Every channel, not only Microsoft 365.
Copilot draws on Microsoft 365 data. Quartio connects Outlook and Teams with WhatsApp, meeting notes and other tools, because agreements with clients are rarely made in one place.
Comparison
Quartio vs Microsoft Copilot: every channel, not only Microsoft 365
Copilot works inside Microsoft 365: in Outlook, Teams and documents, with your organisation’s permissions. Quartio connects Outlook and Teams with the rest, such as WhatsApp, meeting notes and other tools, and keeps track of the company’s matters in one place.
Last updated: 5 October 2026
Quartio
An operating system for owners of companies of a few to a few dozen people. It reads email, WhatsApp, meeting notes and documents, records agreements with their source, keeps track of matters and prepares the work for your approval. Every company gets its own server.
Microsoft Copilot
AI in Microsoft 365. Copilot Chat comes with eligible licences and mostly uses the web and content you provide. Microsoft 365 Copilot is an add-on licence that uses the company’s email, files, meetings and calendars.
Point by point
| Quartio | Microsoft Copilot | |
|---|---|---|
| What it is | An operating system for business owners: it knows the company’s matters and keeps track of them to the end. | AI in Microsoft 365: Copilot Chat with eligible licences, and Microsoft 365 Copilot as an add-on licence. |
| Where it works | On WhatsApp, in the browser, and in Claude and Codex through MCP. | In the Copilot app, in Outlook and Teams, and in Word, Excel, PowerPoint and OneNote. |
| Where its knowledge comes from | From email in Outlook, Gmail or another mailbox, from WhatsApp, meetings, documents and more than 3,200 apps. | With a Microsoft 365 Copilot licence: from email, files, meetings and calendars in Microsoft 365. In the basic version: from the web and content you provide. |
| Meetings | Meeting notes, for example from Fathom, go into company memory next to email and WhatsApp. | In Teams it summarises and transcribes meetings and captures action items. |
| Actions | It prepares reply drafts and actions; nothing goes out without your approval. | In Outlook it drafts emails and summarises threads. Cowork carries out tasks across Microsoft 365 on your behalf, billed by usage. |
| Does the data train models | No. Only the excerpt an answer needs goes to the model. | No. Microsoft states that prompts, responses and data accessed through Microsoft Graph are not used to train foundation models. |
| Where the data is | On your company’s own server in the European Union. | Within your organisation’s Microsoft 365; traffic of EU users stays within the EU Data Boundary. |
| Getting started | Quartio’s founders connect the sources with you, starting with one matter. | A Microsoft 365 administrator sets up licences, access and agents. |
No IT department needed.
A Microsoft 365 administrator sets up Copilot: licences, permissions and access to agents. Quartio’s founders set Quartio up with you, starting with one matter.
Matters, not only documents.
Copilot helps you write and summarise in Microsoft apps. Quartio keeps a list of matters: what waits for a decision, what is overdue and who owns it.
When to choose Quartio, and when Microsoft Copilot?
Choose Quartio if
- Clients also write on WhatsApp, not only by email.
- You want one company memory from every channel, with the history of agreements.
- You have no IT department to roll out and configure a tool.
Choose Microsoft Copilot, if
- All of the company’s work happens in Microsoft 365.
- You want help writing and summarising in Microsoft apps.
- You have an administrator who manages licences and permissions.
Questions before you choose
Do I have to give up Microsoft 365?
No. Quartio reads Outlook and Teams and adds WhatsApp, meetings and other tools to them. Microsoft 365 stays as it is.
Can I use both?
Yes. Copilot helps in documents and email, and Quartio connects them with the other channels and keeps track of matters.
How much does it cost?
Quartio is a monthly subscription for the company. We give the amount at the first meeting, once we know how many people and tools it covers, and put it in the order before the start. The first meeting costs nothing.
How much work does the start take?
At the first meeting we pick one matter and connect only the sources it needs, together. You check the answers on your own matters straight away, and the scope grows once you see the benefit.
Other comparisons
Descriptions of other products come from their own pages and public sources, checked on 5 October 2026.