Where to find the payment method settings

Open Spotify on the device you use most — phone, tablet, or computer. The steps are slightly different depending on which one, but the payment settings live in the same place: your account menu.

On a phone or tablet, tap the Home icon at the bottom, then tap your profile picture in the top right corner. On a computer, click the down arrow next to your profile picture in the top right. Select "Account" from the menu that appears. You will land on your account overview page in a web browser, even if you started in the app.

Look for a section called "Billing and payments" or sometimes just "Billing". This is where Spotify stores your payment method. You may need to scroll down to find it.

Key Takeaways

  • Your payment method settings are in Account, then Billing and payments — the same location whether you use the app or a web browser.
  • You can add a new card before removing the old one, so your subscription never interrupts.
  • Spotify accepts Visa, Mastercard, American Express, and Discover, plus PayPal and debit cards that carry one of those logos.
  • If your card is declined when Spotify tries to charge it, the service will pause after a grace period, but you can update the payment method to restart it when ready.

Adding a new card to your account

In the Billing and payments section, you will see a button or link that says "Add payment method" or "Add card". Click it. Spotify will ask for the card number, expiration date, and the three-digit security code on the back.

Enter the information exactly as it appears on the card. If the card is registered to a different name or address than your Spotify account, Spotify may ask you to confirm that. Once you submit the information, Spotify checks with your bank to make sure the card is valid — this usually takes a few seconds.

After the new card is added, it appears in your list of payment methods. You can now set it as your primary card, or leave it as a backup while you remove the old one.

Removing your old card

In the same Billing and payments section, find the card you no longer want to use. Next to it, you will see a delete button, a trash icon, or a "Remove" link — the exact label depends on whether you are on a phone or computer.

Click or tap it. Spotify will ask you to confirm that you want to remove the card. Once you confirm, the card is deleted from your account when ready. Spotify will charge your remaining payment method on your next billing date.

If you remove your only payment method by accident, Spotify will ask you to add a new one the next time it tries to charge you. Your subscription will not be cancelled, but it will pause until you add a valid card.

What happens if your new card is declined

If Spotify tries to charge your new card and the bank declines it, you will receive an email from Spotify within a day or two. The email will explain why the charge failed — usually because the card number, expiration date, or security code was entered incorrectly, or because your bank flagged it as suspicious.

You have a grace period of several days to fix the problem. Log back into your account, go to Billing and payments, and either correct the card information or add a different card. Once a charge goes through, your subscription resumes when ready and you will not lose any time.

If you do not update your payment method during the grace period, Spotify will pause your account. You can restart it at any time by adding or correcting a payment method — there is no penalty, and your playlists and saved songs remain exactly as you left them.

Cards and payment methods Spotify accepts

Spotify takes Visa, Mastercard, American Express, and Discover credit cards. Debit cards work as long as they carry one of those four logos. PayPal is also accepted in most countries.

Some prepaid cards and virtual card numbers work, but not all — it depends on whether your bank or card issuer allows recurring charges. If you try to add a prepaid card and Spotify rejects it, contact your card issuer to ask whether they block subscription payments.

Spotify does not accept wire transfers, bank transfers, or cash. If you do not have a card or PayPal account, you can still use Spotify's free tier with ads, or ask someone else to add you to their Family plan.

Updating a card that is about to expire

If your card is expiring soon, you do not have to wait for Spotify to reject it. Add your new card now using the steps above, then set it as your primary payment method. After that, you can remove the old card whenever you like.

Some banks automatically send Spotify your new expiration date and security code when you renew a card, so Spotify may keep charging the old card number even after it expires. If that happens, Spotify will eventually get a decline notice and ask you to update your payment method. To avoid any interruption, add the new card and remove the old one as soon as you receive it.

Changing your payment method on a family plan

If you are the plan owner — the person who set up the Family plan and pays for it — you can change the payment method using the steps above. The change applies to everyone on the plan.

If you are a family member but not the plan owner, you cannot change the payment method yourself. Ask the plan owner to log into their account and make the change. You will not see a Billing and payments section in your own account settings.

Frequently Asked Questions

Can I use two cards at the same time?

You can add multiple cards to your account, but Spotify will only charge one at a time — whichever you set as your primary payment method. If that card is declined, Spotify will not automatically try a backup card. You have to manually update your payment method or add a new one.

Will changing my card affect my playlists or saved songs?

No. Your playlists, saved songs, listening history, and all other account data stay exactly the same. Changing your payment method only affects how Spotify charges you — nothing else on your account changes.

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

Once you add a card and Spotify verifies it, it is ready to use when ready. Your next charge will go to the new card on your regular billing date. If you need Spotify to charge the new card right away, you can manually trigger a charge in some cases by contacting Spotify support.

What if I want to pause my subscription instead of changing cards?

You can pause your Spotify subscription for up to three months without cancelling it. Your playlists and account stay active, but you will not be charged. To pause, go to Account, then Billing and payments, and look for a "Pause subscription" or "Manage subscription" option. When you are ready to resume, you can restart it from the same menu.

Can I change my payment method on the Spotify app?

The Spotify app on phones and tablets does not let you manage payment methods directly. You have to use a web browser or computer. Open Spotify on your phone, go to your profile menu, tap Account, and you will be taken to the web version where you can change your card.