Hi @Sinead,
Thank you for reaching out to the Microsoft Q&A forum.
Based on your description, you have Microsoft 365 Personal and you can record meetings in Teams, yet the option to start a transcript is missing. I truly appreciate the steps you have already taken and the clear context you shared, which helps us guide you efficiently. Transcription in Teams is tied to work or school tenants where an administrator enables it through meeting policies. Consequently, consumer Personal or Family accounts do not expose the admin‑controlled transcription button inside Teams meetings. At the same time, recording is available to Personal and Family subscribers, which explains why you can record even when the transcript option does not appear.
Below are a few practical solutions that could best fit your current needs:
1/ Use live captions during the meeting
- During the meeting, select More actions then Language and speech then Show live captions.
- This provides real time on‑screen text for you, although it is not saved as a transcript.
- Reference: Microsoft Support: Use live captions in Teams meetings
2/ Create a transcript after the meeting with Transcribe in Word on the web
- First, download the Teams recording.
- Next, go to office.com, open Word for the web, choose Home then Dictate then Transcribe, and upload the recording to generate an editable transcript that you can review and save.
- Reference: Microsoft Support: Transcribe your recordings in Word
3/ Use a work or school account when you need transcription inside Teams
- If you have access to an organizational account, ask your IT admin to turn on Allow transcription in the Teams admin center under Meetings then Meeting policies.
- After that, in a meeting you can select More actions then Record and transcribe then Start transcription.
- References:
4/ Ask the organizer to start transcription when you join another organization’s meeting
- Only the organizer or a presenter in the organizer’s tenant can start transcription.
- Therefore, request that they start it and share the transcript with you after the meeting.
- Reference: Microsoft Support: I cannot transcribe a meeting
I hope this information is helpful. Please follow these steps and let me know if it works for you. If you have any updates regarding the issue, please feel free to share them with me.
Thank you for your patience and your understanding.
I look forward to continuing the conversation. Wishing you a smooth rest of your day.
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