Where to find your payment settings on Netflix
Your Netflix payment method lives in your account settings, not in the app you watch shows on. You need to go through a web browser — either on your computer or phone — to make the change. The Netflix app itself does not have a payment section.
Start by going to netflix.com and signing in with your email and password. Once you are logged in, look for your profile icon or initial in the top right corner of the page. Click it, and a menu will drop down. Select Account from that menu.
On the Account page, look for a section called Membership and billing. Under that heading, you will see Payment info. Click on that line, and Netflix will show you the payment method currently on file.
Key Takeaways
- You must change your payment method through a web browser at netflix.com, not through the Netflix app.
- Go to your profile icon, select Account, then find Payment info under Membership and billing.
- Netflix accepts credit cards, debit cards, PayPal, and gift cards depending on your country and account type.
- Your new payment method takes effect immediately, but Netflix will not charge it until your next billing date.
- If Netflix declines your new card, check the expiration date and billing address match exactly what your bank has on file.
Adding a new payment method
When you click on Payment info, Netflix shows you what is currently linked to your account. Below that, you will see a button or link that says Update payment method or Add payment method. Click it.
Netflix will ask you to choose what type of payment you want to use. The options depend on your country, but usually include credit card, debit card, PayPal, and sometimes gift cards. Select the one you want to add.
If you choose a card, enter the card number, expiration date, and the three-digit security code on the back. Make sure the billing address you enter matches exactly what your bank has on file — even a small difference like "St." instead of "Street" can cause Netflix to decline the card. If you choose PayPal, Netflix will open PayPal in a new window and ask you to log in and confirm.
Removing your old payment method
Once your new payment method is saved and confirmed, Netflix usually removes the old one automatically. However, if both methods are still showing in your Payment info section, you can delete the old one manually.
Look for the old payment method in the list and find a delete button or trash icon next to it. Click it, and Netflix will ask you to confirm. Once you confirm, that payment method is removed from your account. Netflix will use your new method on your next billing date.
If you have a Netflix gift card balance on your account, Netflix may try to use that before charging your card. You can check your remaining gift card balance in the same Payment info section.
What to do if Netflix declines your new card
Netflix will tell you right away if the card is declined. The most common reason is that the billing address does not match what your bank has on file. Check your bank's website or call them to confirm the exact spelling and format of your address, then try entering it again in Netflix exactly as your bank shows it.
The second most common reason is an expired card or a card that is about to expire. Check the expiration date on your physical card and make sure you entered it correctly. If the card is expired, use a different card instead.
If Netflix still declines the card after you have checked the address and expiration date, try a different card or payment method. Some banks flag Netflix charges as suspicious the first time they see them, so you may need to call your bank and tell them to allow the charge.
Changing your payment method on a phone
You can change your payment method on an iPhone or Android phone, but you have to use a web browser, not the Netflix app. Open Safari on iPhone or Chrome on Android, go to netflix.com, and sign in. Then follow the same steps: profile icon, Account, Payment info, Update payment method.
The process is identical to using a computer. Enter your new card details or PayPal information the same way, and Netflix will save it immediately. Your phone's browser will remember you are signed in, so you do not have to log in again the next time you visit Netflix on that phone.
When your payment method is about to expire
If your credit card or debit card is expiring soon, Netflix may send you an email asking you to update your payment information. You do not have to wait for that email — you can update it anytime through your Account settings.
Netflix will not automatically update your card information even if your bank sends Netflix a new expiration date. You have to enter the new card details yourself. If you do not update before the card expires, Netflix will try to charge the old card on your billing date, the charge will fail, and your account may be suspended until you add a working payment method.
Using different payment methods in different countries
If you travel or move to a different country, Netflix may ask you to update your payment method because some cards do not work outside their home country. You can add a local payment method in that country — for example, a debit card issued by a bank in that country, or a local digital wallet.
Netflix charges in the currency of the country where your account is registered, not the country where you are physically located. If you move permanently, you may need to contact Netflix support to change your account's registered country, which can affect your subscription price and the shows available to you.
Frequently Asked Questions
Can I use multiple payment methods on one Netflix account?
Netflix lets you save one primary payment method at a time. You cannot set up automatic charges to multiple cards. However, you can manually change which card is on file whenever you want, and Netflix will use the new one on your next billing date.
What happens to my subscription if I change my payment method?
Your subscription does not change at all. You keep the same plan, the same billing date, and the same shows and movies. Only the card Netflix charges is different. Your new payment method takes effect on your next billing date, not immediately.
Can I pay Netflix with a gift card instead of a card?
Netflix gift cards work in some countries but not all. If your country supports them, you can add a gift card as your payment method. Netflix will charge the gift card balance first, then switch to a backup card once the balance runs out. You can check whether gift cards are available in your country on the Netflix website.
Why does Netflix keep declining my new card?
The most common reason is a mismatch between the billing address you entered and the address your bank has on file. Call your bank to confirm the exact spelling and format, then try again. If the card is not expired and the address matches, your bank may be blocking Netflix as suspicious — call your bank and ask them to allow the charge.
Do I lose my shows and watchlist if I change my payment method?
No. Your watchlist, viewing history, profiles, and all your settings stay exactly the same. Changing your payment method only affects how Netflix charges you, not your account or content.