Where to find your payment settings on Spotify
You change your Spotify payment method through your account settings, not through the app itself. Open a web browser, go to www.spotify.com, and sign in with your username and password. Once you're logged in, click your profile name 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 Payment methods to see what you currently have on file and add or remove payment options. This is the only place where you can manage how Spotify charges you — the mobile app does not have these controls.
Key Takeaways
- You must use a web browser to change your payment method; the Spotify app does not have this option.
- Go to Account > Billing > Payment methods after signing in at spotify.com.
- You can add a new payment method before removing the old one, so your subscription never interrupts.
- Spotify charges your new payment method on your next billing date, which you can see in the Billing section.
- If a payment fails, Spotify will try again for a few days before pausing your account, giving you time to update your method.
Adding a new payment method
Click the Add a payment method button on the Payment methods page. Spotify accepts credit cards, debit cards, PayPal, and gift cards depending on your country. Enter your card number, expiration date, and CVV, or choose to sign in to your PayPal account if you prefer that route.
After you add the new method, it appears in your list of payment options. You do not have to remove your old method right away — Spotify will use whichever one you set as your primary payment method. This means you can add the new card first, make it primary, and then delete the old one without any gap in service.
Removing your old payment method
Once your new payment method is added and set as primary, click the three dots next to your old payment method and select Remove. Spotify will not charge the removed method again, and your subscription continues without interruption on the new card or account you chose.
If you only have one payment method on file and want to switch to a different one, add the new method first before removing the old one. Spotify requires at least one active payment method to keep your account active, so removing your only option will pause your subscription until you add another.
What happens if your payment fails
If Spotify cannot charge your primary payment method, you will receive an email notification. Spotify typically retries the charge for several days before pausing your account. During this window, you can update your payment method to fix the issue without losing your playlists, followers, or saved songs.
To update your payment method after a failed charge, follow the same steps: go to Account > Billing > Payment methods and add a new card or update your existing one. Your account will resume once the payment goes through. If your account does get paused, signing in and updating your payment method will reactivate it immediately.
Using gift cards as payment
Spotify gift cards work differently than credit cards. When you redeem a gift card, the balance is added to your account and Spotify charges against that balance first. Once the gift card balance runs out, Spotify will charge your backup payment method — usually a credit or debit card you have on file.
To use a gift card, go to Account > Billing > Payment methods and look for the Redeem a code option. Enter the code from the back of the card or from your email receipt. The balance appears in your Billing section, and you can see how much is left at any time. If you want to switch away from gift card payments, just add a credit card as your primary method and Spotify will use that when the gift card balance is empty.
Changing your billing address or currency
Your billing address is tied to your payment method and your country setting. If you move to a different country, you may need to update your address and add a payment method that works in your new location. Go to Account > Billing and check your Country or region setting — Spotify uses this to determine which payment methods are available and what currency to charge you in.
If you change your country setting, Spotify may require you to add a new payment method that is valid in that region. Your subscription price may also change based on local pricing. Update your address in the payment method details to match your current location, and Spotify will use the correct billing information the next time it charges you.
Frequently Asked Questions
Can I change my payment method on the Spotify app?
No. Payment settings are only available on the web version at spotify.com. Open a browser, sign in, go to Account > Billing > Payment methods, and make your changes there. The mobile app does not have access to billing controls.
Will my subscription stop if I remove my old payment method?
No, as long as you add a new payment method first and set it as primary. Spotify will charge your new method on your next billing date. If you remove your only payment method, your subscription will pause until you add another one.
How long does it take for a new payment method to start working?
Immediately. Once you add a new payment method and set it as primary, Spotify will use it on your next billing date. There is no waiting period. If you need to be charged right away, you can contact Spotify support to request an immediate charge.
What if Spotify keeps declining my new card?
Check that your card number, expiration date, and CVV are entered correctly. Make sure your billing address matches what your bank has on file. If the problem continues, contact your bank to confirm the card is not blocked for online purchases, then try adding it to Spotify again.
Can I use multiple payment methods at the same time?
Yes. You can add several cards or a PayPal account to your Spotify account, but Spotify only charges one at a time — whichever you set as primary. If that method fails, Spotify will not automatically try a backup; you have to update it manually or wait for the retry window to pass.