Change your Spotify payment method in settings

To change how Spotify charges you, go to your account settings, find the payment section, and add or swap your card or PayPal account. The process takes about two minutes on any device — phone, tablet, or computer. Spotify stops using the old payment method when ready once you confirm the new one.

You do not need to cancel your subscription or create a new account. Your playlists, saved songs, and listening history stay exactly as they are. The change affects only the card or account Spotify pulls money from each month.

Key Takeaways

  • Log into your Spotify account on any web browser, then click your profile name in the top right and select "Account" to reach your payment settings.
  • Spotify accepts Visa, Mastercard, American Express, Discover, and PayPal, plus regional payment methods depending on your country.
  • You can add a new payment method without removing the old one first, then set it as your primary payment source.
  • If your current payment method fails, Spotify will try the backup method you have on file before pausing your subscription.
  • Changes take effect when ready, so your next billing date will charge the new card or account you selected.

Steps to change payment on a web browser

Open Spotify in any web browser and log in with your username and password. Click your profile name in the top right corner — it appears as a circle with your name or initials. A dropdown menu will show. Select "Account" from that menu.

On the Account page, look for the section labeled "Billing" or "Payment methods" on the left side. Click it. You will see your current payment method listed. Click "Change payment method" or the pencil icon next to your card details. A form will open where you can enter a new card number, expiration date, and CVV, or you can select PayPal instead.

Enter your new payment information and click "Update" or "Save". Spotify will confirm the change with a message on screen. Your subscription will now charge to this new method on your next billing date.

Steps to change payment on the Spotify app

Open the Spotify app on your phone or tablet and tap the gear icon (settings) in the top right corner. Scroll down and tap "Account". You may be asked to log in again for security.

Tap "Payment methods" or "Billing". Your current payment method will be listed. Tap "Change payment method" or the edit button. You can then enter a new card or switch to PayPal. Some phones will let you use Apple Pay or Google Pay as well, depending on your device and country.

After you enter the new information, tap "Save" or "Confirm". The app will show a confirmation message. The change takes effect right away.

What payment methods Spotify accepts

Spotify takes Visa, Mastercard, American Express, and Discover cards in most countries. You can also pay with PayPal. If you have a Spotify gift card, you can redeem it to add credit to your account, though this does not replace a regular payment method — your subscription will still need a card or PayPal on file.

Some countries have regional options. For example, users in certain parts of Europe can pay through iDEAL or Sofort, and users in some Asian countries can use local payment systems. Check your payment method list in account settings to see what is available in your region.

If you pay through a mobile carrier (like Verizon or T-Mobile billing), you can change that through your carrier's account settings, not through Spotify directly. Spotify will still show it as your payment method in your account.

Adding a backup payment method

You can store more than one payment method in your Spotify account. This is useful if your main card is about to expire or if you want a backup in case a charge fails. To add a second method, go to your Account settings and click "Payment methods". Click "Add payment method" and enter the new card or PayPal details.

Once you have added it, you can set which one is your primary method. Spotify will charge the primary method first. If that charge fails, Spotify will try the backup method before pausing your subscription. You can remove old or unused payment methods from this same screen by clicking the trash or delete icon.

What happens if your payment fails

If Spotify cannot charge your primary payment method, it will try any backup method you have on file. If both fail, Spotify will send you an email asking you to update your payment information. You usually have a few days to fix it before your subscription pauses.

While your subscription is paused, you can still log in and listen to free tier content with ads, but you lose access to Premium features like offline downloads and ad-free listening. Once you add a working payment method and the charge goes through, your Premium access returns when ready.

Changing payment method for a family or student plan

If you are the account owner of a Spotify Family or Student plan, you change the payment method the same way — through Account settings and the Billing section. The change affects the entire plan, not just your own account. All family members will continue to use their own logins and playlists; only the billing changes.

If you are a family member but not the account owner, you cannot change the payment method yourself. You will need to ask the account owner to make the change. The account owner is the person who created the family plan and manages the billing.

Frequently Asked Questions

Can I change my payment method on the same day I get charged?

Yes. Spotify charges on the same date each month (your billing date). If you change your payment method before that date arrives, the new method will be charged instead. If you change it after you have already been charged that month, the new method will be used for next month's charge.

What if I want to use a different card but keep the old one on file?

Add the new card as a second payment method first, then set it as your primary. This way the old card stays in your account as a backup. You can remove it later if you no longer need it, or keep it there in case the new card fails.

Does changing my payment method affect my playlists or saved songs?

No. Your playlists, saved songs, followers, and all listening history stay exactly the same. Changing payment only changes how Spotify bills you — nothing about your account content or settings changes.

Can I change my payment method if my subscription is paused?

Yes. You can update your payment information at any time, even if your subscription is paused. Once you add a working payment method, your subscription will resume on your next billing date.

What should I do if Spotify keeps declining my new card?

First, make sure you entered the card number, expiration date, and CVV correctly. Check that your card has not expired and that you have not reached your credit limit. If the card works elsewhere, contact your bank to ask if they are blocking Spotify charges. Some banks flag streaming services as suspicious. Once your bank approves it, try adding the card to Spotify again.