What is "MICROSOFT 365" on my bank statement?
MICROSOFT 365 is usually a legitimate subscription charge from Microsoft for Office apps and cloud services.
Merchant: Microsoft 365 | Category: Subscription
What Is This Charge?
A charge from Microsoft 365 reflects a purchase of Microsoft’s subscription software and cloud services, which began as the Microsoft Office product line in 1989 and is now part of Microsoft’s global software business. Microsoft is a Fortune 500 company with no retail store network for this product, because Microsoft 365 is sold online and through app stores, device bundles, and business billing portals. This charge usually covers Office apps such as Word, Excel, PowerPoint, and Outlook, plus cloud storage through OneDrive. It can also cover a family plan, a business seat, or an auto-renewing monthly subscription.
Why Does This Charge Appear on My Statement?
This charge appears when a Microsoft 365 subscription renews automatically on the billing date. It also appears when you start a free trial and the trial converts to paid billing after the trial period ends. A second common trigger is a purchase made through Microsoft Store, Apple App Store, Google Play, or a work account that bills through Microsoft. A family member or coworker can also trigger the charge if your card is saved on the account.
Typical Charge Amounts
Microsoft 365 Personal commonly bills at about $6.99 per month or about $69.99 per year in the United States. Microsoft 365 Family commonly bills at about $9.99 per month or about $99.99 per year. Business plans often start around $6.00 to $22.00 per user per month, depending on the plan and billing cycle. A temporary card verification hold can also appear for $0.00, $1.00, or a small test authorization before the final subscription charge posts.
Common Variations
MICROSOFT 365 MSFT 365 MICROSOFT*365 MSFT*SUBSCRIPTION MICROSOFT 365 SUBSCRIPTION MSFT*365 MICROSOFT*XBOX 365 MICROSOFT 365 MSBILL.INFO MSFT 365 ONLINE MICROSOFT 365 #1234567890
Is This Charge Legitimate?
A legitimate Microsoft 365 charge should match a subscription you or someone in your household started, and it should appear in your Microsoft account billing history. Check the subscription at https://account.microsoft.com/services and sign in with the email address that may have been used for the purchase. Review the charge details in the Microsoft account portal, the Microsoft Store order history, or the App Store subscription list if the purchase was made on a phone. If you do not recognize the charge, call Microsoft Support at 1-800-642-7676 and compare the last four digits of the card used.
How to Dispute or Cancel
1. Cancel the subscription in the Microsoft account at https://account.microsoft.com/services before the next renewal date. 2. If the charge came from Apple or Google, cancel it in the App Store or Google Play subscription settings instead of only in Microsoft. 3. Ask Microsoft Support at 1-800-642-7676 whether the charge is a renewal, a trial conversion, or a separate business license. 4. If you still do not recognize the charge, contact your bank or card issuer and file a card dispute while you keep screenshots of the billing page, the descriptor, and the transaction date.
Frequently Asked Questions
Why does my Microsoft 365 charge show as MICROSOFT*365?
MICROSOFT*365 is a normal billing descriptor for a Microsoft subscription charge. The asterisk often appears when the payment came from Microsoft’s online billing system, a trial conversion, or an auto-renewal tied to your Microsoft account.
How do I cancel my Microsoft 365 subscription?
Cancel Microsoft 365 by signing in at https://account.microsoft.com/services, opening the subscription, and turning off recurring billing or selecting cancel. If you bought it through Apple, Google, or a work admin portal, you must cancel in that same place or the charge can continue.
Why is my Microsoft 365 charge a different amount than expected?
The amount can differ because Microsoft bills monthly or yearly, applies local taxes, or converts a free trial into a paid plan. A business seat, family plan, or plan upgrade can also change the price, and a small $1.00 verification hold may appear before the final charge posts.
Can Microsoft 365 charges come from a family member’s account?
Yes, Microsoft 365 charges can come from a family member’s account if your card is saved as the payment method or if family sharing is enabled. Check the Microsoft account billing page and the subscription list for every email address in the household before disputing the charge.
What should I do if I see a Microsoft 365 charge I do not recognize?
First check https://account.microsoft.com/services and review all Microsoft, Xbox, and Office subscriptions tied to your email addresses. If nothing matches, call Microsoft Support at 1-800-642-7676, freeze the card if needed, and file a bank dispute for the exact transaction date and amount.
Similar Charges
- MICROSOFT 365
- MSFT 365
- MICROSOFT*365
- MSFT*SUBSCRIPTION
- MICROSOFT 365 SUBSCRIPTION