Change Your Payment Method in Settings

You can change the card or payment method Spotify charges each month by going into your account settings on any device. The steps are the same whether you use a phone, tablet, or computer: open Spotify, go to your profile menu, select Account, find the Billing section, and update your payment method there. Spotify will use the new method for your next billing cycle.

If you're switching from one card to another, you don't need to cancel your subscription first. Just add the new card in the Billing section and remove the old one. Spotify keeps your subscription active the whole time — there's no gap in your service.

Key Takeaways

  • You update your payment method through your account settings under Billing, not through a separate payment portal.
  • The new payment method takes effect on your next billing date, which is usually the same day each month.
  • You can save multiple payment methods in your account and switch between them without canceling your subscription.
  • If a payment fails, Spotify will retry it a few times before suspending your account, giving you time to update your method.
  • Removing a payment method does not cancel your subscription — you must have at least one valid method on file to keep your account active.

Step-by-Step: Desktop or Web Browser

Open Spotify and log in. Click your profile name or icon in the top right corner, then select Account from the dropdown menu. On the Account page, look for the Billing section on the left side. Click Payment methods or Edit payment method (the exact wording varies by region).

You'll see any cards or payment methods already saved to your account. To add a new one, click the button to add a payment method — usually labeled Add a payment method or Add card. Enter your card number, expiration date, and CVV. Spotify will ask for your billing address as well. Once you've entered the new method, you can delete the old one by clicking the trash icon or Remove next to it.

Step-by-Step: Mobile App (iPhone or Android)

Open the Spotify app and tap your profile icon at the bottom right. Tap Settings and privacy or just Settings. Scroll down and tap Account. Look for Billing or Payment methods and tap it. You'll see your current payment method and an option to add a new one.

Tap Add a payment method or the plus icon. Enter your card details and billing address. Once the new method is saved, return to the payment methods list and remove the old card by swiping left (iPhone) or long-pressing (Android) and selecting Delete or Remove.

What Payment Methods Spotify Accepts

Spotify takes most major credit and debit cards: Visa, Mastercard, American Express, and Discover in the United States. In other countries, local card networks may also work. You can also pay through PayPal, Google Play (on Android), Apple ID (on iPhone and iPad), and some regional payment services depending on where you live.

If you're using a prepaid card, make sure it's registered with your name and billing address — Spotify's system checks this information. Some prepaid cards decline if the issuer doesn't support recurring charges, so if your prepaid card keeps failing, contact the card issuer to ask whether they allow subscription payments.

When Your Payment Method Fails

If Spotify can't charge your card on your billing date, the app will show a message asking you to update your payment method. You usually have a few days to fix it before Spotify pauses your account. During this time, you can still use Spotify, but you won't be able to play music once the grace period ends.

Spotify will retry the charge a few times over several days. If you update your payment method during this window, the charge will go through and your account stays active. If the payment never succeeds, your account will be suspended until you add a working payment method and the charge clears.

Removing a Payment Method Without Losing Your Subscription

You can remove a card from your account, but you must have at least one valid payment method saved at all times. If you try to delete your only payment method, Spotify will ask you to add a new one first. This protects your account from accidentally going unpaid.

If you want to switch payment methods but keep your subscription active, add the new method first, then remove the old one. This way there's no gap. You can also keep multiple payment methods on file — Spotify will charge the one you've set as your primary method, but you can change which one is primary anytime.

Changing Your Billing Address

Your billing address is tied to your payment method, not your account as a whole. If you move, you can update your address by editing the payment method itself. Go to your payment methods in Billing, click or tap the card you want to update, and change the address there. Spotify may ask you to re-enter your full card details when you do this.

Some payment processors and card issuers check that your billing address matches their records. If your address doesn't match, the charge may fail. Updating it in Spotify should fix the problem, but if charges keep failing after you've updated your address, contact your card issuer to make sure they have your current address on file too.

Frequently Asked Questions

Will changing my payment method cancel my subscription?

No. Changing your payment method does not affect your subscription at all. You stay subscribed the whole time, and Spotify will charge the new method on your next billing date. There's no interruption to your service or your playlists.

How long does it take for the new payment method to start working?

It takes effect on your next billing date, which is usually the same day each month that you were originally charged. If you change your payment method on the 15th and your billing date is the 20th, Spotify will use the new method on the 20th. You can see your exact billing date in the Account section under Billing.

Can I use someone else's card to pay for my Spotify account?

Yes, you can use any card as long as you have permission from the cardholder. The billing address on the card should match the address you enter in Spotify. Some card issuers may decline charges if the name on the card doesn't match the account holder's name, so check with your card issuer if you run into problems.

What should I do if my payment keeps failing?

First, make sure the card details you entered are correct — check the card number, expiration date, and CVV. Then verify that your billing address matches what your card issuer has on file. If the card is valid and the address is right, contact your bank or card issuer to ask whether they're blocking Spotify charges. Some banks decline recurring payments by default until you tell them it's okay.

Can I change my payment method on the Spotify website instead of the app?

Yes. Go to spotify.com, log in, click your profile name, select Account, and find the Billing section. The steps are the same as on the app. You can change your payment method on any device — the change syncs across all your devices automatically.