Microsoft 365 features that help users manage their subscriptions, account settings, and billing information.
Since this is a brand-new personal phone and the issue occurs in every Microsoft app, the phone may be automatically passing a saved work/school identity into the Microsoft sign-in window, even though you are trying to use a personal account.
Please open Settings > Passwords, passkeys & accounts on the Motorola phone and check whether the same email address, or any unfamiliar work/school account, appears there. If it does, remove that account temporarily, restart the phone, and try signing in again.
When the Microsoft app suggests an account, do not select the suggested entry. Instead, choose Use another account and manually type the same personal Microsoft account address
Also, check your subscription in a browser under account.microsoft.com/services. If Microsoft 365 Personal appears there, the subscription and personal account are valid, and the problem is more likely related to the Android account-selection or authentication session rather than the license itself.
If the phone copied settings from an older device during setup, also check whether the Microsoft apps were restored automatically. Uninstall one affected app, restart the phone, reinstall it directly from the regular Google Play Store, and test it before reinstalling the other Microsoft apps.
If the error remains, please share the exact error message and any code beginning with AADSTS, while removing the email address, request ID, correlation ID, and other personal information. The specific code can help determine whether the app is selecting the wrong account type or sending the personal account to an organization-only sign-in endpoint.
Thank you and have a nice day