How to change payment method on Spotify: Step-by-step guide

If you rely on Spotify Premium for your daily soundtrack, keeping your payment details up to date is essential. You might have changed banks, received a new card, want to move payments to a shared account, or are tired of paying foreign transaction fees because your subscription is billed in another currency.

In this guide, we'll explore how you can keep premium features on Spotify and change your payment method, how to fix failed payments, and how a Wise account and Wise card can help you pay for Spotify and other subscriptions in foreign currencies at the mid-market exchange rate* while easily sharing costs with others.

➡️ Learn more about the Wise account

How to change your payment method directly with Spotify

If you pay Spotify directly, you usually manage payments from your Spotify account page in a web browser. To change your payment details, you go to your Saved payment methods, enter a new method, and confirm the change¹.

On desktop (web browser)

1. Open a browser on your computer and go to spotify.com
2. Log in and click your profile in the top right, then select Account
3. Under Your plan, click Update or Update next to your current payment method
4. Alternatively, go to the Saved payment methods section of your account
5. Enter your new card or PayPal details and confirm by selecting Change payment details or Save

On a mobile browser (iOS or Android)

You can't change payment details inside the Spotify mobile app itself, but you can use your phone's browser².

1. Open Safari, Chrome or another browser and go to spotify.com
2. Log in and tap the menu / settings icon, then choose View Account
3. Scroll to Your plan and tap Update next to your payment method, or go to Saved payment methods
4. Add your new card or PayPal details and confirm

How to update your card or payment method on Spotify

Spotify offers several ways to pay for Premium, though exact options vary by country³. Common payment methods in the UK include:

• Debit and credit cards (Visa, Mastercard, etc.)
• PayPal
• Pre-paid and some virtual cards
• Mobile billing through supported networks or digital wallets
• Spotify gift cards and pre-paid Premium codes

To update your card or payment method when paying Spotify directly¹:

1. Log in to your Spotify account in a web browser
2. Go to Your plan and choose Update under Payment, or open Saved payment methods
3. Add a new payment card (or PayPal), making sure details such as card number, expiry date and billing address are correct
4. Save the changes

How to change your payment method on Spotify if billed via a third party

If your Spotify Premium is billed by a partner company, such as your phone or internet provider, Spotify explains that the partner manages your payments. You'll need to speak to them about anything payment-related, including changing cards¹.

Apple

Spotify no longer sells new Premium subscriptions directly through Apple's in-app purchase system, but some legacy accounts may still be billed via Apple. In that case, you change your card in your Apple ID payment settings, not in Spotify.

Apple's support guidance for changing payment methods is⁴:

1. Open Settings on your iPhone or iPad
2. Tap your name → Payment & Shipping (sign in if prompted)
3. Tap Add Payment Method, enter your new card or payment details, then tap Done
4. Optionally remove the old card under Edit

Google Play

If you pay for Spotify through Google Play Billing, you manage your card or wallet via your Google account. To update your payment method in Google Play⁵:

1. Open the Google Play Store app
2. Tap your profile icon → Payments & subscriptions → Payment methods or Subscriptions
3. Add or update your payment method (card, wallet, etc.)
4. Make sure that the payment method is active and available for recurring subscriptions

Amazon

If your Spotify subscription is bundled or billed via Amazon, you normally manage payment in your Amazon account. A typical flow for Amazon digital subscriptions is⁶:

1. Log in to amazon.co.uk and go to Your Memberships & Subscriptions or relevant music/subscription settings
2. Find Spotify (or the specific bundle that includes Spotify)
3. Select Manage Subscription or Details & Support
4. Select Change next to Payment Method
5. Add or select a different card and save your changes

What to check if your Spotify payment is not working

Even after you update your payment method, things can go wrong. Here are some common checks if your card is declined⁷:

• Make sure your payment method has enough funds
• Check that it's not expired, cancelled or blocked
• Ensure it's registered in the same country as your Spotify account
• Confirm it's enabled for online, foreign and recurring payments in your banking app

If the problem continues, Spotify recommends:

• Re-entering your card or PayPal details in an incognito/private browser window
• Trying a different payment method
• Waiting a few hours in case of a temporary connection or provider issue
• Check if your bank or payment provider are blocking the transaction

From the Premium not working page, you can also⁸:

• Check your plan and billing status under Your account → Billing
• Confirm there are no pending or failed transactions on your bank statement
• Verify you're logged into the right Spotify account

What happens after a failed charge (dunning process)

If a regular monthly payment fails, Spotify doesn't normally cancel your Premium immediately. They'll try the payment again over the next few days before downgrading you⁷.

In practice, this usually works as follows:

• Spotify attempts to take payment on your billing date
• If the payment fails, they may email you and mark the payment as failed
• They'll then retry your card a few times over a short period
• If every retry fails, your account is downgraded to Spotify Free

If your plan is with a partner company, they handle their own dunning process, so you'll need to check emails and notifications from that provider instead.

Switch to Wise to save on currency conversion fees

If you're paying for Spotify in another currency (because you subscribed while abroad, or you're based in the UK but billed in EUR or USD), traditional banks can add hidden mark-ups to the exchange rate and extra foreign transaction fees.

By using a Wise card, you can often reduce those costs. Instead of your UK bank quietly adding a percentage on top of the exchange rate every month, Wise converts at the mid-market rate and converts currency at a low fee* - or it’s free if you already have that currency in your account, so it could work out cheaper over time for recurring international charges, including digital subscriptions like Spotify.

Why use Wise for your international subscriptions?

With a personal Wise debit card, you can:

• Hold and convert money in 40+ currencies and send to 150+ countries
• Top up in GBP, convert to the currency Spotify uses for billing, then let Wise charge that balance at the mid-market rate* when your subscription renews
• Forget to top up? Wise uses auto conversion so as long as you have other currencies held within your Wise account. For example, if you have both pounds and euros set up in your account, if you run out of pounds, Wise will auto convert from your euro balance for a small fee, starting as low as 0.33%* - so you can avoid missing payments
• Use one card for multiple international subscriptions, whether that's Spotify, video streaming, cloud storage, or other services

Steps to set up the Wise card as your new Spotify payment method

1. Open a Wise accountSign up for a personal Wise account online or via the Wise app, it’s quick and easy
2. Order and activate your Wise cardRequest a Wise debit card from within your account and activate it in the Wise app (you can also get a Wise virtual card to use straight away online)
3. Add or convert fundsAdd money to your Wise balance in GBP, then convert to the currency Spotify bills you in (if you don’t have enough in your account in the right currency, Wise will autoconvert from another currency for a low fee* which means less chance of bouncing payments)
4. Find your card details in WiseIn the Wise app, view your card number, expiry date and CVC
5. Update your payment method on SpotifyGo to your Spotify account in a web browser. Under Your plan, click Update next to your payment method or open Saved payment methods. Enter your Wise card details and save.

Using Wise to pay for your subscriptions

Updating your payment method promptly means fewer failed payments and surprises. Keeping your payment details accurate and up to date is the easiest way to avoid interruptions to Spotify Premium.

A Wise account and Wise card can help you go a step further. By holding and converting money in more than 40+ currencies at the mid-market rate*, Wise helps you to pay for Spotify and other international subscriptions easily.

If you share subscriptions with friends, family or housemates, Wise's Split Bill and Spend with Others features let you split eligible transactions, send payment requests, or create small spending groups, so everyone can contribute their share, even if they're in another country or using a different currency. That way, one person can keep Spotify on their Wise card while the rest pay them back quickly and clearly.

If you want a truly international account that works around the world, check out the Wise account. It's not a bank account but offers some similar features and your money is safeguarded.

You can open a Wise account online and start managing your money in 40+ currencies. When sending money internationally or converting currency, you’ll only pay a low, transparent fee* while also getting the mid-market exchange rate every time.

You can also get the Wise card to spend like a local from the moment you arrive. It works in 150+ countries and automatically converts your pounds to the local currency whenever you spend, only adding a tiny, upfront currency conversion fee* – or it’s free if you already have the currency in your Wise account.

Sign up with Wise today

Sources used in this article:

1. Spotify Support – changing payment options
2. Spotify Support – can’t subscribe to Premium in iOS app
3. Spotify Community – payment methods
4. Apple Community – updating Spotify payment on Apple Pay
5. Google Pay – updating Spotify payment on Google Pay
6. Amazon Pay – updating Spotify payment on Amazon Pay
7. Spotify Support – what to do if payment fails
8. Spotify Support – what to do if Spotify Premium isn’t working

Sources last checked: 15 December 2025