Where to find your payment settings in Spotify
To change how Spotify charges you, go to your account page on a web browser — the mobile app does not have a payment settings option. Visit www.spotify.com, sign in with your username and password, and look for your profile icon in the top right corner. Click it and select Account from the dropdown menu.
Once you are on your account page, scroll down the left sidebar until you see Billing. Click that section and you will see your current payment method listed under "Payment methods". This is where you add a new card, remove an old one, or switch between payment sources.
Key Takeaways
- You must use a web browser to change your payment method — the Spotify mobile app does not have this option.
- Go to Account > Billing on spotify.com to see and edit your current payment method.
- Spotify accepts credit cards, debit cards, PayPal, and gift cards depending on your country.
- You can add a new payment method without removing the old one, then set which one Spotify charges first.
- Changes take effect when ready, and Spotify will charge your new method on your next billing date.
Adding a new credit or debit card
On the Billing page, click the button that says Add a payment method or Add card. A form will appear asking for your card number, expiration date, and the three-digit security code on the back. Enter your billing address zip code as well — Spotify uses this to verify the card belongs to you.
After you fill in all fields, click Add card at the bottom of the form. Spotify will process the information and add it to your account within seconds. If the card is declined, check that the number, expiration date, and zip code are correct. Some banks block the first charge from a new service — if that happens, contact your bank and ask them to allow Spotify, then try adding the card again.
Switching which card Spotify charges
If you have more than one payment method saved, you can choose which one Spotify uses. On the Billing page, look at your list of payment methods. Next to each one, you will see a radio button or checkbox. Click the button next to the card you want Spotify to charge going forward.
Spotify will use this method on your next billing date. If you want to remove an old card entirely, click the trash icon or Remove button next to it. You cannot remove the card that is currently set as your primary payment method — you must switch to a different card first, then delete the old one.
Using PayPal or gift cards instead
Spotify also accepts PayPal in most countries. To add PayPal, click Add a payment method on the Billing page and select PayPal from the list of options. You will be taken to PayPal's website to log in and confirm that Spotify can charge your PayPal account. Once you confirm, you will return to Spotify and PayPal will appear in your payment methods list.
If you want to use a Spotify gift card instead, you do not add it as a payment method — you redeem it to add credit to your account balance. Go to the Billing page and look for Redeem a code. Enter the gift card code and the amount will be added to your account. Spotify will charge your account balance first before using any saved payment method.
What happens when your card expires or is declined
If the card Spotify has on file expires or the charge is declined, Spotify will try the payment again a few days later. If it fails a second time, your Premium subscription will pause. You will not lose your account or playlists — they stay saved — but you will not be able to play music until the payment goes through.
To fix this, update your payment method on the Billing page with a valid card or PayPal account. Once Spotify successfully charges the new method, your subscription will restart when ready. You will not be charged twice or lose any of your subscription time.
Updating your billing address
Your billing address is tied to your payment method, not your account as a whole. If you move or need to change the address on file, go to the Billing page and click on the payment method you want to update. Look for an Edit button or pencil icon and click it to change the zip code or full address.
Some payment methods, like PayPal, pull the address directly from your PayPal account. If you change your address there, Spotify will see the update automatically. For credit and debit cards, you may need to edit the address in Spotify manually.
Troubleshooting payment method problems
If you see an error message when trying to add a card, first check that you entered every field correctly — even a single wrong digit will cause the form to reject it. Make sure the expiration date is written as month/year (for example, 03/26) and that you included the three-digit security code from the back of the card.
If the form still will not accept your card, your bank may be blocking the charge. Call your bank's customer service number on the back of your card and tell them you are trying to set up a recurring charge with Spotify. Ask them to remove any block on Spotify's merchant code. Once they do, return to Spotify and try adding the card again. If you continue to have trouble, try a different card or switch to PayPal.
Frequently Asked Questions
Can I change my payment method on the Spotify app?
No. The Spotify mobile app does not have payment settings. You must use a web browser and go to spotify.com, sign in, click your profile icon, select Account, then go to Billing. From there you can add, remove, or change your payment method.
Will Spotify charge me twice if I switch payment methods?
No. Spotify charges you once per billing cycle on the date your subscription renews. If you change your payment method before that date, Spotify will straightforward charge the new method instead of the old one when the billing date arrives.
What if I want to use a different payment method for just one month?
Add the temporary payment method to your account, set it as your primary method, and let Spotify charge it on your next billing date. Then switch back to your regular payment method before the following billing date. Spotify will charge whichever method is set as primary when your renewal date arrives.
Can I remove all my payment methods and just use gift cards?
Yes. Redeem gift cards on your Billing page under "Redeem a code" to add credit to your account. Once you have a balance, you can remove all saved payment methods. Spotify will charge your account balance first, and if the balance runs out, your subscription will pause until you add more credit or a payment method.
Why does Spotify need my zip code when I add a card?
Spotify uses your zip code to verify that the card belongs to you and matches your billing address. This is a security check that helps prevent fraud. Make sure the zip code you enter matches the one on your bank statement for that card.