VS
Head-to-Head Comparison
Microsoft Copilot vs Windsurf
An honest, side-by-side breakdown of pricing, features, and security — so you can pick the right tool.
Feature comparison
| Feature | Microsoft Copilot | Windsurf |
|---|---|---|
| CompareMyAI score | 7.8 / 10 | 7.6 / 10 |
| Free tier | ||
| API access | ||
| Open source | ||
| Enterprise ready | ||
| GDPR compliant | ||
| SOC 2 certified | ||
| ISO 27001 | ||
| MFA supported | ||
| Trains on your data | Yes |
Pricing
FreeFree
Microsoft 365 Personal£6/mo
Microsoft 365 Copilot£24/mo
EnterpriseContact us
FreeFree
Pro£16/mo
Max£157/mo
Teams£63/mo
EnterpriseContact us
Prices in GBP. Verified monthly. Always check the provider's site for the latest.
Pros & cons
Microsoft Copilot
Pros
- +Built into Microsoft 365
- +Strong enterprise security and compliance
- +SOC2 and GDPR certified
- +No separate subscription if you have M365
Cons
- −Limited standalone value outside Microsoft ecosystem
- −Less capable than ChatGPT or Claude for general tasks
- −Requires M365 licence
Windsurf
Pros
- +Agentic coding with multi-step task planning built directly into the editor
- +UK GDPR and EEA data rights confirmed in Cognition privacy policy
- +Free tier available — Devin Desktop IDE at no cost
- +Integrates VS Code and Cursor configurations out of the box
Cons
- −Rebranded from Windsurf to Devin Desktop — product identity in transition
- −Trains on user code by default — confirmed from Cognition privacy policy
- −SOC2 and ISO 27001 not confirmed from official sources
- −Pricing sourced from Cognition blog post (April 2026), not a live pricing page
Our take— Microsoft Copilot wins
Based on our comparison of published pricing, features, and compliance data, Microsoft Copilot pulls ahead with SOC 2 certification and ISO 27001 certification. Windsurf stays close but doesn't lead on any single attribute here. Microsoft Copilot scores 7.8/10 to Windsurf's 7.6/10. Pick Microsoft Copilot if SOC 2 certification matters; Windsurf is the pick if it doesn't.