Which large banks use Microsoft?

Data checked Oct 28, 2026 · 71 of 141 banks qualify · 74 sources cited · template updated Oct 30, 2026

AI vendors and platforms · computed from bank profiles and the Microsoft vendor page; nothing on this page is written by a model. All ranked answers: /banks/leaders

On the public record as of Oct 28, 2026, 71 of the 141 large banks profiled have a dated, sourced profile entry naming Microsoft (a use case, a timeline move, a platform note or a vendor-page customer record). Ranked by entries naming Microsoft, the top 5 are UBS (US) (15 entries), SouthState (15 entries), UBS Group AG (13 entries), Barclays (13 entries) and Commonwealth Bank (11 entries). UBS (US)'s strongest evidence: Microsoft Azure OpenAI Service and Azure AI Search (use case, in production, Oct 13, 2026).

141 banks profiled (120 US, 21 non-US) · 71 with matching evidence · top 40 shown · ranked answer, not a comparison

Which of the large banks use Microsoft?

Checked 2026-10-28 · bank profiles and the Microsoft vendor page
#BankEntries naming MicrosoftStrongest entryStatusDateOn this siteSources
1UBS (US)15Microsoft Azure OpenAI Service and Azure AI Search (use case, in production, Oct 13, 2026)In productionOct 13, 2026UBS (US) profile →Microsoft Customer Stories ↗ · UBS ↗
2SouthState15Microsoft Copilot across the workforce (use case, in production, Aug 3, 2026)In productionAug 3, 2026SouthState profile →SouthState Correspondent Division ↗ · SouthState Bank Corporation (SEC filings) ↗
3UBS Group AG13Red and Microsoft 365 Copilot for all employees (use case, in production, Mar 9, 2026)In productionMar 9, 2026UBS Group AG profile →UBS Group AG ↗ · UBS Group AG (SEC filing) ↗
4Barclays13Microsoft 365 Copilot and colleague agents (use case, in production, Feb 10, 2026)In productionFeb 10, 2026Barclays profile →Microsoft ↗ · Yahoo Finance (Quartr) ↗
5Commonwealth Bank11Strategic partnerships with AWS, Anthropic, Microsoft and OpenAI (use case, in production, Aug 12, 2026)In productionAug 12, 2026Commonwealth Bank profile →Commonwealth Bank of Australia ↗ · Commonwealth Bank of Australia ↗
6OceanFirst11AI through existing vendor relationships — the named stack covers Microsoft, Databricks, kore.ai, Five9 and MagicMirror, and the Q2 2026 10-Q lists dependence on… (use case, in production, Aug 7, 2026)In productionAug 7, 2026OceanFirst profile →Investing.com ↗ · OceanFirst Financial Corp. (SEC filings) ↗
7Popular10Copilot-thon, prompt-a-thon and Microsoft intern hackathons (use case, in production, Jun 11, 2026)In productionJun 11, 2026Popular profile →Microsoft Source LATAM ↗ · Popular, Inc. ↗
8UOB9Microsoft Copilot for employees (use case, in production, Oct 24, 2026)In productionOct 24, 2026UOB profile →The Business Times ↗ · United Overseas Bank ↗
9M&T9Approved-tool rule and retrieval over governed data — Copilot is the approved tool, retrieval is limited to internal governed data, and staff remain accountable for outputs (use case, in production, Sep 4, 2026)In productionSep 4, 2026M&T profile →American Banker ↗ · AI News ↗
10Lloyds9Microsoft 365 Copilot and E7 Frontier Suite (use case, rolling out, Jul 30, 2026)Rolling outJul 30, 2026Lloyds profile →Lloyds Banking Group ↗ · Lloyds Banking Group ↗
11TowneBank8Talkdesk cloud contact centre with Talkdesk Copilot (use case, in production, Aug 18, 2026)In productionAug 18, 2026TowneBank profile →TowneBank (from The CEO Magazine) ↗ · Talkdesk ↗
12BMO Financial Group8Microsoft Copilot and Copilot Chat (use case, in production, Mar 13, 2026)In productionMar 13, 2026BMO Financial Group profile →The Globe and Mail (Canadian Press) ↗ · Bank of Montreal (SEC filing) ↗
13Citizens8CDAO Swamy: LLMs as a translator for customer intent; models inside the bank's VPC — On an American Banker panel Krish Swamy said LLMs map what callers say to a small set of intents, that some models run… (move, Jul…MentionedJul 30, 2026Citizens profile →American Banker ↗ · Banking Dive ↗
14Bank of Hawaii7Generative AI tools for employees — Microsoft Copilot available to all employees from July 2025 after three training modules, supported by 60 AI Ambassadors (use case, in production, Apr 28, 2026)In productionApr 28, 2026Bank of Hawaii profile →MarketBeat (Yahoo Finance) ↗ · Bank of Hawaii Corporation (SEC filings) ↗
15Northern Trust7Microsoft Copilot for Service and firmwide Copilot (use case, in production, Feb 11, 2026)In productionFeb 11, 2026Northern Trust profile →Microsoft ↗ · MarketBeat (Yahoo Finance) ↗
16Barclays US7Microsoft 365 Copilot (group) (use case, in production, Feb 10, 2026)In productionFeb 10, 2026Barclays US profile →Microsoft ↗ · SEC (Barclays PLC 20-F) ↗
17CIBC7Azure-hosted data and a ChatGPT-based CAI (use case, in production, Jan 7, 2026)In productionJan 7, 2026CIBC profile →Microsoft ↗ · Forbes ↗
18TD Bank Group6Copilot and AI-assisted engineering (use case, in production, Aug 31, 2026)In productionAug 31, 2026TD Bank Group profile →Motley Fool (The Globe and Mail) ↗ · Motley Fool (Yahoo Finance) ↗
19Regions6GitHub and Microsoft copilots for associates (use case, in production, Aug 7, 2026)In productionAug 7, 2026Regions profile →Regions Financial (SEC filing) ↗ · Regions Financial (SEC filing) ↗
20State Street6Copilot platform for all eligible employees (use case, in production, Jul 23, 2026)In productionJul 23, 2026State Street profile →Motley Fool (Yahoo Finance) ↗ · VentureBeat ↗
21Ally6Scott Richardson, Former Chief Information Officer, Enterprise Data and Analytics (as named in Microsoft's… (leader, Sep 3, 2026)MentionedSep 3, 2026Ally profile →Microsoft ↗ · First Citizens Bank ↗
22HSBC USA6Microsoft 365 Copilot (use case, rolling out, Jul 29, 2026)Rolling outJul 29, 2026HSBC USA profile →Microsoft ↗ · Microsoft ↗
23HSBC6Microsoft 365 Copilot (use case, rolling out, Jul 29, 2026)Rolling outJul 29, 2026HSBC profile →Microsoft ↗ · Microsoft ↗
24MUFG6ChatGPT Enterprise for MUFG Bank staff — Rolled out from January 2026 to about 35,000 bank employees for document drafting, research, customer handling and… (use case, rolling out, May 19, 2026)Rolling outMay 19, 2026MUFG profile →Mitsubishi UFJ Financial Group, Inc. ↗ · Mitsubishi UFJ Financial Group, Inc. ↗
25Fulton5NICE Expert knowledge base, Copilot auto summary and chat channel (use case, in production, Sep 30, 2026)In productionSep 30, 2026Fulton profile →NICE ↗ · NICE ↗
26Banco Santander5AI tools for all employees (multi-provider) — Microsoft Copilot for everyday productivity plus OpenAI's ChatGPT, Anthropic's Claude and Google's Gemini for… (use case, in production, Jun 22, 2026)In productionJun 22, 2026Banco Santander profile →Banco Santander ↗ · Banco Santander ↗
27BMO5Approved-tools rule and Microsoft Copilot (use case, in production, Mar 13, 2026)In productionMar 13, 2026BMO profile →Bank of Montreal (SEC filing) ↗ · Banking Dive ↗
28Wells Fargo5Microsoft 365 Copilot (use case, in production, Nov 20, 2025)In productionNov 20, 2025Wells Fargo profile →Microsoft ↗ · American Banker ↗
29Optum Bank5Microsoft, Google and Anthropic go-to-market partnerships (use case, rolling out, Oct 13, 2026)Rolling outOct 13, 2026Optum Bank profile →earnings call transcript (The Motley Fool) ↗ · Optum ↗
30BankUnited4Talkdesk AI contact centre — The contact centre runs on Talkdesk's Financial Services Experience Cloud: Talkdesk Copilot guides agents during… (use case, in production, Sep 24, 2026)In productionSep 24, 2026BankUnited profile →Talkdesk ↗ · Talkdesk ↗
31NatWest4Internal GenAI platform and Copilot Chat for all colleagues (use case, in production, Jul 27, 2026)In productionJul 27, 2026NatWest profile →NatWest Group ↗ · NatWest Group plc ↗
32First Merchants4Microsoft Copilot across the organisation (use case, in production, Jun 5, 2026)In productionJun 5, 2026First Merchants profile →Louisville Business First ↗
33Standard Chartered4Microsoft Copilot across the enterprise (use case, in production, Jun 5, 2026)In productionJun 5, 2026Standard Chartered profile →Standard Chartered PLC ↗ · Monetary Authority of Singapore ↗
34BNY4Azure document intelligence in lockbox (use case, in production, May 12, 2026)In productionMay 12, 2026BNY profile →Microsoft WorkLab ↗ · Fortune ↗
35Banc of California4Enterprise AI tools and Copilot (use case, in production, Apr 23, 2026)In productionApr 23, 2026Banc of California profile →Yahoo Finance (Motley Fool transcript) ↗ · Los Angeles Business Journal (reprint posted by Banc of California) ↗
36PNC4Microsoft Copilot, firm-wide (use case, in production, Mar 11, 2026)In productionMar 11, 2026PNC profile →PNC via SEC EDGAR ↗
37National Bank Holdings42UniFi vendor and cloud stack — John Finn named Finxact, Visa and Marqeta (as transcribed) as architecture partners and Snowflake and Microsoft Azure… (use case, in production, Feb 24, 2026)In productionFeb 24, 2026National Bank Holdings profile →earnings call transcript (The Motley Fool) ↗ · National Bank Holdings Corporation (SEC filing) ↗
38Fifth Third4Microsoft Copilot for employees (use case, in production, Jan 16, 2025)In productionJan 16, 2025Fifth Third profile →Fortune ↗ · Forbes ↗
39TD4Q2 fiscal 2026 call: US AML runs on AI-enhanced transaction monitoring — group: over 40,000 colleagues using Copilot (the call did not name the product's vendor), over 7,000 engineers using… (move, May 28, 2026)MentionedMay 28, 2026TD profile →Motley Fool (Yahoo Finance) ↗ · American Banker ↗
40Société Générale4Microsoft Copilot for employees (replacing SoGPT) (use case, rolling out, Jan 12, 2026)Rolling outJan 12, 2026Société Générale profile →Bloomberg ↗ · Societe Generale ↗

Each row quotes one record from bank profiles and the Microsoft vendor page; the “On this site” link opens the bank's own page or sub-page with every source. Banks absent from the table have nothing matching on the record this site holds.

How is this ranked?

Data: the 141 bank profiles on this site (lib/banks), every entry dated and sourced, plus the bank customers listed on the Microsoft vendor page (/vendors/microsoft-copilot).

Rule: A bank is listed when at least one use case, timeline move, platform note, section row, number, quote or leader entry on its profile matches the pattern Microsoft|Azure|(?<!GitHub )Copilot, or when the vendor page records it as a customer. Score = number of matching entries. Order: entries, then banks with a matching use case in production, then the newest entry. An entry that only restricts or blocks the vendor's tool is kept, marked "Restricted" and sorted last.

Counts: 71 of 141 profiled banks qualify; the table shows the top 40; 74 distinct sources cited in the table. Data checked 2026-10-28; ranking template updated 2026-10-30.

What are the caveats?

Naming Microsoft on the public record is evidence of a relationship, a pilot or a policy, not of contract size or exclusivity; many banks use several providers and do not name them all.

Banks absent from the table have nothing matching on the record this site holds, which is not evidence that they do nothing. Each row links the bank's own page, where every entry carries its sources.

Which bank ranks first?

UBS (US) leads with 15 entries: Microsoft Azure OpenAI Service and Azure AI Search (use case, in production, Oct 13, 2026). SouthState is second with 15.

How many large banks name Microsoft in sourced AI records?

71 of the 141 profiled banks (120 US, 21 non-US groups); the table shows the top 40. Among those listed, 27 are US banks and 13 non-US groups.

What counts, and what does not?

A bank is listed when at least one use case, timeline move, platform note, section row, number, quote or leader entry on its profile matches the pattern Microsoft|Azure|(?<!GitHub )Copilot, or when the vendor page records it as a customer. Score = number of matching entries. Order: entries, then banks with a matching use case in production, then the newest entry. An entry that only restricts or blocks the vendor's tool is kept, marked "Restricted" and sorted last. Source: the 141 bank profiles on this site (lib/banks), every entry dated and sourced, plus the bank customers listed on the Microsoft vendor page (/vendors/microsoft-copilot).

Is this a measure of capability?

No. Every row is a sourced fact on the public record: what the bank, a regulator, a filing or an independent outlet has put on the record. The page does not rate how well anything works.

When was this checked, and how often does it update?

The data behind the table was last checked on 2026-10-28 (bank profiles and the Microsoft vendor page). The page recomputes whenever that dataset changes and is republished with the site; it is never edited by hand.

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