OneDrive personal vs OneDrive for Business, what's the difference?

small one: Personal Vault, the locked folder that needs a second check to open, is only on personal OneDrive. business accounts don't have it. so if that's what you're after for passport scans and the like, it has to be the personal one.

It comes down to who owns the account. Personal is tied to your own Microsoft account (outlook, hotmail, live). You control it, you pay for any extra storage, and nobody else can see or delete what's in there. Business comes with a work or school account. The organisation owns it, so their IT admin decides how much storage you get, whether you can share files outside the company, and what happens to everything when you leave. Usually it gets wiped or handed to your manager, so don't keep personal stuff on it. You can run both on the same PC, they just show up as two separate folders in File Explorer.