Most companies now pay for at least one AI tool, and the bill keeps growing. Yet the pricing pages only show part of it: a seat price in US dollars. Dollar billing, FX markups, VAT and seats nobody uses all add to what you really pay. Below we show what ChatGPT Business, Claude Team, Cursor and other AI tools cost a company of your size – and how to cut the extras, including by paying for them on one card that gives something back.
In short: ChatGPT Business and Claude Team both cost $25 per user per month billed monthly, or $20 billed annually – roughly €18 at today’s exchange rate, before VAT. Premium seats for heavy users cost $100 to $125 on both. Cursor’s team seats start at $30 per user per month, with third-party models such as Claude or GPT billed on top. All three bill in US dollars, so a card with an FX markup quietly adds to every renewal.
What does that mean for your company? Here is what three typical set-ups cost per month and per year, based on example seat mixes at list prices:
| Team size | Example seat mix (annual billing) | Per month | Per year | Per employee / month | Back with the amnis Subscription Card (up to 1% on qualifying AI spend, per year) |
|---|---|---|---|---|---|
| 50 people | 30 ChatGPT Business, 10 Claude Team, 5 Cursor (Standard seats) | $950 | $11,400 | $19 | up to $114 |
| 130 people | 80 ChatGPT Business, 35 Claude Team (5 Premium), 15 Cursor | $3,150 | $37,800 | $24 | up to $378 |
| 500 people | 320 ChatGPT Business (20 Premium), 130 Claude Team (10 Premium), 40 Cursor | $12,600 | $151,200 | $25 | up to $1,512 |
Illustrative seat mixes, not benchmarks. ChatGPT Business and Claude Team at annual prices, Cursor at the $30 entry seat without extra model usage; excluding VAT. Cashback assumes all spend is qualifying AI spend on the amnis Subscription Card at the maximum rate, subject to the programme terms and the annual cap.
| Plan | Billed monthly | Billed annually (per month) | Annual price in EUR* | Seats |
|---|---|---|---|---|
| ChatGPT Business – Standard | $25 | $20 | ≈ €18 | From 2 |
| ChatGPT Business – Premium | $125 | $100 | ≈ €89 | From 2, mix with Standard |
| Claude Team – Standard | $25 | $20 | ≈ €18 | 2 to 150 |
| Claude Team – Premium | $125 | $100 | ≈ €89 | 2 to 150, mix with Standard |
| Cursor Teams | $30 / $100 / $200 | Not listed | ≈ €27 (entry seat, monthly) | Per seat; third-party models extra |
| ChatGPT Enterprise | Custom | Custom | On request | Contract via sales |
| Claude Enterprise | – | $20 per seat + usage at API rates | ≈ €18 + usage | From 20 |
List prices per user per month in US dollars, excluding VAT, as published by OpenAI, Anthropic and Cursor on 26 October 2026. *Converted at the ECB reference rate of 23 October 2026 (1 EUR = 1.1193 USD) for orientation – what you actually pay in euros depends on how your card converts the payment.
ChatGPT Business (formerly ChatGPT Team) costs $25 per user per month on monthly billing and $20 per user per month on annual billing. That is about €22 or €18 per user at the current rate. A workspace needs at least two users, according to OpenAI’s business pricing page.
Since August 2026, OpenAI also sells Premium seats in ChatGPT Business: $125 per user per month, or $100 billed annually, for five times the usage of a Standard seat. You can mix both in one workspace – Premium for the few people who live in ChatGPT all day, Standard for everyone else.
Two details matter for finance. Self-serve Business workspaces can only be paid by card: bank transfer, purchase orders and net terms aren’t available. And seats you add are charged straight away on a prorated basis, while seats you remove only drop off at the next billing cycle – so the bill can rise mid-month but never falls mid-month.
Claude Team pricing mirrors ChatGPT Business: a Standard seat costs $25 per month billed monthly or $20 billed annually, and a Premium seat costs $125 monthly or $100 annually, per Anthropic’s pricing page. The plan is built for teams of 2 to 150 people, and Anthropic notes that its prices exclude applicable tax.
As with ChatGPT, adding members or upgrading a seat is charged immediately and prorated; removing a member doesn’t trigger a refund – the seat simply stays available for someone else until renewal.
Claude Team plans now also include monthly API credits: $20 per Standard seat and $100 per Premium seat, pooled into one balance and capped at $500 a month, according to Anthropic’s help centre. An owner claims them once the plan has been active for seven days. The seat price stays the same – but if your team also uses the Claude API, the credits cover part of that bill.
On list price, neither. Both charge the same per seat, on both billing cycles, for both seat types. For a 50-person company with everyone on annual Standard seats, either plan comes to $1,000 a month, or $12,000 a year before VAT.
The real cost difference comes from three places:
Cursor changed its pricing in October 2026. New team seats now cost $30, $100 or $200 per user per month, each with its own weekly usage pool for Cursor’s in-house models, according to Cursor’s team pricing documentation. Teams created earlier can stay on the previous Standard ($40) and Premium ($120) seats for now.
The bigger change for budgets: third-party models such as Claude or GPT are no longer covered by the seat. They’re billed at API list prices from a prepaid balance shared by the team, plus a small Cursor token fee. For developer teams that rely on those models, the seat price is now the minimum, not the total.
Once you outgrow Claude Team’s 150-seat limit, or need contracts, invoicing and stricter admin controls, both providers move you to Enterprise:
Enterprise contracts are also the main way to get paid by invoice rather than by card. Below that level, AI tools are a card expense.
ChatGPT, Claude and Cursor are rarely the whole bill. Most teams add specialised tools for search, writing, translation, voice, images or automation – and many of them don’t charge per seat at all, but by credits, usage or a flat plan. Here is what the entry business plans of other common AI tools cost:
| Tool | Used for | Entry business plan | Price | How it bills |
|---|---|---|---|---|
| Perplexity | AI search and research | Enterprise Pro | $40 per seat per month, or $400 per year | Per seat |
| Mistral (Le Chat) | AI assistant | Team | $24.99 per user per month | Per seat |
| DeepL | Translation | Team | €24.99 per user per month, billed annually | Per seat, from 2 users |
| ElevenLabs | AI voice and audio | Scale | $299 per month, including 3 seats | Flat plan with monthly credits |
| Midjourney | Image generation | Pro (required for companies with more than $1M revenue) | $60 per month, or $48 billed annually | Per subscriber |
| Lovable | AI app building | Pro / Business | From $25 per month (Pro) or $50 per month (Business) | Credits, unlimited members |
| Replit | AI coding | Pro (teams up to 15 builders) | $100 per month, or $90 billed annually | Plan with included credits |
| Make | Workflow automation | Teams | From $29 per month | Credits per organisation |
| Mutiny | AI website personalisation | Business | From $50 per month; Enterprise from $40,000 per year | Credits |
| Lokalise | Localisation | Explorer | $149 per month | Flat plan, seats scale with tier |
| OpenRouter | Access to many AI models via one API | Pay as you go | No subscription; a platform fee applies on credits | Usage |
Entry business or team plans as published on each provider’s pricing page on 26 October 2026, excluding VAT; prices shown in the currency the provider displays and subject to change. The tools named here are examples only and are not partners or sponsors of the amnis cashback programme.
All of these tools – together with ChatGPT, Claude and Cursor – currently count as qualifying AI spend for the amnis Subscription Card. See the full list of qualifying AI tools; it can change.
The seat price is only the starting point. These are the items that make the real bill higher for a European business:
All three providers list their business prices in US dollars. If your company card is in euros, every renewal is converted – and many cards add an FX markup or foreign transaction fee on top of the exchange rate, usually without showing it as a separate line. We explain how these hidden foreign transaction fees add up in a separate guide.
List prices exclude VAT. In the EU, businesses can usually enter their VAT ID at checkout; the provider then doesn’t charge VAT and the business accounts for it under the reverse-charge mechanism. Check the treatment for your company with your tax adviser.
Seats are easy to add and slow to remove – especially on annual plans, where added seats stay committed until the end of the term. Add a few personal subscriptions paid on employee cards and expensed later, and finance often doesn’t know the full AI bill at all.
Claude Enterprise and Cursor’s third-party models charge for usage at API rates. That makes part of the bill variable – useful for flexibility, but harder to forecast.
According to the Ramp AI Index, 55.9% of US businesses on Ramp paid for AI tools in September 2026; 43.8% paid Anthropic and 40.6% paid OpenAI. Per-employee spend varies enormously: the median firm spent around $11–12 per employee per month in mid-2026, while the top 1% of firms spent $9,568 per employee per month in September.
European businesses are catching up fast. AI spend on amnis cards grew 24x in 18 months, and over a third of amnis card customers now pay for at least one AI tool every month (amnis card data, April 2025–September 2026).
AI tools are now a budget line of their own: easy to start, hard to see in full and billed in a currency most European companies don’t earn in. The amnis Subscription Card is built for exactly this category.
The amnis Subscription Card is a virtual debit Mastercard for businesses with an amnis account in the European Economic Area. Read how it works in our release article or see all details of the amnis Subscription Card.
The cashback programme is governed by the Benefits Addendum to the card terms; exclusions apply. This card is issued by AMNIS Europe AG pursuant to license by Mastercard International Incorporated.
ChatGPT Business costs $25 per user per month on monthly billing and $20 on annual billing – about €22 and €18 at the ECB rate of 23 October 2026, before VAT. OpenAI bills in US dollars, so the euro amount depends on how your card converts the payment.
Sources: OpenAI – ChatGPT Business pricing; Anthropic – Claude plans and pricing; Cursor – team pricing; each provider’s official pricing page for the other tools; Ramp AI Index, October 2026. Prices checked on 26 October 2026 and subject to change by the providers.
Up to 1% back on qualifying AI spend with the amnis Subscription Card – one virtual business card for all your team’s AI subscriptions (cashback up to €10,000 a year).
