Hi there,
I’m Cherrelyn, and I’m here to help.
Since you're seeing Copilot in the web apps but not in the Office desktop apps, the issue is likely tied to the active account in your desktop Office environment. Even though both accounts are signed in, only one can be "active," and Copilot requires the Microsoft 365 Copilot license to be active under that profile. To fix this, try setting your client account (with the Copilot license) as the active account in Word/Excel desktop. Go to File > Account and switch the active user if needed. You may also need to sign out of your company account temporarily to allow the Copilot features to appear.
I hope this helps, and if you have any questions, feel free to reply to this post.
Warm regards,
Cherrelyn