Change your Spotify payment method in three steps

Open Spotify on any device where you are logged in. Go to your account settings — on the web, click your profile name in the top right corner and select "Account". On mobile, tap the gear icon. Find the "Billing" or "Payment methods" section. Delete your old payment method and add a new one. Spotify will charge your new card or account on your next billing date.

The process takes less than two minutes and does not interrupt your subscription. You can change payment methods as many times as you want, and you do not need to cancel and restart your plan.

Key Takeaways

  • You can change your payment method through Account Settings on the web or through the gear icon on mobile without canceling your subscription.
  • Spotify accepts credit cards, debit cards, PayPal, and gift cards depending on your country and account type.
  • If a payment fails, Spotify will retry it for several days before suspending your account, giving you time to update your method.
  • Changing your payment method does not change your billing date or reset your subscription period.

Where to find payment settings on web and mobile

On the Spotify website, log in and click your profile name in the top right corner. Select "Account" from the dropdown menu. On the Account page, look for "Billing" in the left sidebar. Click it to see your current payment method and billing history.

On the Spotify mobile app (iOS or Android), tap the gear icon at the bottom right of the screen. Scroll down and tap "Account". Then tap "Billing" or "Payment methods" depending on your app version. The layout is the same: you will see what you are currently paying with and the option to change it.

What payment methods Spotify accepts

Spotify takes Visa, Mastercard, and American Express credit and debit cards in most countries. PayPal is available in many regions as well. If you have a Spotify gift card, you can redeem it as a prepaid balance instead of linking a recurring payment method.

Some countries have additional options — for example, direct bank transfer or local payment services. The methods shown in your account settings depend on where you live and what your payment provider supports. If you do not see the method you want, it may not be available in your region.

How to remove your old payment method

In the Billing section, find your current payment method. Next to it, you will see a "Remove" or "Delete" button. Click it. Spotify will ask you to confirm. Once you confirm, that card or account is no longer linked to your Spotify account.

Do not remove your payment method without adding a new one first, unless you plan to pause your subscription. If you have no payment method on file when your billing date arrives, Spotify will suspend your account until you add one.

How to add a new payment method

In the Billing section, look for "Add a payment method" or a plus icon. Click it. Enter the card number, expiration date, and CVV (the three-digit code on the back), or log into your PayPal account if you choose that option. Spotify will ask for your billing address. Fill it in and click "Save".

Spotify does not charge your new method right away. It will charge on your next scheduled billing date, which does not change when you update your payment method. You can add multiple payment methods and choose which one to use, though Spotify will only charge one at a time.

What happens if your payment fails

If Spotify cannot charge your payment method, it will try again over the next few days. You will receive an email telling you the charge failed. During this time, your subscription stays active. Log back into your account and update your payment method to stop the retries.

If Spotify cannot collect payment after several attempts, your account will be suspended. You will lose access to music until you add a working payment method. Your playlists and saved songs are not deleted — they come back as soon as you pay. Reactivation is when ready once the payment goes through.

Changing payment method on a family or student plan

If you are the plan owner, you change the payment method the same way: through Account Settings and Billing. The new method applies to the entire family or student plan, not just your account.

If you are a family member but not the plan owner, you cannot change the payment method yourself. Ask the plan owner to update it. Student plans work the same way — only the account holder can change payment details.

Frequently Asked Questions

Will changing my payment method reset my subscription or billing date?

No. Your billing date stays the same. Spotify will charge your new payment method on the date it normally charges you. Changing payment methods does not interrupt your subscription or add or remove time from your plan.

Can I use a prepaid card with Spotify?

Yes, most prepaid cards work like regular debit cards. Enter the card number, expiration date, and CVV the same way you would for any other card. Make sure the card has enough balance on your billing date, or the charge will fail.

What if I want to use a different payment method each month?

You can add multiple payment methods to your account and switch between them. Remove the old one and add the new one before your billing date. Spotify will charge whichever method is active on that date.

Do I need to update my payment method if I move to a different country?

Not always. If your card still works and your bank allows the charge, Spotify will process it. However, some payment methods are only available in certain countries. If your method stops working after you move, add a local payment method for that country.

Can I change my payment method if my account is suspended?

Yes. Even if your subscription is suspended due to a failed payment, you can log in and update your payment method. Once you add a working card or account, your subscription reactivates when ready.