How to change your Spotify payment method
You can change the card or payment account Spotify charges by going to your account settings on the web, then selecting your payment method and entering new information. Spotify will use the new method for your next billing date. If you want to stop charges entirely, you can cancel your subscription instead of just updating the payment method.
The process takes about two minutes and works the same way whether you pay with a debit card, credit card, or PayPal. You do not need to contact Spotify support unless your payment fails or you run into an error during the update.
Key Takeaways
- Log into your Spotify account on the web at spotify.com, not the mobile app, to change your payment method.
- Go to Account > Billing and select "Change payment method" to enter a new card or PayPal account.
- Spotify charges your new payment method on your next billing date, which you can see in the same Billing section.
- If your payment method fails, Spotify will send you an email and pause your subscription until you update it.
- You can remove a payment method by canceling your subscription, but you cannot delete a method while keeping your account active.
Steps to update your payment method on the web
Open a web browser and go to spotify.com. Sign in with your username and password if you are not already logged in. Click your profile icon in the top right corner and select "Account" from the dropdown menu.
On the Account page, look for the "Billing" section on the left side. Click "Billing" to open your payment information. You will see your current payment method listed, along with your next billing date. Click the button that says "Change payment method" or "Update payment method" (the exact wording varies by region).
Enter your new payment information. If you are adding a credit or debit card, type the card number, expiration date, and CVV (the three-digit code on the back). If you are switching to PayPal, you will be redirected to PayPal to log in and confirm the connection. After you enter the information, click "Confirm" or "Save" to finish.
What happens after you change your payment method
Spotify will charge your new payment method on your next scheduled billing date. Your subscription does not pause or restart — you keep your current plan and any playlists or saved songs you have. The change takes effect when ready, but the actual charge happens on the date shown in your Billing section.
If you want to see when you will be charged, go back to Account > Billing. The next billing date appears near the top of the page. If you change your payment method a few days before that date, Spotify will use the new method for that upcoming charge.
Why Spotify might decline your payment method
Spotify will reject a payment if your card is expired, closed, or reported as lost or stolen. Banks sometimes block charges from streaming services if they look unusual to their fraud detection system, even if the card is active. If this happens, Spotify sends you an email saying your payment failed and gives you a few days to update your method.
If you do not update your payment method after a failed charge, Spotify pauses your subscription. You lose access to music until you add a working payment method. Your playlists and account settings stay saved, so you can resume right where you left off once you update your billing information.
Changing your payment method on the mobile app
The Spotify mobile app does not let you change your payment method directly. You must use the web version at spotify.com to update your billing information. This is true for both iPhone and Android apps.
However, if you originally signed up for Spotify through the Apple App Store or Google Play Store, you may need to change your payment method through that store instead. Open the App Store or Google Play, go to your account settings, and look for "Subscriptions" or "Payments." If you are unsure which way you signed up, try changing it on spotify.com first — if that does not work, try your app store.
Switching between different payment methods
You can only have one active payment method at a time on Spotify. If you want to switch from a credit card to PayPal, or from one card to another, you straightforward enter the new information in the "Change payment method" section. Spotify will delete the old method automatically once the new one is saved.
If you have multiple cards and want to use a different one, you do not need to do anything special — just enter the new card number in the same place. Spotify does not store old payment methods on file, so there is no list to choose from. Each time you update, you are replacing the previous method entirely.
What to do if you cannot change your payment method
If you see an error message when you try to update your payment method, first check that you entered the card number and expiration date correctly. Make sure the billing address matches what your bank has on file. If you are using PayPal, log out of PayPal and try again — sometimes the connection times out.
If the error continues, try a different browser or clear your browser cache and cookies, then log back into Spotify. If you still cannot update your payment method after trying these steps, you can contact Spotify support through the Help section of your account. They can see if there is a technical issue preventing the update or if your bank is blocking the connection.
Frequently Asked Questions
Will my Spotify subscription pause if I change my payment method?
No. Changing your payment method does not interrupt your subscription. You keep listening right away, and Spotify charges the new method on your next billing date. Your playlists, saved songs, and listening history all stay the same.
Can I use a debit card instead of a credit card?
Yes. Spotify accepts debit cards the same way it accepts credit cards. Enter the debit card number, expiration date, and CVV just as you would for a credit card. Some banks flag streaming charges as unusual, so if your debit card is declined, contact your bank to ask them to allow Spotify charges.
What if I want to remove my payment method without canceling?
You cannot remove your payment method while keeping your Spotify account active. Spotify requires a valid payment method to maintain any paid subscription. If you want to stop being charged, you must cancel your subscription. You can always resubscribe later and add a new payment method.
Does Spotify charge me right away when I change my payment method?
No. Spotify charges your new payment method on your next scheduled billing date, not when ready. You can see this date in your Account > Billing section. If you change your method a few days before that date, the new method will be used for the upcoming charge.
Can I change my payment method on the Spotify app?
No. You must use the web version at spotify.com to change your payment method. The mobile app does not have this option. If you signed up through the Apple App Store or Google Play Store, you may need to update your payment method through that store instead.