agents are allowed and which model providers can be turned on.
- Copilot Copyright Commitment: Microsoft commits to defend its commercial customers and pay adverse judgments if they are sued for copyright infringement over the service’s outputs, provided they use the built-in guardrails.
- Copilot Chat included at no extra cost for eligible Microsoft 365 subscribers, and free consumer Copilot on the web, Windows, iOS and Android, with voice mode, vision and image generation.
What Moon AI does differently
- Moon AI gives you more than 100 models from different providers (GPT, Claude, Gemini and Gemma, DeepSeek, Mistral, Llama, Grok, Qwen, Command R+, Kimi, MiniMax, plus Moon 6, the in-house model), which users pick themselves in each conversation, all with one subscription. At Microsoft, end users can pick a model in some experiences (the Researcher agent, Copilot Cowork, editing with Copilot in Excel), and turning providers on remains up to the admin.
- Moon AI publishes its prices in euros, VAT included, per seat per month, from €9.90 to €249.90, with no minimum term and no third-party subscription required, and 20% off each extra seat in the same workspace. The Microsoft 365 Copilot add-on is listed at €26.00 per user per month excl. VAT, paid yearly, so €31.20 with France’s 20% VAT, with an annual commitment and an eligible Microsoft 365 license required on top.
- Moon AI’s app and storage are hosted by OVHcloud in Strasbourg and Roubaix, and the publisher is Stellarr Studio SAS, based in Pont-Audemer (Eure), France. Requests sent to third-party models go through Moon Blur first, which masks the sensitive data it detects. Microsoft is a US company that processes its EU customers’ data within the EU Data Boundary, from which models provided by Anthropic are excluded, according to its documentation reviewed on August 2, 2026.
- Moon AI applies Moon Blur, two-way reversible masking of the sensitive data it detects (more than 150 categories) before sending to a third-party model, then puts the real values back in the response. Microsoft documents a different approach, based on contractual commitments, the EU Data Boundary, content filters and data protection through Microsoft Purview (DLP, sensitivity labels).
- Moon AI brings together in one subscription Word, PDF, Excel and PowerPoint document generation, agents and routines (scheduled or triggered by webhook), dozens of connectors, native iOS and Android apps, Moon CLI in the terminal, and an interface and support in French. At Microsoft, these capabilities come through the Microsoft 365 apps and parts of the suite (agents, Copilot Studio, Power Platform), some of which have their own licensing terms.
Limits to know about
Facts you can check on the company’s public pages, not value judgments.
- The add-on costs €26.00 per user per month excl. VAT, paid yearly, with an annual commitment, and Microsoft states that a separate license for an eligible Microsoft 365 plan is also required (business pricing page, August 2, 2026).
- The standalone Copilot Pro subscription is no longer sold and its support ended on August 1, 2026: Microsoft now points individuals to Microsoft 365 Premium.
- As of August 2, 2026, the public documentation we reviewed does not publish a count of available models. End users can pick a model only in some experiences (the Researcher agent, Copilot Cowork, editing with Copilot in Excel), in the desktop and web apps, after the admin turns it on.
- According to the Microsoft documentation reviewed on August 2, 2026, models provided by Anthropic as a subprocessor are excluded from the European Union Data Boundary.
- As of August 2, 2026, the public documentation we reviewed does not describe removing personal data before it is sent to the model: Microsoft documents an approach based on contractual commitments, the EU Data Boundary, content filters and Purview protection (DLP, sensitivity labels).
So which one should you choose?
Choose Microsoft 365 Copilot
Choose Microsoft 365 Copilot if your organization already works in Microsoft 365. No outside tool matches that level of integration: the assistant is in Word, Excel, PowerPoint, Outlook and Teams, draws on your documents, emails and meetings through Microsoft Graph while respecting existing permissions, and is governed with Purview, which your teams already manage.
Choose Moon AI
Choose Moon AI if you want to pick your own model from more than 100, a per-seat price with VAT included, no commitment and no third-party license required, and reversible Moon Blur masking of the sensitive data detected before it reaches a model. The app and storage are at OVHcloud in Strasbourg and Roubaix, the publisher is a French company (SAS), and the interface and support are in French.
Frequently asked questions
Does Microsoft 365 Copilot really cost €26 a month?
Microsoft’s business pricing page, reviewed on August 2, 2026, shows €26.00 per user per month excl. VAT, paid yearly, noting that VAT is not included, so €31.20 with France’s 20% VAT. This add-on comes on top of an eligible Microsoft 365 license. For small businesses, Microsoft 365 Copilot Business is listed at €15.60 per user per month excl. VAT, paid yearly (a discount valid from July 1 to September 30, 2026, with a reference price of €18.20 excl. VAT), or €21.84 excl. VAT paid monthly. Moon AI’s prices are published in euros, VAT included, on the pricing page, from €9.90 to €249.90 per seat per month, with no commitment.
Can I choose my model with Microsoft 365 Copilot?
Partly. As of August 2, 2026, Microsoft’s documentation describes a model choice shown to users in some experiences: the Researcher agent (OpenAI or Claude models), Copilot Cowork and editing with Copilot in Excel, in the desktop and web apps, after the admin turns on Anthropic models in the Microsoft 365 admin center. Microsoft does not publish a count of available models. Moon AI gives you more than 100 models to pick from in each conversation, listed on the features page.
Where is my data processed in each case?
For its European Union customers, Microsoft states that Microsoft 365 Copilot is covered by the EU Data Boundary, with model calls routed to the nearest data centers and possible overflow to other regions during periods of high demand. Its documentation reviewed on August 2, 2026 specifies that models provided by Anthropic are excluded from this boundary. Moon AI’s app and storage are hosted by OVHcloud in Strasbourg and Roubaix. Requests sent to third-party models go through Moon Blur first, which masks the sensitive data it detects and restores it on return.
Do you need Microsoft 365 already?
For the paid add-on, yes: Microsoft states that a separate license for an eligible Microsoft 365 plan is required on top of the €26.00 excl. VAT. Microsoft 365 Copilot Chat, however, is included at no extra cost for users who already have an eligible Microsoft 365 subscription, and a free consumer Copilot remains available on the web, Windows, iOS and Android. Moon AI requires no third-party subscription and offers a Free plan with no credit card, detailed on the pricing page.
Sources
Prices and features of the services listed change over time: if anything differs, the company’s official page prevails. Let us know about any inaccuracy at contact@stellarrstudio.com and we will fix it.
- https://www.microsoft.com/fr-fr/microsoft-365-copilot/pricing/enterprise
- https://www.microsoft.com/fr-fr/microsoft-365-copilot/pricing
- https://learn.microsoft.com/en-us/copilot/microsoft-365/microsoft-365-copilot-privacy
- https://learn.microsoft.com/en-us/microsoft-365/copilot/connect-to-ai-subprocessor
- https://support.microsoft.com/en-us/office/use-model-choice-in-the-researcher-agent
- https://learn.microsoft.com/en-us/microsoft-365/copilot/connectors/overview
- https://support.microsoft.com/en-us/microsoft-365-copilot/get-started-with-the-microsoft-365-copilot-mobile-app
- https://realmoon.ai/pricing