How to change your Spotify payment method
You can change how Spotify charges you by going to your account settings, finding the payment method section, and replacing your card or payment option with a new one. The change takes effect immediately for your next billing cycle. If you're switching from a card to a different card, PayPal, or another payment method your region supports, Spotify will attempt to charge the new method on your regular billing date.
The process differs slightly depending on whether you manage your subscription directly through Spotify or through a third party like Apple, Google Play, or Amazon. If you signed up through an app store, you'll need to change the payment method in that store's settings, not in Spotify itself.
Key Takeaways
- Direct Spotify subscribers can change payment methods in account settings on the web, but the mobile app only lets you view your current method.
- If you subscribed through Apple, Google Play, or Amazon, you must change payment in that platform's settings, not in Spotify.
- Your new payment method is charged on your next regular billing date, which you can find in your account settings.
- If a payment fails, Spotify will retry it several times over a few days before pausing your subscription.
Changing payment on a direct Spotify account
If you signed up directly at spotify.com or through the Spotify app and pay Spotify directly, log into your account on the web at account.spotify.com. Click "Account" in the left menu, then scroll to the "Billing" section and select "Payment methods."
From there you can add a new card, remove an old one, or set a different method as your default. Spotify accepts major credit and debit cards in most regions, and also PayPal, Klarna, or local payment methods depending on your country. Once you save the new method, it becomes active immediately, though Spotify won't charge it until your next billing date arrives.
If you're using the Spotify mobile app, you can view your current payment method but cannot change it from the app itself. You must use the web version at account.spotify.com to make changes.
Changing payment if you subscribed through an app store
If you started your Spotify subscription through the Apple App Store, Google Play Store, or Amazon Appstore, your payment method is managed by that platform, not by Spotify. Changing it in Spotify's settings won't work—you have to go to the app store where you signed up.
For Apple users, open Settings on your iPhone or iPad, tap your name at the top, select "Payment & Shipping," and update your payment method there. For Google Play, open the Play Store app, tap your profile icon, go to "Payments and subscriptions," then "Payment methods," and add or change your card. Amazon users should go to their Amazon account, select "Login & security," and update their payment information under "Payment options."
After you update the payment method in the app store, Spotify will use the new method on your next billing date. There's usually a delay of a few hours to a day before the change syncs between the app store and Spotify's system.
What happens if a payment fails
If Spotify tries to charge your payment method and it declines, the service doesn't stop immediately. Spotify will retry the charge several times over the next few days—typically every few days for up to a week. During this time, your subscription remains active and you can keep using Spotify normally.
If all retry attempts fail, Spotify will pause your subscription. You won't lose your playlists, followers, or saved songs, but you won't be able to stream music until you update your payment method and the charge goes through. Once you add a working payment method, Spotify will attempt to charge it right away, and your access resumes within a few minutes.
Switching between payment methods
If you want to use a different card or payment option but keep your subscription active without interruption, add the new method to your account before removing the old one. This prevents a gap where Spotify can't charge you.
Go to account.spotify.com, add your new card or payment method, set it as the default, and then remove the old one. Spotify will charge the new default method on your next billing date. If you remove your only payment method before adding a new one, your subscription will pause until you add one back.
Regional payment options
The payment methods Spotify accepts vary by country. In the United States, Canada, and most of Europe, you can use major credit cards, debit cards, and PayPal. Some regions also support Klarna, local bank transfers, or mobile payment options.
If you're traveling or have moved to a different country, you may find that your old payment method is no longer supported in your new region. In that case, you'll need to add a payment method that works in your current location. Check your account settings to see which options are available where you are now.
Frequently Asked Questions
Will changing my payment method interrupt my Spotify subscription?
No. Your subscription stays active while you change the payment method. Spotify charges the new method on your next regular billing date, which is usually 30 days after your last charge. You can keep streaming the whole time.
Can I use a prepaid card or virtual card number with Spotify?
Yes, most prepaid and virtual card numbers work with Spotify as long as they're issued by Visa, Mastercard, or American Express. Some virtual card services that generate one-time-use numbers may cause issues if Spotify needs to retry a charge. If you have problems, contact your card issuer to confirm the card is active and has sufficient funds.
What if I want to switch from a card to PayPal?
Add PayPal as a payment method in your account settings at account.spotify.com, set it as your default, and then remove your card. PayPal will be charged on your next billing date. The process takes a few minutes and doesn't affect your subscription.
Why does Spotify say my payment method is invalid when I know it's correct?
This usually means the card has expired, been reported lost or stolen, or the issuing bank has blocked the charge for security reasons. Contact your bank to confirm the card is active and that they're not blocking Spotify charges. You can also try adding the card again or using a different payment method while you sort it out with your bank.
If I change my payment method, will my billing date change?
No. Your billing date stays the same. If you normally get charged on the 15th of each month, you'll continue to be charged on the 15th, even after you change your payment method. The new method is simply charged on that same date.