Microsoft 365 Copilot Pricing
Microsoft 365 Copilot is the flagship AI assistant embedded into Word, Excel, Teams, Outlook and PowerPoint. It is priced as an add-on to your existing Microsoft 365 subscription, which means the total cost depends on your base licence tier.
M365 Copilot Add-on Price
Billed annually. This is the add-on price — a qualifying base licence is required.
Qualifying Base Licences
Microsoft 365 Copilot requires one of the following base licences. The total monthly cost per user is the base licence plus the EUR 30 Copilot add-on. For full prerequisite details, see our licence requirements guide.
| Base Licence | Base Price (EUR/user/mo) | + Copilot Add-on | Total per User |
|---|---|---|---|
| Microsoft 365 Business Standard | EUR 11.70 | EUR 30.00 | EUR 41.70 |
| Microsoft 365 Business Premium | EUR 20.60 | EUR 30.00 | EUR 50.60 |
| Microsoft 365 E3 | EUR 34.40 | EUR 30.00 | EUR 64.40 |
| Microsoft 365 E5 | EUR 54.75 | EUR 30.00 | EUR 84.75 |
Prices shown are approximate EUR equivalents of Microsoft published pricing. Final pricing may vary based on volume agreements and currency fluctuations. Veracloud provides exact quotes for Malta organisations.
Which Base Licence Should Malta Businesses Choose?
For Malta SMEs with up to 300 users, Business Premium is our recommended choice. It includes advanced security features (Intune, Entra ID P1, Azure Information Protection) that are essential for a compliant Copilot deployment, at a significantly lower price point than E3. Our SME guide covers this in detail.
For enterprises with more than 300 users or those in highly regulated sectors such as iGaming and financial services, E3 or E5 provide the compliance and security tools required by the MGA, MFSA and NIS2. E5 adds Microsoft Defender for Office 365 Plan 2, advanced eDiscovery and Microsoft Purview Information Protection — features that justify the premium for regulated organisations. See our enterprise deployment guide for the full breakdown.
GitHub Copilot Pricing
GitHub Copilot is Microsoft's AI coding assistant for developers. It operates independently from Microsoft 365 Copilot and has its own licensing tiers designed for individual developers, development teams and large engineering organisations.
| Plan | Price (EUR/user/mo) | Key Features |
|---|---|---|
| GitHub Copilot Individual | €10 | Code completions, chat, CLI. For individual developers and freelancers. |
| GitHub Copilot Business | €19 | Everything in Individual plus organisation-wide policy management, IP indemnity, audit logs and SSO. |
| GitHub Copilot Enterprise | €39 | Everything in Business plus codebase-aware chat, pull request summaries, documentation search and fine-tuned models on your repositories. |
Prices shown in EUR. Veracloud handles procurement and invoicing in EUR for Malta organisations.
For Malta iGaming companies and technology firms with development teams, GitHub Copilot Business is the minimum recommended tier because it includes organisation-level controls, audit logging and IP indemnity. Enterprise tier adds significant value for organisations with large proprietary codebases where codebase-aware suggestions dramatically improve code quality and consistency.
Microsoft Copilot for Security Pricing
Microsoft Copilot for Security uses a consumption-based pricing model rather than a per-user licence. This makes it accessible to organisations of any size, including Malta SMEs that need enterprise-grade security intelligence without enterprise-sized budgets.
Provisioned capacity model. Minimum 1 SCU. Scale up or down based on demand.
Estimated Monthly Costs
- 1 SCU (basic usage)~ €2,920/month
- 3 SCUs (moderate SOC)~ €8,760/month
- 5 SCUs (enterprise SOC)~ €14,600/month
For Malta organisations, the consumption model means you can start with a single SCU to evaluate Copilot for Security's capabilities — such as incident investigation, threat hunting and security posture assessment — and scale up as your SOC team integrates it into daily workflows. Veracloud helps Malta businesses optimise SCU provisioning to avoid overspending while maintaining response capability.
Microsoft Copilot Studio Pricing
Copilot Studio allows organisations to build custom AI agents and extend Copilot with organisation-specific knowledge and workflows. It uses a message-based pricing model.
| Component | Price | Details |
|---|---|---|
| Copilot Studio | €200/tenant/month | Includes 25,000 messages per month. Additional messages billed at overage rates. |
| Included with M365 Copilot | Included | M365 Copilot licence holders get access to Copilot Studio for building extensions and custom agents. |
For Malta organisations already licensing Microsoft 365 Copilot, Copilot Studio access is included. This means you can build custom AI agents for customer service, internal helpdesks and industry-specific workflows without additional licensing costs. Standalone Copilot Studio licensing is available for organisations that want custom agents without deploying the full M365 Copilot suite.
Volume Discounts and Enterprise Agreements
Microsoft offers volume discounts for large deployments through Enterprise Agreements (EA) and Microsoft Customer Agreements (MCA). Malta organisations with 500 or more users can typically negotiate discounted per-user pricing for Copilot add-ons. The exact discount depends on total agreement value, commitment term and existing Microsoft relationship.
Veracloud acts as your licensing advisor throughout this process. We have direct relationships with Microsoft's Malta and Southern Europe licensing teams and can negotiate on your behalf to secure the best available pricing for your organisation's size and needs. For government entities and public sector organisations in Malta, additional academic and government pricing tiers may apply.
Total Cost of Ownership Analysis
When budgeting for Copilot, Malta organisations should consider the total cost of ownership beyond the licence price. TCO includes the licensing cost, deployment services, training, ongoing support and any infrastructure upgrades required.
Example TCO — 100-User Malta Enterprise (Annual)
Against estimated productivity savings of 24,000+ hours annually (at EUR 20/hour average = EUR 480,000+ in recovered capacity), the investment typically delivers 4-5x return. See our ROI calculator for personalised estimates.
Bundling Strategies for Malta Organisations
Many Malta enterprises benefit from bundling multiple Copilot products. A typical technology company might deploy Microsoft 365 Copilot for business users, GitHub Copilot for developers and Copilot for Security for the IT operations team. Veracloud designs bundled licensing strategies that optimise cost across all products and ensure consistent governance and training.
For iGaming operators in Malta, the typical bundle includes M365 Copilot for all staff, GitHub Copilot Enterprise for development teams and Copilot for Security for the security operations centre. Financial services firms typically deploy M365 Copilot with Copilot Studio for customer-facing agents. Healthcare organisations focus on M365 Copilot with enhanced data governance and Copilot for Security for patient data protection.
How to Get Started
Veracloud provides obligation-free pricing consultations for Malta organisations considering any Microsoft Copilot product. We assess your current Microsoft 365 licensing, identify the most cost-effective path to Copilot adoption and provide a detailed quote that includes deployment, training and support. Whether you are a 10-person SME or a 1,000-person enterprise, we have a licensing strategy that fits your budget and goals.