What is "MICROSOFT*" on my bank statement?
MICROSOFT* is usually a legitimate charge from Microsoft for software, subscriptions, games, or cloud services.
Merchant: Microsoft | Category: Technology
What Is This Charge?
A charge from Microsoft reflects a payment for one of Microsoft's many digital services or subscriptions. This commonly includes Microsoft 365 (formerly Office 365), Xbox Game Pass or Xbox Live Gold, Azure cloud services, OneDrive storage, Skype credits, Microsoft Store purchases, Copilot Pro, or Windows license purchases. Microsoft offers dozens of subscription services across productivity, gaming, cloud, and consumer products.
Why Does This Charge Appear on My Statement?
Microsoft charges appear when a subscription auto-renews or when you make a purchase through the Microsoft Store, Xbox Store, or a Microsoft service. The most common recurring charges are Microsoft 365 subscriptions (monthly or annual), Xbox Game Pass ($9.99-$19.99/month), and OneDrive storage upgrades. One-time charges may include software purchases, Xbox game purchases, or in-app purchases in Microsoft apps. If you have an Xbox, household members may be making purchases through a linked account.
Typical Charge Amounts
Microsoft 365 Personal costs $6.99/month or $69.99/year. Microsoft 365 Family costs $9.99/month or $99.99/year. Xbox Game Pass Core is $9.99/month, Standard is $14.99/month, and Ultimate is $19.99/month. OneDrive storage (100GB) is $1.99/month. Copilot Pro is $20/month. Individual software or game purchases range from $5 to $499. Azure charges vary widely based on usage.
Common Variations
Charges may appear as MICROSOFT, MSFT, MICROSOFT*OFFICE, MICROSOFT*XBOX, MICROSOFT 365, MICROSOFT*STORE, MSBILL.INFO, or XBOX. Some statements show MICROSOFT*ONEDRIVE, MICROSOFT*SKYPE, or MICROSOFT*COPILOT. The descriptor MSBILL.INFO is a common Microsoft billing descriptor that appears for various services.
Is This Charge Legitimate?
Log into account.microsoft.com and go to "Services & subscriptions" to see all active subscriptions and their billing amounts. Check "Order history" for recent purchases. For Xbox-related charges, sign into the Xbox app or console and check purchase history. If you see MSBILL.INFO and don't recognize it, it's still Microsoft — check all the services above. Children's Xbox accounts may be making purchases if family settings aren't configured.
How to Dispute or Cancel
To cancel a Microsoft subscription, go to account.microsoft.com > "Services & subscriptions" and click "Manage" next to the subscription, then "Cancel." For Xbox subscriptions, go to the same page or use the Xbox console settings. Microsoft offers refunds within 30 days for most digital purchases if the content hasn't been extensively used. Contact Microsoft support at support.microsoft.com for billing disputes. To prevent unauthorized Xbox purchases, enable purchase approval in family settings.
Frequently Asked Questions
What is MSBILL.INFO on my bank statement?
MSBILL.INFO is Microsoft's billing descriptor used for various Microsoft services and subscriptions. It can represent charges for Microsoft 365, Xbox Game Pass, OneDrive, Skype, Windows purchases, or any other Microsoft service. Log into account.microsoft.com and check 'Order history' and 'Services & subscriptions' to identify which specific service generated the charge.
How do I cancel Microsoft 365 and stop the recurring charge?
Go to account.microsoft.com, sign in, click 'Services & subscriptions,' find Microsoft 365, and click 'Manage' > 'Cancel.' If you cancel an annual subscription, you can request a prorated refund within the first 30 days. After cancellation, your Office apps (Word, Excel, PowerPoint) switch to read-only mode. Your files remain in OneDrive, but storage reverts to the free 5GB limit — download files if you're over the limit.
My child made unauthorized Xbox purchases — can I get a refund?
Go to account.microsoft.com/family and review the child's purchase history. Microsoft's refund policy allows returns of digital content within 30 days if it hasn't been extensively used. Submit refund requests at support.xbox.com. To prevent future unauthorized purchases, go to Family Settings and enable 'Ask a parent' for all purchases. You can also require a passkey for any Xbox purchase.
Why am I being charged for Xbox Game Pass when I canceled?
Check that cancellation was completed at account.microsoft.com > Services & subscriptions. If the subscription still shows as active, the cancellation may not have processed correctly. Also check if Xbox Game Pass Ultimate was converted from a separate Xbox Live Gold or Game Pass subscription that auto-renewed. If you were charged after cancellation, contact Microsoft support for a refund.
What is the $9.99 monthly Microsoft charge?
Common Microsoft charges at $9.99/month include: Microsoft 365 Family ($9.99/month), Xbox Game Pass Core ($9.99/month), or OneDrive 200GB storage. Log into account.microsoft.com to check which specific subscription is generating this charge. The 'Services & subscriptions' page shows all active subscriptions with their exact billing amounts.
Similar Charges
- MICROSOFT*OFFICE 365
- MSFT*XBOX GAME PASS
- MSBILL.INFO
- MICROSOFT*STORE
- MICROSOFT 365