Change your payment method in Spotify's account settings

Open Spotify on any device and go to your account settings. Select Billing or Payment methods — the exact name depends on whether you're on a phone, computer, or web browser. You'll see your current payment method listed. Click or tap Change or Update next to it, then enter your new card details, PayPal account, or other payment option. Spotify will save the change when ready, and your next billing cycle will charge the new method.

If you're on a phone, the process is the same but the menu layout differs slightly between iOS and Android. On iOS, go to Settings > Account > Billing. On Android, tap the menu icon (three horizontal lines) and navigate to Settings > Account > Billing. The steps are otherwise identical.

Key Takeaways

  • You can change your payment method anytime through your account settings without canceling your subscription.
  • Spotify accepts credit cards, debit cards, PayPal, and in some regions gift cards or local payment methods.
  • The change takes effect on your next billing date, not when ready.
  • If your new payment method fails on billing day, Spotify will try again for several days before pausing your account.

Where to find your payment method across devices

The location of your billing settings varies slightly by device, but the process is the same everywhere. On a computer or laptop, log into Spotify's website, click your profile name in the top right corner, and select Account. Then click Billing in the left sidebar. On a phone, open the Spotify app, tap the gear icon (Settings), scroll down to Account, and select Billing.

If you signed up through Apple's App Store or Google Play, your payment method may be managed through that platform instead of Spotify directly. In that case, you'll need to change the payment method in your Apple ID settings or Google Play account, not in Spotify. Spotify will tell you which system manages your billing when you open the Billing page.

What payment methods Spotify accepts

Spotify takes Visa, Mastercard, American Express, and Discover credit and debit cards in most countries. PayPal is also widely supported. Some regions offer additional options: in certain European countries, you can pay by direct bank transfer (SEPA); in others, local payment methods like iDEAL or Przelewy24 are available. Spotify gift cards work in most countries as well, though they renew your subscription rather than serve as an ongoing payment method.

When you enter a new card, Spotify may place a small temporary charge (usually under $1) to verify the card is real. This charge is reversed within a few days and does not count toward your subscription. If you're switching from one card to another, both will appear in your billing history until the old one expires or you remove it.

What happens if your new payment method fails

If Spotify tries to charge your new payment method on billing day and it declines, the service doesn't stop when ready. Spotify will attempt the charge again over the next few days. If all attempts fail, your account will pause, and you'll see a message asking you to update your payment information. You can still listen to music on a paused account, but you'll hear ads and lose access to offline downloads and other Premium features.

Once you add a working payment method, your Premium access returns within a few hours. You won't lose your playlists, saved songs, or listening history. If your account stays paused for more than a few weeks, Spotify may cancel your subscription, but you can reactivate it anytime by updating your payment method.

Removing an old payment method

If you want to delete a payment method you're no longer using, go to your Billing settings and look for the option to remove or delete it. You can only remove a card if it's not your current active payment method — Spotify always needs at least one valid payment option on file. If you want to remove your only card, you must first add a new one and set it as active.

Removing a payment method does not affect your subscription or billing cycle. It straightforward deletes the card from your account so Spotify can't charge it in the future. This is useful if you've closed a credit card account or want to stop using a particular payment source.

Changing payment method if you subscribed through a third party

If you signed up for Spotify through Apple, Google, Amazon, or another platform, your payment method is tied to that account, not to Spotify directly. To change it, you'll need to go into that platform's settings instead. For Apple, open Settings > [Your Name] > Subscriptions and select Spotify. For Google Play, open the Play Store app, tap your profile icon, select Subscriptions, and choose Spotify. From there, you can update the payment method associated with your account.

Spotify itself won't show you a payment method to change if you subscribed this way. If you see a message saying your payment failed, the problem is in your Apple, Google, or Amazon account, not in Spotify. Fixing it there will restore your service.

Frequently Asked Questions

Will changing my payment method interrupt my subscription?

No. Your subscription continues without interruption. The new payment method takes effect on your next billing date, which is the same date your subscription renews each month. You can change your payment method anytime without losing access to your music or playlists.

Can I use a prepaid card with Spotify?

Yes, most prepaid cards work with Spotify as long as they have a Visa, Mastercard, or American Express logo. Make sure the card has enough balance to cover your subscription cost. If the card declines on billing day because it's empty, your account will pause until you add a working payment method.

What if I don't see a Billing option in my settings?

If you subscribed through Apple, Google, or Amazon, Spotify won't show a Billing section in its own settings. You'll need to change your payment method in that platform's account settings instead. Spotify will display a message telling you where to manage your subscription when you look for billing options.

How long does it take for a new payment method to start working?

The change is when ready. Once you save your new payment method in Spotify's settings, it becomes your active method right away. However, Spotify won't charge it until your next scheduled billing date, which is typically one month after your last payment.

Can I have multiple payment methods on file?

Spotify lets you store multiple cards or payment options, but only one can be active at a time. You can switch between them anytime by going to Billing and selecting which one you want to use for future charges. The active method is the one Spotify will charge on your next billing date.