The formatting options for a multi-line text field in SharePoint Online are plain text, rich text and enhanced rich text. For some reason rich text isn't available when you first create a column.

Plain text is self explanitory, as is enhanced rich text, since additional formatting tools are made available with this option. I'm confused about what what the rich text option brings.

The options in the list settings suggest that rich text fits somewhere in between plain text and enhanced rich text, but it seems that text entered into a rich text field is saved in the database in plain text. The helpful Click for help about adding basic HTML formatting link that 's displayed below the input field doesn't work, however this help article suggests that users should be supplying their own HTML tags.

Is this correct?

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