What Microsoft actually does when you cancel

Microsoft's published policy for Microsoft 365 cancellation is clear in outline but requires careful reading. When you cancel or let a Microsoft 365 subscription lapse:

• Your account transitions to the free OneDrive tier (5GB storage)
• Files exceeding 5GB become read-only — you can view and download but not upload new files
• After 90 days of inactivity, your OneDrive account may be deleted
• Microsoft support can restore a closed account within 30 days of deletion
• After 30 days post-deletion, files are unrecoverable

The read-only trap

The most common unexpected outcome for cancelling users is the read-only state. You think you still have access to your OneDrive. You can browse your files. You can download them. But you cannot upload anything new because you are over the 5GB free limit.

This state can persist indefinitely if you do not reduce your storage below 5GB. Many users discover they have 50GB, 100GB, or more stored in OneDrive accumulated over years of Microsoft 365 use — far more than the free tier allows.

Before you cancel: what you must do

What happens to shared files and shared links

When you cancel Microsoft 365:

• Any OneDrive sharing links you created will stop working if your account is deleted
• Shared folders where others have edit access: they lose access when your account closes
• Shared Links (view-only): may become inaccessible depending on how Microsoft handles the account
• SharePoint sites connected to your Microsoft 365 account are also affected

This is a commonly overlooked consequence. If you use OneDrive to share client files or collaborate with colleagues, cancelling means those shared resources become inaccessible. Migrate and notify collaborators before you cancel.

What if you already cancelled?

If you have already cancelled and are reading this:

• Within 30 days of cancellation: Your files still exist. Contact Microsoft support immediately to reactivate your account. You have a grace period before files are deleted.
• 30–90 days after cancellation: Your account may still be recoverable through Microsoft support. Act immediately.
• After 90 days: Your account and files are likely deleted. Unless you have local copies, the files may be unrecoverable.

The alternative: migrate before you cancel

The most reliable approach to cancelling Microsoft 365 is to migrate your files first, then cancel. With fii.one:

• Upload directly to fii.one — no storage ceiling, no subscription-dependent limits
• Your storage allocation does not change based on whether you pay monthly or yearly
• Zero-knowledge encryption means your files are private by default
• Sharing links work independently of any subscription status

Compare: fii.one vs OneDrive.

Frequently asked questions