Which AI chat subscription fits Luxembourg in 2026?

Is there one AI chat plan that fits every Luxembourg user?

No single AI chat subscription is the objective fit for every Luxembourg user in 2026. ChatGPT, Claude, Gemini and Mistral Vibe, still widely known as Le Chat, differ less in their published entry prices than in training defaults, tax notes and where the data is processed.

All four have a free tier. The published paid personal entry points on 11.11.2026 were Google AI Plus at 4,99 EUR per month on the official Luxembourg page, ChatGPT Go at 8,00 EUR on OpenAI's pricing page as checked on 12.11.2026, without a statement on whether VAT is included, Mistral Vibe Pro at 14,99 EUR per month excluding taxes, and Claude Pro at 18 EUR per month, or 15 EUR per month when billed yearly, excluding applicable tax on the pricing page as checked from Luxembourg on 12.11.2026. This is not a quality ranking. The order below is only a reading order.

Which AI chat plans are compared here?

Each of these four services has a free tier, a paid personal plan and at least one team or business offer, and a Luxembourg reader is likely to meet them in personal or small-business use. The brand names have moved: OpenAI renamed ChatGPT Team to ChatGPT Business on 29.08.2025, Google folded Google One AI Premium into Google AI Plus, and Mistral moved Le Chat to Vibe on 28.05.2026, keeping the account, plan and history. Official, comparable quality benchmarks from the four vendors were not available to cite without third-party tests, so this piece does not rank model quality.

Mistral is the only vendor here established in the EU. See Mistral AI and the European software stack. Anthropic workplace surfaces are reported in Anthropic puts spreadsheets, whiteboards and meetings inside Claude. Coding plans overlap with our AI coding tools overview.

What do ChatGPT, Claude, Gemini and Mistral cost in 2026?

The table repeats the official entry prices as they stood on 11.11.2026. The binding figure is the checkout price on the account.

What does a ChatGPT plan cost?

OpenAI's paid personal plans are Go, Plus and Pro. The Help Center lists Plus at 20 USD per month, with no annual billing for Go, Plus or Pro. The introducing-Go note of 16.01.2026 listed Go at 8 USD per month in the USA, with localised prices in some markets. The official pricing page, checked on 12.11.2026, lists 8,00 EUR for Go and 23,00 EUR for Plus per month; OpenAI does not say whether these euro prices include VAT. Pro is split into three monthly tiers at 100 USD, 200 USD and 500 USD; in euros the page shows only "from 103,00 EUR" per month, and the 229,00 EUR and 510,00 EUR figures there are the monthly API credits of Pro 200 and Pro 500, not prices.

ChatGPT Business is the self-serve team plan, with a minimum of two paid seats and, for new subscriptions from 24.08.2026, a cap of 200 paid seats, after which OpenAI points to Enterprise. The Help Center lists Standard seats at 25 USD per user per month, or 20 USD when billed annually, and Premium seats at 125 USD or 100 USD. The pricing page, checked on 12.11.2026, lists 26,00 EUR and 21,00 EUR for Standard, and 130,00 EUR and 105,00 EUR for Premium, monthly and annual per month respectively, without saying whether VAT is included. Enterprise has no public list price. Luxembourg is on the supported-country list.

What does a Claude plan cost?

Anthropic lists Free, Pro, Max and Ultra for individuals, plus Team and Enterprise. Checked from Luxembourg on 12.11.2026, the pricing page shows euro prices excluding applicable tax. Pro is 18 EUR per month, or 15 EUR per month billed yearly at 180 EUR upfront. Max is 90 EUR per month and Ultra is 180 EUR per month. With 17 % Luxembourg VAT added, Pro comes to 21,06 EUR per month, or 17,55 EUR per month billed yearly; that is our calculation, the checkout is binding. Max is described as five times Pro usage, plus 100 USD of monthly API credit. Ultra is described as ten times weekly Pro usage, plus 200 USD of API credit. Claude Code is included on all paid plans and shares the same usage pool. Team is for 2 to 150 members. On the same page, Standard seats are listed at 18 EUR per member per month billed annually or 21,04 EUR billed monthly, and Premium seats at 90 EUR or 105,23 EUR, excluding tax. The Help Center still quotes 25 USD or 20 USD and 125 USD or 100 USD for US customers. Enterprise is listed at 20 USD per seat per month plus API-rate usage, billed annually. Luxembourg is listed as a supported country.

What do the Google AI plans cost in Luxembourg?

The official Luxembourg page listed Google AI Plus at 4,99 EUR, Pro at 20,99 EUR, and Ultra at 99,99 EUR (five times Pro limits) or 209,99 EUR (twenty times) per month. The US Google One page listed Plus at 4,99 USD, Pro at 19,99 USD, and Ultra at 99,99 USD or 199,99 USD. The Irish Google One table showed different euro amounts, including 21,99 EUR for Pro, so the prices are country specific. Whether the Luxembourg euro figures already include VAT is not stated on the retrieved page. Users of the Google AI plans in the EEA, Switzerland and the United Kingdom must be at least 18 according to the Help Center. Personal Google AI plans are for personal Google accounts. For teams, the Luxembourg page mentions Gemini Enterprise Business edition from 21 USD per user licence per month. Workspace customers are pointed to a Gemini add-on.

What does Mistral Vibe cost?

Mistral AI is a French company, registered in Paris. Pro is 14,99 EUR or 14,99 USD per month excluding taxes. A verified student plan is listed at 5,99 EUR or 5,99 USD per month excluding taxes. Team is 24,99 EUR or 24,99 USD per user per month excluding taxes. A published annual discount for Team was not on the retrieved pricing page. Enterprise has no general list price. A country list that names Luxembourg was not found in the retrieved help and legal pages. What is documented is that an EU company offers the service and, by default, hosts data in the EU.

Who uses chats for training, and can you opt out?

On ChatGPT consumer plans (the help texts name Free, Plus and Pro; Go is described as allowing use of conversations to improve performance and safety, with an opt-out), OpenAI may use content for training unless you object in the data controls or in the Privacy Portal. Temporary chats are not used for training. Feedback, for example via the thumb buttons, can still send the related conversation into training. OpenAI says it tests ads on Free and Go in selected regions, not on Plus, Pro, Business or Enterprise. For Business, Enterprise, Edu and the API, business data is not used for training by default unless the organisation opts in.

On Claude, commercial products such as Claude for Work and the API do not use inputs and outputs for training by default. On consumer products (Free, Pro, Max, and Ultra is also marked with opt-out on the pricing page), chats and coding sessions can be used to improve models when "Help Improve our AI models" is on. Users can change it under Settings, Privacy. Incognito chats are not used for improvement.

On Gemini Apps in a personal Google account, chats can be used to improve the services, including training generative models, when "Keep Activity" is on. Auto-delete defaults to 18 months. If the setting is off, future chats are not used for training unless you send feedback; they stay linked to the account for 72 hours. Temporary chats are not used for training. For Gemini in Google Workspace and for Gemini Enterprise, Google documents that customer data is not used to train Google models.

On Vibe, training is on by default for individual users until they opt out in the settings. Team administrators can turn training off for the organisation. Enterprise customers are excluded by default according to the Help Center. Feedback via the thumb buttons can still be used to improve the models, regardless of the plan.

Where is the data processed, and is there a DPA?

For people in the EEA, the United Kingdom and Switzerland, the documented controllers are OpenAI Ireland Limited, Anthropic Ireland, Limited, Google Ireland Limited for Gemini Apps, and Mistral AI in France. That makes it easier to reach a European authority. It is not a promise that data stays in the EU.

OpenAI describes processing on servers in the United States and other countries for ordinary consumer use. Data residency in Europe, and even inference residency in the same region, is described for eligible new ChatGPT Enterprise and Edu workspaces, not for Free, Go, Plus, Pro or Business. A DPA is offered for Business, Enterprise and the API.

Anthropic's consumer privacy policy states that personal data is transferred to servers in the United States or other countries outside the EEA and the United Kingdom. For commercial products, storage is described as being in the USA unless otherwise agreed. The DPA with standard contractual clauses is, according to the Privacy Center, incorporated into the Commercial Terms for business customers.

Google did not, in the retrieved consumer texts, promise that private Gemini chats are processed only in the EU. For eligible Workspace editions, administrators can use Data Regions so that covered data, including Gemini App prompts and responses, is stored in Europe and, on higher editions, also processed there.

Mistral is clearer on location: "By default, your data is hosted in the European Union." Using the US API endpoint stores data in the United States. Some features may transfer data temporarily to sub-processors outside the EU; Mistral points to standard contractual clauses and its Trust Center. A DPA is published for processing on behalf of business customers.

What should a Luxembourg reader check before paying?

For occasional personal use, the free tiers may be enough if tight limits and, depending on the service, training or ads are acceptable and the settings are set deliberately.

For a paid personal plan, Google AI Plus is the lowest published euro figure, but it is a lighter tier bundled with storage, and the VAT treatment is not stated. ChatGPT Go is the cheapest paid ChatGPT plan, with the note that OpenAI tests ads on Free and Go. Mistral Vibe Pro and Claude Pro (checked 12.11.2026) carry the official EUR net list prices in this comparison. Mistral Vibe Pro is the obvious candidate when EU hosting and an EU-established vendor matter, provided the training opt-out is switched on if you are not in a Team or Enterprise setup. ChatGPT Plus, Claude Pro and Google AI Pro sit in a similar list-price band for heavier personal work. Heavy daily use is sold as ChatGPT Pro, Claude Max or Ultra, or Google AI Ultra.

For a firm, a law office, an administration or anyone putting other people's personal data into a chat, a private Plus plan is usually not enough. The documented path is a business plan with training off by default and a DPA: ChatGPT Business or Enterprise, Claude Team or Enterprise, Google Workspace or Gemini Enterprise, or Mistral Team or Enterprise. If you also need EU residency and processing, read the fine print: OpenAI offers that on eligible Enterprise and Edu workspaces, Google offers Data Regions on eligible Workspace editions, Anthropic describes US storage unless otherwise agreed, and Mistral puts EU hosting first.

None of this replaces legal advice. Before you pay, check the pricing page, the checkout and your own privacy settings, not only this overview of 11.11.2026.

Which points stay open?

The following points were not clearly evidenced on the official pages retrieved on 11.11.2026:

• Whether VAT is already included in the euro catalogue prices for ChatGPT and in the Luxembourg euro prices for the Google AI plans.
• Whether Claude's euro prices, shown excluding tax, are charged with 17 % Luxembourg VAT at checkout or under reverse charge for business accounts.
• A published annual discount for Mistral Team, and a country list that names Luxembourg for Vibe.
• An exclusive EU-processing promise for private Gemini chats, which was not found in the retrieved consumer texts.