Change your card in the Account settings menu
Open Spotify on any device and go to your account settings. On the web, click your profile name in the top right, then select Account. On the mobile app, tap the gear icon at the top right. Look for a section called Billing or Payment methods — the exact name depends on whether you use the free or Premium version.
Click or tap Change payment method or Update payment info. You will see your current card listed with the last four digits. Enter your new card number, expiration date, and CVV (the three-digit code on the back). Save the changes. Spotify will charge your new card on your next billing date.
If you do not see a billing section, your account may be linked to a third-party service like Apple, Google Play, or Amazon. In that case, you change the card through that service instead, not through Spotify itself.
Key Takeaways
- Go to Account settings on the web or the gear icon on mobile, then find the Billing or Payment methods section.
- Click Change payment method and enter your new card details — Spotify will use the new card on your next billing date.
- If your account is linked to Apple, Google Play, or Amazon, change the card in that service's settings, not in Spotify.
- You can add a backup payment method so Spotify can retry a charge if your primary card declines.
Where to find billing settings on different devices
On a computer, log into Spotify.com, click your profile name in the top right corner, and select Account. Scroll down until you see Billing or Payment methods. The page layout is the same whether you use Windows or Mac.
On an iPhone or iPad, open the Spotify app, tap the gear icon at the top right, scroll down, and tap Billing or Payment methods. On Android, the steps are identical — gear icon, scroll, then tap the billing section.
On a tablet, the app layout may differ slightly, but the billing section is always in settings. If you cannot find it, try logging in through the web version on your tablet's browser instead — the web version is usually easier to navigate on a larger screen.
What happens when you update your card
Spotify does not charge your new card right away. Instead, the change takes effect on your next scheduled billing date. If you are on a monthly plan, that is one month from today. If you are on a three-month or annual plan, it is three months or one year from today.
You can check your next billing date in the same Billing section where you entered the new card. It will show the exact date Spotify will charge you. If you want to change your card before your next billing date for security reasons — for example, because your old card was compromised — the new card is ready to use when ready, even though you will not be charged until the scheduled date.
Removing your old card after you update
Once you have entered a new card, your old card remains on file as a backup. Spotify will try the new card first on your next billing date. If that charge fails, Spotify will attempt to charge the old card instead. This is useful if your new card has a temporary issue, but it also means you should delete the old card if it is expired or compromised.
To remove the old card, go back to the Billing section and look for a Remove or Delete button next to it. Click that button and confirm. After you remove it, Spotify will only have your new card on file. If the new card fails, Spotify will not have a backup to charge.
Changing your card if your account is linked to Apple, Google, or Amazon
If you signed up for Spotify through Apple Music, Google Play, or Amazon, your payment method is stored with that service, not with Spotify. When you go to your Spotify billing settings, you will see a message saying your subscription is managed by that third party.
To change your card, you must go to that service's settings instead. For Apple, open Settings on your iPhone or iPad, tap your name at the top, select Payment & Shipping, and update your card there. For Google Play, open the Play Store app, tap your profile icon, select Payments and subscriptions, then Payment methods. For Amazon, go to Amazon.com, click Account & Lists, select Your Account, then Login & security, and update your card in the Payment options section.
After you update your card in that service, the change applies to Spotify automatically. You do not need to do anything else in the Spotify app.
Troubleshooting a card that Spotify will not accept
If Spotify rejects your new card, the most common reason is that the information you entered does not match what your bank has on file. Double-check the cardholder name, card number, expiration date, and CVV. Even a single wrong digit will cause the card to be declined.
Another reason Spotify may reject a card is that your bank flagged the charge as suspicious. Call your bank and tell them you are updating your Spotify payment method. Ask them to approve charges from Spotify. Then try entering the card again in Spotify.
If Spotify still will not accept the card after you have checked the details and called your bank, try a different card if you have one. Some older cards or cards from smaller banks do not work with Spotify's payment system. If you only have one card and it keeps failing, contact Spotify Support through the Help section in your account settings.
Frequently Asked Questions
Will changing my card interrupt my Spotify service?
No. Your service continues without interruption. Spotify will charge your new card on your next scheduled billing date. Until then, your old card remains active as a backup in case the new one fails.
Can I have more than one card on file?
Spotify stores your current card and one backup card. You cannot add a third card. If you want to use a different card, you must remove the old one first, then add the new one.
What if I change my card but forget to remove the old one?
Spotify will charge your new card first on the next billing date. If that charge fails for any reason, Spotify will automatically try your old card. This is a safety feature, but you should delete the old card if it is expired or you no longer want it used.
How long does it take for a card change to go into effect?
The change is when ready — your new card is active as soon as you save it. However, Spotify will not charge it until your next scheduled billing date. You can see that date in your Billing section.
Can I change my card on the Spotify app without going to the website?
Yes. On both iPhone and Android, open the app, tap the gear icon, find the Billing section, and enter your new card details. The mobile app has the same payment update feature as the website.