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Microsoft 365 Basic vs Standard vs Premium: Is Premium Worth It?

Microsoft 365 Business Premium costs US$22 per user per month, against US$14 for Business Standard and US$7 for Business Basic (annual plan, before GST, as of October 2026). The extra money buys security, not productivity: device management, antivirus with detection and response, safer email and sign-in rules. This guide compares the three plans line by line from Microsoft's own pages, works out whether Standard plus add-ons is cheaper, and gives a simple test for when Premium is worth it for a Singapore small business.

By IT SortedUpdated 6 min read
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Key takeaways

  • Basic US$7, Standard US$14, Premium US$22 per user per month on an annual plan, before GST (Oct 2026).
  • Premium adds Intune, Defender for Business, Entra ID P1 and Defender for Office 365 Plan 1.
  • Standard plus Defender for Business plus Entra ID P1 costs US$24, more than Premium.
  • Free security defaults give every plan basic MFA; Conditional Access needs Premium or Entra ID P1.
  • The licence only helps if someone actually configures and maintains the features.
In this guide · 7 sections
  1. 01Business Basic vs Standard vs Premium at a glance
  2. 02What Business Premium adds, in plain English
  3. 03Is Standard plus add-ons cheaper than Premium?
  4. 04When Business Premium is worth it
  5. 05What every plan should have switched on anyway
  6. 06Do it yourself or get help?
  7. 07Frequently asked questions

Short answer

Premium is worth it if staff keep company data on laptops or phones, or if you need rules such as blocking sign-ins from unmanaged devices. It adds Intune, Defender for Business, Conditional Access and Defender for Office 365 for US$8 more than Standard. A one-person firm using only web apps rarely needs it.

Business Basic vs Standard vs Premium at a glance

Prices and features below are from Microsoft's Singapore plans and pricing page as of October 2026. Prices are per user per month on an annual subscription, in US dollars, excluding GST. All three plans allow up to 300 users.

Business Basic

US$7

  • Business email on your domain
  • Web and mobile Office apps only
  • Teams, 1 TB OneDrive per user
  • Basic spam and malware filtering

Best for: Staff who only need email and browser apps.

Business Standard

Most common

US$14

  • Everything in Basic
  • Desktop Word, Excel, PowerPoint, Outlook
  • Up to 5 PCs or Macs per user
  • No device management or EDR

Best for: Office teams that work in desktop apps.

Business Premium

Security bundle

US$22

  • Everything in Standard
  • Intune device management
  • Defender for Business (antivirus with EDR)
  • Conditional Access and Defender for Office 365

Best for: Firms with laptops holding client or patient data.

Prices rose for Basic and Standard on 1 July 2026 while Premium stayed the same. See our guide to the Microsoft 365 price increase for old and new figures.

What Business Premium adds, in plain English

Feature in PremiumWhat it doesBasic / Standard
Intune Plan 1Enforces encryption, screen locks and updates; remote wipe of lost devicesNot included
Defender for BusinessAntivirus plus endpoint detection and response (EDR) on up to 5 devices per userNot included (US$3 add-on)
Microsoft Entra ID P1Conditional Access: block risky sign-ins or unmanaged devicesFree version only
Defender for Office 365 Plan 1Safe Links and Safe Attachments, impersonation protectionLink checking at click time only
Purview Information Protection and DLPLabels and rules that stop sensitive data leaving by email or filesNot included
Email archive1.5 TB archive per user50 GB archive
Source: Microsoft Singapore plans page and Microsoft Learn, October 2026.

Microsoft's Defender for Business overview explains that it includes Defender for Endpoint Plan 1 features plus EDR, automated investigation and vulnerability management, designed for up to 300 users. Our guide to Defender for Business vs antivirus covers that piece in detail.

Is Standard plus add-ons cheaper than Premium?

Sometimes people buy Standard and add only the security pieces they need. With the July 2026 list prices, that rarely saves money.

  • Business StandardPer user per month, annualUS$14.00
  • Defender for Business (standalone)Microsoft Singapore pageUS$3.00
  • Microsoft Entra ID P1 (for Conditional Access)Microsoft licensing price listUS$7.00

Standard + two add-onsUS$24.00

Premium is US$22 and also includes Intune, Defender for Office 365 Plan 1 and Purview. Prices before GST, as of October 2026.

Standard plus Defender for Business alone (US$17) can make sense if your only gap is antivirus on Windows PCs and you do not need device management or sign-in rules. Once you want two or more of the Premium features, Premium is cheaper and simpler to manage.

When Business Premium is worth it

Premium usually pays off if

  • Laptops or phones hold client, patient or financial data
  • Staff use personal phones for work email (BYOD)
  • You handle NRIC numbers or health data under the PDPA
  • A client, insurer or tender asks for device encryption, EDR or Cyber Essentials
  • You have had a phishing or hacked-mailbox incident

Standard or Basic is usually enough if

  • You are one or two people with no shared data on devices
  • Everyone works in the browser on company-managed Chromebooks
  • You already pay for a separate antivirus and MDM you are happy with
  • Nobody will configure or maintain the security settings

You can also mix plans. Microsoft allows any combination of business plans up to 300 users in total, so a clinic might put the front desk and doctors on Premium and part-timers who only check email on Basic.

What every plan should have switched on anyway

Whatever you choose, some protection costs nothing. Microsoft's security defaults turn on MFA for every user and block old sign-in methods on all plans, including Basic. Our MFA set-up guide walks through it.

Baseline for Basic, Standard and Premium

Do it yourself or get help?

If you are comfortable in the Microsoft 365 admin centre, Microsoft's setup wizards for Business Premium cover the basics. Plan a day for a small office: enrol devices, create Conditional Access policies, and test them on one user before applying them to everyone. Our BYOD and MDM guide explains what to enforce on personal phones.

If you would like it done properly, our Business Email Setup (S$249) gets Microsoft 365 running on your own account, the Microsoft 365 / Google Security Lockdown (S$590) turns on MFA, anti-phishing and sign-in rules, and Device Encryption & Management (S$490) enrols up to 10 devices in Intune with encryption and remote wipe tested. Licence fees are paid by you to Microsoft.

Frequently asked questions

As of October 2026, Microsoft's Singapore page lists Business Premium at US$22 per user per month on an annual subscription, excluding GST. It did not change in the July 2026 price update. Monthly billing on an annual plan costs about 5% more. Resellers may quote in Singapore dollars at slightly different prices.

Both include the same Office apps, email, Teams and storage. Premium adds security: Intune for managing and wiping devices, Defender for Business antivirus with detection and response, Entra ID P1 for Conditional Access, Defender for Office 365 Plan 1 against phishing, and Purview data protection. It costs US$8 more per user per month.

Yes. Microsoft sells Defender for Business on its own at US$3 per user per month on an annual plan, for organisations up to 300 users, including those on Business Basic or Standard. It covers up to five devices per user. Servers need a separate add-on licence.

No. Security defaults, which turn on MFA for all users and block legacy sign-in, are free on every Microsoft 365 plan. Premium adds Conditional Access, which lets you write finer rules, such as only allowing sign-ins from managed devices or blocking sign-ins from certain countries.

Not strictly. CSA's Cyber Essentials mark asks for controls such as malware protection, secure configuration, access control and updates, not a particular product. Premium makes several of these easier to show because device management, antivirus and sign-in rules sit in one console, but other tools can meet the same requirements.

Rather have it done for you?

Fixed price, set up in your own accounts.

Order online, get a written scope, and keep full ownership of everything we set up. Questions first? Ask us in writing.