Where to find your payment settings on Spotify
You can change your credit card on Spotify through your account settings on any web browser or the Spotify app. The fastest route is the web version at spotify.com, where the payment section is easier to navigate than on mobile.
Log in to your Spotify account, then look for your username or profile icon in the top right corner. Click it and select "Account" from the dropdown menu. This takes you to your account overview page, where you'll see a "Billing" section on the left sidebar.
Key Takeaways
- Go to Account > Billing on the Spotify website to reach your payment method settings.
- Click "Change payment method" or the edit icon next to your current card to add a new one.
- Spotify accepts major credit cards, debit cards, and PayPal as payment methods.
- Your new card will be charged on your next billing date, which you can see in the Billing section.
- If your card is declined, Spotify will pause your subscription and send you an email with instructions to update it.
Steps to add a new credit card
Click on "Billing" in the left sidebar of your account page. You'll see your current payment method listed under "Payment method." Next to it, you should see an edit icon (usually a pencil) or a "Change payment method" button — click either one.
A form will appear asking for your new card details: the 16-digit card number, expiration date, CVV (the three-digit security code on the back), and the cardholder's name and billing address. Fill in all fields exactly as they appear on your card. Make sure the billing address matches what your bank has on file, because Spotify's payment processor checks this to prevent fraud.
After you enter the information, click "Save" or "Update." Spotify will process the change when ready. Your new card will be charged on your next billing date — you can see when that is in the same Billing section, listed as "Next billing date."
What happens to your old card
Once you save a new card, Spotify stops using the old one. You don't need to delete it manually — it's straightforward replaced. If you had a subscription active on the old card, it continues on the new one without interruption.
If you're switching cards because the old one is expiring or was compromised, there's no gap in your service. Spotify doesn't charge you again when ready after you update; it waits until your regular billing date.
Fixing a declined card
If Spotify tries to charge your card and it's declined, you'll receive an email from Spotify saying your payment failed. Your subscription will pause — you won't lose your playlists or account, but you won't be able to stream music until the payment goes through.
The email will include a link to update your payment method. Click it, enter a new card or fix the information on the existing one, and save. Spotify will attempt to charge the new card within a few hours. Once the charge succeeds, your subscription resumes when ready.
Payment methods Spotify accepts
Spotify takes all major credit cards: Visa, Mastercard, American Express, and Discover. You can also use a debit card with a Visa or Mastercard logo. If you prefer not to use a card, Spotify accepts PayPal — select that option from the payment method dropdown instead of entering card details.
Some regions also offer payment through local methods like iDEAL (Netherlands), Przelewy24 (Poland), or carrier billing through your phone company. The available methods depend on your country and your mobile carrier if you're using the app.
Updating payment on the Spotify app
You can change your card on the mobile app, though the process is slightly different. Open Spotify, tap your profile icon at the bottom right, then tap "Settings and privacy." Scroll down to "Billing" and tap "Payment method."
On iPhone, you may be directed to your Apple ID payment settings instead of Spotify's own form, because the app uses Apple's payment system. On Android, you'll enter your card details directly into Spotify's form. Either way, the information you provide is encrypted and find.
Troubleshooting common problems
If you see an error message when you try to save a new card, check that all the information matches your bank's records exactly — the name, address, and card number must be perfect. Even a small typo in the street address can cause the payment processor to reject it.
If the form won't load at all, try a different web browser or clear your browser's cache and cookies, then log back in. If you're using the app and it keeps crashing, update Spotify to the latest version from your app store. If problems persist after trying these steps, you can contact Spotify Support through the Help section of your account page.
Frequently Asked Questions
Will changing my card cancel my subscription?
No. Changing your payment method does not cancel your subscription or affect your account in any way. Your subscription continues uninterrupted, and the new card will be charged on your next regular billing date.
Can I have more than one card on file?
Spotify only stores one active payment method at a time. If you add a new card, it replaces the old one. You cannot set up a backup card or alternate payment method.
What if I'm using a family plan?
Only the account owner (the person who created the family plan) can change the payment method. The card will be charged for the entire family plan, not individual members. Family members cannot update the payment method themselves.
How long does it take for the new card to be charged?
Spotify charges your new card on your next scheduled billing date, which is usually one month after your last charge. You can see the exact date in your Billing section. The charge typically posts to your account within one to three business days after that.
What if my new card is also declined?
Contact your bank to make sure the card is active and that Spotify's payment processor (which varies by region) isn't being blocked. Ask your bank if there are any fraud alerts on the card. Once your bank confirms the card is working, try updating it on Spotify again.