M365 Personal to M365 Premium - Billing Question

Question

M365 Personal to M365 Premium - Billing Question

Najib El Otmani 0

On August 9th, 2026, I upgraded from Microsoft 365 Basic to Microsoft 365 Personal and paid $99.99 for the yearly subscription.

Today (09/10/2026) I upgraded to Microsoft 365 Premium and opted for the monthly subscription.

Since I have already paid in full for Microsoft 365 Personal, will I be getting a refund or what else will happen to my money?

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4 answers

Your answer

Answer 1

Hello

If you go from an annual plan to a monthly plan, it is usually treated as a separate plan. So you might end up paying for two separate subscriptions, an annual personal plan and a monthly premium plan.

Check your account https://account.live.com > Subscriptions, how many is listed there? One or two?

If the personal plan is no longer listed, then you should be all set, as it will do a conversation

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If you have two separate plans listed, then you might cancel one of them, and discuss with support to see what refund option you have. Typically you can only get a refund by canceling within 30 days, but if this is made by mistake, explain to support, see if they will make an exception for you.

Go to https://support.microsoft.com/contactus, Type "Billing" and press Enter. On the next screen, click "Contact support" at the bottom of the page, then choose "Microsoft 365" > "Manage my subscription". You’ll then see the option to chat with a Microsoft support agent who has access to your account to help review the issue.

You can reference this detail step by step instruction with screenshots I posted in this thread: https://learn.microsoft.com/en-us/answers/c/2714817

Answer 2

Bence Weiszmann 1,560

Dear @Najib El Otmani

According to Microsoft's current subscription rules, when switching from Microsoft 365 Personal to Microsoft 365 Premium, 60% of the remaining subscription time is added to the new Premium subscription. https://support.microsoft.com/en-us/accounts-billing/subscriptions/switch-between-microsoft-365-subscriptions

You can check your current Premium subscription and expiration date here: https://account.microsoft.com/services

This should show the updated expiration date after the upgrade.

Best regards,
Bence

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Answer 3

Najib El Otmani 0

Where can I see the experiration date?

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Answer 4

When switching to a Microsoft 365 subscription with more features, Microsoft charges for the new subscription and converts the remaining time on the current subscription into added time on the new one. It is not handled as a cash refund in the normal upgrade path.

For a move from Microsoft 365 Personal to Microsoft 365 Premium, the remaining time converts at 60%. Since the new plan was purchased with the same Microsoft account, the unused portion of the Personal subscription should be added to the Premium subscription term at that conversion rate.

If the upgrade was done as a normal switch, check the new Microsoft 365 Premium expiration date in Services & subscriptions to confirm the added time was applied.

A refund is generally tied to cancelling a subscription, and refund eligibility is determined during the cancellation flow. If this was not processed as a switch and instead resulted in two separate subscriptions, cancel the unwanted subscription in Services & subscriptions and review whether a refund is offered during cancellation.