Sells banks per-seat Copilot Business and Enterprise licences for developers, each including a monthly allowance of usage-based AI credits since June 2026, with coding agents from GitHub, Anthropic and OpenAI running inside GitHub.
What is GitHub Copilot, and which banks use it?
GitHub Copilot is the AI coding assistant from Microsoft-owned GitHub, generally available since June 2022 and used by 140,000 organisations in May 2026, according to GitHub. Among our 100 banks, Goldman Sachs gave it to 12,000 developers, TD has enabled 1,800 developers, Citizens rolled out its coding agent to about 800 developers, Regions to about 80% of developers, and Northern Trust uses it for coding. Copilot Business lists at $19 and Enterprise at $39 per granted seat per month, each including AI credits.
Category
Founded
2022
Headquarters
San Francisco, California, US
Ownership
Product of GitHub, which Microsoft (NASDAQ: MSFT) agreed in June 2018 to acquire for $7.5 billion in stock; GitHub's leadership page is headed by Jay Parikh, Executive Vice President of CoreAI at Microsoft.[11][3]
Deployment
SaaS (GitHub cloud) with IDE, command-line and GitHub.com integrations
Pricing
Per granted seat per month, with a monthly allowance of GitHub AI Credits pooled across the organisation (Copilot Business and Enterprise); additional usage billed at $0.01 per credit under admin-set budgets. Since October 28, 2026, GitHub Enterprise Cloud licensees can instead get Copilot access included at a $0 seat charge, with all usage metered from the first request against the enterprise's AI budget and no pooled credit allowance; the same access costs $10 per user per month (Copilot Standalone) for users without a GitHub Enterprise licence.
Banks among the 120
11
- GitHub's documentation lists Copilot Business at $19 and Copilot Enterprise at $39 per granted seat per month, each contributing 1,900 or 3,900 GitHub AI Credits a month to a shared pool; usage beyond the pool costs $0.01 per credit, while code completions stay unlimited.
- All Copilot plans moved to usage-based billing on June 1, 2026, replacing premium-request counting with AI credits consumed by tokens; GitHub said agentic usage 'brings significantly higher compute and inference demands.'
- GitHub said in May 2026 that Copilot serves 140,000 organisations, nearly triple a year earlier, and in October 2025 cited more than 20 million developers.
- Since February 2026, Anthropic's Claude and OpenAI's Codex run as coding agents inside GitHub for Copilot Business customers, alongside GitHub's own coding agent, generally available since September 2025.
- Bank figures come from executives: Goldman Sachs' 12,000 developers (2024), TD's 1,800 developers with 30–40% technology-capacity gains, Regions' approximately 30% lift in code development, and Citizens' coding agent for about half its developers.
- GitHub says it does not use Copilot Business or Enterprise data to train its models and, by default, does not retain prompts and suggestions from IDE chat and code completions for those plans.
- Since October 28, 2026, enterprises working with a GitHub or Microsoft account team can get Copilot included with GitHub Enterprise Cloud for every licensed user at a $0 seat charge, with usage metered from the first request against the enterprise's AI budget instead of a pooled monthly credit allowance; users without a GitHub Enterprise licence get the same access through Copilot Standalone at $10 per user per month. Copilot Business and Copilot Enterprise remain available to purchase separately.
- Goldman Sachs updated internal guidance in October 2026 restricting GitHub's coding tools (and Anthropic's Claude Code) to its roughly 12,000 engineers; most bankers and traders lost access, with an exemption for 'strats', and a Goldman spokesperson described it as standard allocation after evaluation rather than a withdrawal.
What does GitHub Copilot sell to banks?
| Product | What it does | Status |
|---|---|---|
| GitHub Copilot Business[1][2] | Organisation plan with Copilot in the IDE, CLI and GitHub Mobile, licence and policy management, IP indemnity and 1,900 AI credits per seat per month. | Generally available |
| GitHub Copilot Enterprise[1][8] | Everything in Business plus Copilot chat on GitHub.com and codebase indexing for tailored suggestions, with 3,900 AI credits per seat per month. | Generally available |
| Copilot coding agent[9] | An asynchronous agent that works on delegated tasks in its own GitHub Actions environment and opens draft pull requests for review; generally available for all paid plans since September 2025. | Generally available |
| Claude and Codex coding agents in GitHub[10] | Anthropic's Claude and OpenAI's Codex available as coding agents inside GitHub.com, GitHub Mobile and VS Code for Business and Enterprise customers. | Generally available |
How much does GitHub Copilot cost?
How it is charged: Per granted seat per month, with a monthly allowance of GitHub AI Credits pooled across the organisation (Copilot Business and Enterprise); additional usage billed at $0.01 per credit under admin-set budgets. Since October 28, 2026, GitHub Enterprise Cloud licensees can instead get Copilot access included at a $0 seat charge, with all usage metered from the first request against the enterprise's AI budget and no pooled credit allowance; the same access costs $10 per user per month (Copilot Standalone) for users without a GitHub Enterprise licence..
| Product | Plan | List price | Unit | Checked |
|---|---|---|---|---|
| GitHub Copilot | Copilot Business[1] | $19 USD | per granted seat per month; includes 1,900 GitHub AI Credits per user per month | Oct 22, 2026 |
| GitHub Copilot | Copilot Enterprise[1] | $39 USD | per granted seat per month; includes 3,900 GitHub AI Credits per user per month | Oct 22, 2026 |
| GitHub Copilot | Additional usage (Business and Enterprise)[1] | $0.01 USD | per GitHub AI Credit beyond the pooled allowance | Oct 22, 2026 |
| GitHub Copilot | Copilot access (via GitHub Enterprise Cloud licence)[1][26] | $0 USD | seat charge for licensed GitHub Enterprise Cloud users; same features and models as Copilot Enterprise but no included AI-credit allowance, metered usage billed separately from the first request | Nov 8, 2026 |
| GitHub Copilot | Copilot Standalone[1][26] | $10 USD | per user per month for users with no GitHub Enterprise Cloud licence; same features and models as Copilot Enterprise but no included AI-credit allowance, metered usage billed separately | Nov 8, 2026 |
Seat prices and credit rates are published in GitHub's documentation; since June 1, 2026 agent and chat usage draws down AI credits by token, so the total bill depends on usage and admin budgets. Since October 28, 2026 a second, credit-free billing path (Copilot access / Copilot Standalone) coexists with the original seat-plus-credits plans; self-serve availability for Copilot access is rolling out in stages and was not yet available to self-serve customers as of November 8, 2026. Negotiated enterprise terms are not published.
Which banks use GitHub Copilot?
| Bank | What | Status |
|---|---|---|
| Goldman Sachs | GitHub Copilot coding assistants given to the firm's 12,000 developers starting in 2024; internal guidance updated in October 2026 limited Microsoft's GitHub to engineers after months in which bankers could also use it, per Bloomberg News reporting published November 2, 2026.[12][27][28] | In production |
| TD Bank (U.S.) | 1,800 developers enabled with GitHub Copilot, with technology-capacity improvements of 30% to 40% depending on adoption.[13] | In production |
| Citizens Financial Group | GitHub Copilot's coding agent rolled out to about half the bank's software developers, 800 people.[14] | In production |
| Regions Financial | GitHub Copilot deployed to about 80% of developers, with an approximately 30% lift in code development, per the CFO.[15] | In production |
| Northern Trust | GitHub Copilot for coding named by the CFO among current AI applications.[16] | In production |
| Fifth Third Bancorp | About 450 engineers on GitHub Copilot by December 2024, per the CIO.[19] | In production |
| CIBC Bank USA | More than 1,700 developers on GitHub Copilot by January 2026, per a Microsoft case study; an August 2026 investor deck cites 4,000-plus developers with AI capabilities.[20] | In production |
| American Express | 9,000 engineers use GitHub Copilot, per CTO Hilary Packer (April 2025); AI-assisted development tools now cover more than 11,000 engineers.[21] | In production |
| Deutsche Bank (U.S.) | GitHub Copilot and Google Gemini Code Assist used by more than 15,000 developers group-wide, with reported savings moving from 1.5-2.5 hours a week toward 'material 10x gains' on specific tasks.[22][23] | In production |
| U.S. Bancorp | Chief AI Officer Prashant Mehrotra says engineers started on GitHub Copilot and have since moved to a wider set of tools including Cognition and Claude Code.[24] | In production |
| BNY (Bank of New York Mellon) | BNY's in-house Eliza AI platform incorporates GitHub Copilot alongside Microsoft 365 Copilot, Azure and Foundry; Eliza resolves client settlement inquiries 80% faster and onboards new customers 20% quicker, per a Microsoft customer story.[25] | In production |
Among the 120 largest US banks on this site, from sources that name the bank: the bank, GitHub Copilot or the press. Status is the furthest stage a source confirms.
What is GitHub Copilot Business and Enterprise?
Organisation plans with licence and policy management and IP indemnity; Enterprise adds GitHub.com chat and indexing of the organisation's codebase. GitHub says it does not use Business or Enterprise data to train its models.[2][1]
What has GitHub Copilot done, and when?
- Nov 2, 2026
Bloomberg reports Goldman Sachs limited GitHub coding tools to engineers[27][28]
Bloomberg News reported on November 2, 2026 that internal guidance updated in October limits Microsoft's GitHub and Anthropic's Claude Code to engineers after months in which bankers could use them; most bankers and traders lost access, with an exemption for 'strats'. A Goldman spokesperson said the firm makes AI tools available to find the best use cases and, after a period of experimentation assessing productivity and risk management, puts them 'in the hands of those who are best suited to leverage them for the long term'.
- Nov 1, 2026
Microsoft details BNY's Eliza platform again[25]
A new Microsoft customer story said BNY's Eliza incorporates GitHub Copilot alongside Microsoft 365 Copilot, Azure and Foundry, with client settlement inquiries resolved 80% faster and customer onboarding 20% quicker.
- Oct 28, 2026
GitHub Enterprise bundles Copilot access[26]
At GitHub Universe 2026, GitHub said enterprises working with a GitHub or Microsoft account team can get Copilot included with GitHub Enterprise Cloud for every licensed user at a $0 seat charge, metering all usage from the first request against the enterprise's AI budget instead of a pooled credit allowance; users without a GitHub Enterprise licence get the same access through Copilot Standalone at $10 per user per month. Copilot Business and Copilot Enterprise remain available to purchase.
- Oct 7, 2026
Claude Haiku 5.5 added; local sandboxing generally available[17][18]
GitHub made Anthropic's Claude Haiku 5.5 generally available in Copilot (Pro, Pro+, Max, Business and Enterprise) and made local sandboxing, which restricts the filesystem, network and credential access of commands Copilot runs, generally available at no added cost.
- Sep 20, 2026
Regions: 80% of developers on Copilot[15]
Regions' CFO said Copilot is deployed to about 80% of developers with an approximately 30% lift in code development.
- Sep 17, 2026
TD: 1,800 developers on Copilot[13]
TD said it has enabled 1,800 developers with GitHub Copilot and seen technology-capacity gains of 30% to 40%.
- May 22, 2026
140,000 organisations[5]
GitHub said Copilot serves 140,000 organisations, nearly triple the number a year earlier.
- Apr 27, 2026
Move to usage-based billing announced[4]
GitHub said all Copilot plans would move to usage-based billing with AI credits on June 1, 2026, keeping base plan prices unchanged.
- Feb 26, 2026
Claude and Codex agents for Business customers[10]
Anthropic's Claude and OpenAI's Codex became available as coding agents for Copilot Business and Pro customers.
- Feb 11, 2026
Northern Trust names Copilot among AI uses[16]
Northern Trust's CFO listed GitHub Copilot for coding among the firm's current AI applications.
- Nov 20, 2025
Citizens extends the coding agent to 800 developers[14]
Citizens rolled out GitHub Copilot's coding agent to about half its software developers.
- Oct 15, 2025
More than 20 million developers[6]
GitHub said Copilot had more than 20 million developers across IDEs, the command line and pull requests.
- Sep 25, 2025
Coding agent generally available[9]
Copilot coding agent became generally available for all paid Copilot subscribers.
- Jul 25, 2025
Goldman's 12,000 developers on Copilot[12]
American Banker reported Goldman Sachs started giving its 12,000 developers GitHub Copilot coding assistants in 2024.
- Feb 27, 2024
Copilot Enterprise generally available[8]
GitHub made Copilot Enterprise, with GitHub.com chat grounded in an organisation's codebase, generally available.
- Jun 21, 2022
Copilot generally available[7]
GitHub made Copilot available to all developers, saying it would begin offering it to companies later that year.
- Jun 4, 2018
Microsoft agrees to acquire GitHub[11]
Microsoft announced it would acquire GitHub for $7.5 billion in Microsoft stock.
What do banks use GitHub Copilot for?
| Use | What it does | Status | Use case |
|---|---|---|---|
| Code completion and chat for developers[12][15][13][16] | Copilot for Goldman Sachs' 12,000 developers, about 80% of Regions' developers, TD's 1,800 developers and Northern Trust's engineers. | In production | AI-generated code & coding agents |
| Autonomous coding agents[14][10] | Citizens runs Copilot's coding agent for about 800 developers; Claude and Codex agents also run inside GitHub for Business customers. | In production | Generative & agentic AI |
| Usage-based cost control[2][4] | Since June 2026 admins set usage limits and decide whether paid overage is allowed; Copilot pauses when limits are reached. | In production | Third-party & vendor AI |
| Retention and training terms[2] | GitHub says Business and Enterprise data is not used for training, and IDE prompts and suggestions are not retained by default. | In production | Data & privacy |
What has GitHub Copilot disclosed in numbers?
| Metric | Value | As of |
|---|---|---|
| Organisations using Copilot (vendor-reported) | 140,000, nearly triple a year earlier[5] | May 22, 2026 |
| Developers using Copilot (vendor-reported) | More than 20 million[6] | Oct 15, 2025 |
| Goldman Sachs developers with Copilot (as reported) | 12,000[12] | Jul 25, 2025 |
| TD developers and capacity gain (bank-reported) | 1,800 developers; 30% to 40% technology-capacity improvement[13] | Sep 17, 2026 |
| Regions coding lift (bank-reported) | About 80% of developers; approximately 30% lift in code development[15] | Sep 20, 2026 |
“Copilot is not the same product it was a year ago.”[4]
Mario Rodriguez · Chief Product Officer, GitHub · Apr 27, 2026
Who runs GitHub Copilot?
Which rules apply to a bank using GitHub Copilot?
| Authority | Why it matters here | Documents |
|---|---|---|
| NY DFS | NY DFS's May 2026 guidance on frontier AI models frames AI cyber risks as Part 500 obligations, including human review of AI-generated code, which applies to code written by Copilot and its coding agents. | DFS Frontier AI Models Industry Letter (May 2026) 23 NYCRR Part 500 |
| NIST | NIST SP 800-218A adapts the Secure Software Development Framework to generative AI and gives banks a reference for controls over code produced with assistants such as Copilot. | NIST SP 800-218A (SSDF profile for generative AI) |
| OCC | Licensing Copilot sends source code context to a hosted service and, through Claude and Codex agents, to further model providers; the 2023 interagency guidance expects due diligence on that data flow. | OCC Bulletin 2023-17 FDIC FIL-29-2023 |
Linked authorities have a page in the Regulation tracker; the others are named for completeness.
What should a bank note before buying GitHub Copilot?
Analysis by BankingNewsAI from the sources cited on this page. Observations, not advice or a recommendation.
01
Seat price is no longer the whole cost
Since June 1, 2026, chat and agent usage consumes AI credits by token; the $19 and $39 seats include an allowance, and overage is $0.01 per credit if admins allow it.
02
Productivity figures are self-reported
The 30% to 40% capacity gain at TD and the roughly 30% coding lift at Regions come from executives' remarks, not independent measurement.
03
Agents bring more model providers into scope
Claude and Codex coding agents run inside GitHub for Business customers, which adds Anthropic and OpenAI to the data path when enabled.
04
Adoption is reported per developer population
Bank disclosures range from about 800 developers at Citizens to 12,000 at Goldman Sachs, usually as a share of engineering staff rather than seat counts under contract.
What are the alternatives to GitHub Copilot?
Microsoft 365 Copilot
AI assistant inside Word, Excel, Outlook and Teams, grounded in a firm's Microsoft 365 data, plus Copilot Studio for building agents.
ChatGPT Enterprise (OpenAI)
OpenAI's workplace ChatGPT with admin controls and no training on business data by default, plus API access to GPT models.
Claude (Anthropic)
Anthropic's Claude models and workplace plans (Team, Enterprise), sold direct and through AWS and Microsoft.
Gemini Enterprise (Google Cloud)
Google Cloud's workplace AI app and agent platform on Gemini models, connecting to Google Workspace, Microsoft 365 and business data.
Amazon Bedrock (AWS)
AWS service giving one API to foundation models from Amazon, Anthropic, OpenAI, Meta and others, plus AgentCore for running agents.
How much does GitHub Copilot cost a bank?
GitHub's documentation lists Copilot Business at $19 and Copilot Enterprise at $39 per granted seat per month (checked September 24, 2026). Each seat adds 1,900 or 3,900 GitHub AI Credits a month to a shared pool; usage beyond it costs $0.01 per credit if admins allow overage. Code completions remain unlimited on paid plans.
Which banks use GitHub Copilot?
Among the 100 banks we track, Goldman Sachs (12,000 developers), TD (1,800 developers, per its head of US banking), Citizens (coding agent for about 800 developers), Regions (about 80% of developers) and Northern Trust have said they use GitHub Copilot, each with a cited source on this page.
Who owns GitHub Copilot?
GitHub Copilot is a GitHub product. Microsoft (NASDAQ: MSFT) agreed to acquire GitHub for $7.5 billion in stock in June 2018, and GitHub's leadership page is headed by Jay Parikh, executive vice president of Microsoft's CoreAI organisation.
Does GitHub train on a bank's code?
GitHub says it does not use Copilot Business or Copilot Enterprise data to train its models. By default, prompts and suggestions from IDE chat and code completions are not retained for those plans, while user engagement data is kept for two years.
GitHub Copilot vs Microsoft 365 Copilot: what is the difference?
Both are Microsoft-owned, but GitHub Copilot is a coding assistant and agent for developers, priced at $19 or $39 per seat plus AI credits, while Microsoft 365 Copilot is an office assistant in Word, Excel, Outlook and Teams at $30 per user per month. Several banks, such as Northern Trust, use both.
- Plans for GitHub Copilot (undated page, retrieved 2026-09-24)
- GitHub Copilot · Plans & pricing (undated page, retrieved 2026-09-24)
- Leadership · GitHub (undated page, retrieved 2026-09-24)
- GitHub Copilot is moving to usage-based billing
- GitHub recognized as a Leader in the Gartner® Magic Quadrant™ for Enterprise AI Coding Agents for the third year in a row
- Copilot: Faster, smarter, and built for how you work now
- GitHub Copilot is generally available to all developers
- GitHub Copilot Enterprise is now generally available
- Copilot coding agent is now generally available
- Claude and Codex now available for Copilot Business & Pro users
- Microsoft to acquire GitHub for $7.5 billion
- Goldman Sachs staff now write a million gen AI prompts a month
- TD Bank Targets 100 U.S. Branches as AML Remediation Continues
- How Citi, Citizens, TD deploy AI agents without upsetting humans
- Regions Financial Eyes 150 New Branches as Deposit Strength Supports Growth
- Northern Trust Conference: NTRS Bets on ETFs, Alternatives, AI and Tokenization to Drive Growth
- Claude Haiku 5.5 in GitHub Copilot
- Local sandboxing for GitHub Copilot now generally available
- Why Fifth Third's CIO mostly buys rather than builds tech in the race to compete against banking giants
- Modern banking, reinvented: CIBC's blueprint for successful AI transformation
- How Amex uses AI to increase efficiency: 40% fewer IT escalations, 85% travel assistance boost
- Technology Transformation (undated page, retrieved 2026-10-14)
- How AI is reshaping the software behind everyday banking
- Beyond token-maxing: How U.S. Bank AI chief navigates costs
- Frontier Firm BNY resolves client inquires 80% faster with Microsoft AI powered Eliza
- GitHub Enterprise now includes access to GitHub Copilot
- Goldman Restricts Traders And Bankers From Using Some AI Tools
- Goldman Sachs Restricts AI Coding Tools to Engineers
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