Microsoft 365

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Microsoft 365 is a subscription-based suite of productivity and collaboration software and cloud services offered by Microsoft, including apps like Word, Excel, PowerPoint, Outlook, and OneDrive.

Redmond, WA
microsoft.com
Owned by Microsoft

About Microsoft 365

Microsoft 365 is Microsoft’s subscription-based suite of productivity apps and cloud services, which includes Word, Excel, PowerPoint, Outlook, OneNote, OneDrive, and Teams. Plans are available for individuals, families, businesses, schools, and enterprises, and often include cloud storage, advanced security features, and collaboration tools. Popular consumer plans include Microsoft 365 Personal (for one user) and Microsoft 365 Family (for up to six people), while business plans range from Microsoft 365 Business Basic and Standard to Business Premium and various Enterprise (E) plans. Subscriptions are managed through a Microsoft account at account.microsoft.com or, for organizations, via the Microsoft 365 admin center.

A Microsoft 365 charge may appear on your bank or card statement if you’ve subscribed to one of these plans directly from Microsoft, through an app store (like Apple App Store or Google Play), or via a third-party reseller. Charges can be monthly or yearly, and may also appear after a free trial ends if you did not cancel before the renewal date. You may see separate charges for add-ons such as additional OneDrive storage, domain services, or Microsoft Copilot, as well as recurring renewals for business licenses. Some users also see small temporary authorization holds when adding or updating a payment method, or when Microsoft verifies your card prior to billing.

To verify or resolve questions about a Microsoft 365 charge, sign in to your Microsoft account at account.microsoft.com/billing to view your order history, invoices, active subscriptions, and renewal dates. Check for other family members’ or employees’ accounts that may be linked to your payment method, and compare the billing amount and date with any Microsoft 365 plans you use at home or work. If you still don’t recognize the charge or need help with refunds, cancellations, or payment issues, visit support.microsoft.com or use the “Contact Support” option from within a Microsoft 365 app or the admin center for business customers. Your bank statement descriptor may appear as “MSFT *MICROSOFT 365”, “MICROSOFT*SUBSCRIPTION”, or a regional Microsoft billing entity, so match that with the details in your Microsoft billing history before disputing the charge with your bank.

Bank Statement Variations

2 known variations

These are the raw merchant codes that appear on bank and credit card statements that we've identified as belonging to Microsoft 365.

  1. MICROSOFT*MICROSOFT 36 MSBILL.INFO AUS
  2. MICROSOFT*MICROSOFT 365 MSBILL.INFO AU

Frequently Asked Questions

What are the typical Microsoft 365 subscription prices that might show up on my statement?

For consumers in the U.S., common Microsoft 365 prices are around $69.99/year or $6.99/month for Microsoft 365 Personal and $99.99/year or $9.99/month for Microsoft 365 Family (up to six people). Business plans commonly seen on statements include Microsoft 365 Business Basic (around $6 per user/month), Business Standard (around $12.50 per user/month), and Business Premium (around $22 per user/month), usually billed monthly or annually. Prices and taxes can vary by country, currency, and any promotions in effect at the time of purchase.

Why was I charged by Microsoft 365 after a free trial?

When you start a Microsoft 365 free trial, you’re usually required to enter a payment method and agree to automatic renewal at the end of the trial. If you don’t cancel before the trial period ends, it converts into a paid subscription and the first billing cycle charge appears on your statement. You can verify this by signing in to account.microsoft.com/services to see when your trial started, when it converted, and which plan you’re on.

How do I cancel or turn off recurring billing for my Microsoft 365 subscription?

To cancel or stop recurring billing, sign in to your Microsoft account at account.microsoft.com/services, locate the Microsoft 365 subscription, and select “Manage” then “Cancel subscription” or “Turn off recurring billing.” For business or school accounts, an administrator must sign in to admin.microsoft.com, go to Billing > Your products, and adjust or cancel the subscription or user licenses there. After turning off recurring billing, you’ll keep access until the end of your current paid period, but you won’t be charged again unless you re-enable it.

Why do I see multiple Microsoft 365 charges in the same month?

Multiple charges in a single month can occur if you have more than one active subscription (for example, a Personal plan plus extra OneDrive storage, or both consumer and business plans). You might also see separate charges if you changed plans mid-cycle, added new users/licenses for a business tenant, or if different family members subscribed using the same card. Review each entry in your billing history at account.microsoft.com/billing, and for organizations check the Microsoft 365 admin center to see license and seat changes.

What are the small $0 or low-dollar Microsoft 365 charges on my card?

Small $0, $1, or similarly low-dollar amounts are usually temporary authorization holds used by Microsoft or app stores to verify that your payment card is valid. These are not final charges and should disappear from your online statement within a few business days. If the hold converts into a real transaction or remains for an extended period, contact your bank and also check your billing details at account.microsoft.com/billing.

How can I request a refund for a Microsoft 365 charge I didn’t mean to make?

Sign in to account.microsoft.com/billing and select “Order history,” then locate the Microsoft 365 transaction and choose “Request a refund” if the option is available. Refund eligibility depends on your region, how long ago the charge occurred, and whether the subscription has been significantly used since billing. If you don’t see the refund option, you can still contact Microsoft Support via support.microsoft.com or through the “Help” or “Support” menu in a Microsoft 365 app to explain your situation and ask for assistance.

What should I do if I don’t recognize a Microsoft 365 charge or think it’s on the wrong account?

First, check all Microsoft accounts you or your family members might use by signing into account.microsoft.com with each email address to see if any has an active Microsoft 365 subscription linked to your card. For workplace charges, ask your IT or finance team if your card was added to a company Microsoft 365 tenant for licenses or services. If you still can’t match the charge, contact Microsoft Support with the date, amount, and descriptor from your bank statement, and if needed, notify your bank or card issuer to dispute potential unauthorized use.

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