Hello @Gegg-8342 ,
Thanks for sharing these details.
This issue seems to be related to how Office 365 implements security checks on Access database files rather than a problem with File.Copy itself.
When you copy base.bin to [newname].accdb, Windows attaches metadata to track that this file was renamed from a different extension. Office 365 sees this metadata and becomes suspicious—it thinks something fishy is going on. The error message about "requiring a newer version" is misleading; it's actually Access refusing to open the file for security reasons, not a version compatibility issue.
When you copy base.accdb to [newname].accdb instead, Windows recognizes this as a normal database file duplication. There's no suspicious extension change, so Office 365 opens it without complaint.
This behavior is a side effect of Microsoft's enhanced security features in newer Office versions. They're trying to prevent malware that disguises itself by using misleading file extensions. Your workaround of keeping the source file as .accdb is fine—there's no real benefit to naming it .bin, and modern Office security actively dislikes that pattern.
If you'd like to suggest an improvement to the user experience around this scenario, sending feedback through the Feedback Hub app would be a good way.