Using Own API keys in Various IDEs

AI hype is so high these days, every one want best AI models for least cost. Though they don't cost much individually, when you add up cost for each subscription, it is coming to a substantial amount if you very active in AI world.

There fore, I was wondering what kind of support each main AI agent integrated IDE's provide for bringing in you own key (BYOK) - that is your own AI model API key.

Cursor IDE

Cursor allows to bring your own key as of now (Aug/2025). However there are some limitations. As per their website, "Custom API keys only work with standard chat models. Features requiring specialized models (like Tab Completion) will continue using Cursor’s built-in models."

They do support all major model providers (e.g. OpenAI, Google, Claude, Azure, Amazon)

Github Copilot

Github Copilot only support API keys for their organisational clients. You need to buy organisational membership to enable usage of your own API keys.

Here is the link.

Windsurf

Windsurf support BYOK, however, it only support claude models under BYOK settings.

Here is the link.