I have a free OneDrive account which occurs as OneDrive Basic in my Excel app on my iPad. I see my folders and files there.
However, when I start Word app on my iPad I do not see my files. It took me some time to notice that Word connects to OneDrive Personal and Excel is connected to OneDrive Basic.
I do not have a OneDrive Personal subscription, so I can understand I do not see any files there.
Now: how can I tell the Word app to use my Basic account and not the Personal account for OneDrive? I tried logging out, even tried deleting the app and reinstall, and also the Reset function for Word. Nothing helped, I still connect to OneDrive Personal.
When starting from OneDrive and then launching Word seems to work. Why not when I just start Word?