Microsoft 365 Copilot vs Gemini for Google Workspace

For a Luxembourg SME already working in Word, Excel, Outlook and Teams, Microsoft 365 Copilot is the more natural fit, but it costs at least 20.36 EUR per user and month with the base licence.

Gemini in Google Workspace comes included from 13.60 EUR per user and month, which makes it the cheaper route, yet Business plans only keep Gemini prompts in Europe at rest, not while they are being processed.

All prices below are net, excluding Luxembourg VAT, per user and month, read on 12.11.2026 on the vendors' own pages with Luxembourg selected. No vendor paid for this comparison, and we did not run our own quality tests, so this piece compares documented prices, terms and data handling, not answer quality.

What does Microsoft 365 Copilot cost in Luxembourg?

Microsoft sells Copilot for small businesses as Microsoft 365 Copilot Business, an add-on for organisations with up to 300 users. It needs an eligible base licence such as Microsoft 365 Business Basic, Standard or Premium. Microsoft has no separate Luxembourg language page, but its business page lets you pick Luxembourg as billing country, and the euro prices are identical to the French, German, Belgian and Irish pages.

• Business Standard with Copilot: 20.36 EUR with annual payment, 24.43 EUR as a monthly subscription.
• Business Premium with Copilot: 27.73 EUR annual, 33.28 EUR monthly.
• Copilot Business as an add-on: 18.20 EUR annual, 21.84 EUR monthly, on top of a base plan. Until 31.12.2026 Microsoft advertises 15.60 EUR for the first year, for existing customers with an eligible plan and an annual commitment.
• Business Basic alone: 6.07 EUR annual. It already includes Copilot Chat with web grounding, but not Copilot inside Word, Excel or Teams.

Two cost points are easy to miss. Microsoft bills some advanced features by usage on top of the licence, currently Copilot Cowork, Code, Autopilot and the Work IQ APIs, through Copilot credits. And the cheapest complete package with Copilot in the apps is the Business Standard bundle, not Basic plus the add-on, which on the listed prices would come to 24.27 EUR.

What does Gemini for Google Workspace cost in Luxembourg?

Google does not sell Gemini for Workspace as a separate add-on. It is part of the Business plans, and the plan decides which apps get it. The pricing page, opened from Luxembourg, shows euro prices without taxes.

• Business Starter: 6.80 EUR with annual commitment, 8.10 EUR flexible. Gemini works in Gmail and in the Gemini app, but not in Docs, Sheets, Slides, Drive, Meet or Chat.
• Business Standard: 13.60 EUR annual, 16.20 EUR flexible. Gemini in Gmail, Docs, Sheets, Slides, Drive, Meet and Chat, plus access to Google's more capable models.
• Business Plus: 21.10 EUR annual, 25.30 EUR flexible, with Vault and stronger security controls.

New customers get 10 % off for 12 months on the first 20 users, which brings Standard to 12.24 EUR. Business plans are capped at 300 users, the same ceiling as Microsoft's offer.

Where is the data processed and stored?

This is where the two differ most, and where a Luxembourg company handling client data should read closely.

Microsoft. Copilot is an EU Data Boundary service for EU customers. Microsoft states that prompts, responses and data pulled from Microsoft Graph are not used to train foundation models, and that the Data Protection Addendum and GDPR commitments apply. The catch is flex routing: at peak demand Microsoft may run the model outside the EU Data Boundary, including in the United States, Canada and Australia, while stored data stays in the EU. Flex routing is on by default for tenants created after 25.03.2026, so a company that opens Microsoft 365 today starts with it switched on. An administrator with the AI Administrator role can turn it off in the Microsoft 365 admin center. Models from Anthropic, which Microsoft offers as an option, are currently excluded from the EU Data Boundary.

Google. Google states that Workspace content and prompts are not human reviewed or used to train generative AI models outside your domain without permission, and the Cloud Data Processing Addendum applies. Admins set how long Gemini prompts are kept, from 90 days to indefinitely. On location, Business Standard and Plus include Fundamental Data Regions: you can pin Gemini prompts and responses to Europe at rest. Processing in use stays in Europe only with Enterprise Data Regions, which comes with Enterprise Plus or as a paid add-on whose price we could not verify on the public pricing page. Business Starter is not listed for data regions at all, and Gemini Notebook is not covered on any plan.

In short, both promise no training on your business data. Microsoft keeps processing in the EU if you switch flex routing off. Google keeps storage in Europe from Business Standard, but in-use processing in Europe costs extra.

Which languages does each one support?

Both cover the three working languages of most Luxembourg offices. Microsoft lists French, German and English for work accounts, and Google lists French and German for the side panel, Help me write and Meet notes among other features. Neither lists Luxembourgish, so prompts and summaries in Lëtzebuergesch are not a supported use on either side.

How do they compare side by side?

Which one should a Luxembourg SME choose?

Choose Microsoft 365 Copilot if your team already writes in Word, models in Excel and meets in Teams, and if you want a documented switch that keeps model processing inside the EU. Budget for the higher seat price, check the flex routing setting on day one, and keep an eye on usage based charges if you use agents.

Choose Gemini for Google Workspace if you are on Google already or are setting up a new office and price matters more than Office file fidelity. Start at Business Standard, not Starter, if you want Gemini in Docs, Sheets and Meet and a European storage region. If your contracts require processing in Europe as well, budget for Enterprise Data Regions and ask Google for the price.

Whichever you pick, write down who may use the assistant for what before you switch it on. Our guide on writing an AI usage policy for employees gives a template, and the SME Packages AI guide explains how Luxembourg co-funds AI projects. If you only need a chat assistant rather than an office suite, see our comparison of AI chat subscriptions in Luxembourg.

What remains unclear?

• Microsoft does not publish a separate Luxembourg price page; the figures come from its business page with Luxembourg chosen as billing country.
• Microsoft also lists plans without Teams for the European Economic Area, but the page did not show clearly whether those figures are annual or monthly, so we left them out.
• The price of Google's Enterprise Data Regions add-on is not on the public pricing page.
• Neither vendor publishes how often flex routing or out of region processing actually happens.