What Is the Spotify Charge on My Bank Statement?

What Is the Spotify Charge on My Bank Statement?

SPOTIFY, SPOTIFY USA, or SPOTIFY AB are bank descriptors for Spotify, the music and podcast streaming service. If you see any of these on your bank or credit card statement, the charge is your monthly Spotify subscription — either Spotify Premium Individual, Spotify Premium Duo, Spotify Premium Family, or Spotify Premium Student. Spotify is headquartered in Sweden, which is why some statements show SPOTIFY AB — AB is the Swedish abbreviation for a public company.

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Why Does Spotify Appear as SPOTIFY AB?

Spotify Technology S.A. operates globally but its payment processing in some regions routes through Spotify AB, its Swedish parent entity. The AB suffix is simply the Swedish corporate designation (Aktiebolag), equivalent to “Inc.” in the United States. The charge is identical regardless of whether your statement shows SPOTIFY, SPOTIFY USA, or SPOTIFY AB.

What Does a Spotify Charge Cover?

A Spotify charge covers your active Spotify Premium subscription. Spotify Premium Individual is $11.99/month. Spotify Premium Duo (two accounts, one household) is $16.99/month. Spotify Premium Family (up to six accounts) is $19.99/month. Spotify Premium Student is $5.99/month with verified student status. Spotify also offers a free tier — if you are on the free tier, you will not see a charge.

What to Do If You Don’t Recognize a Spotify Charge

1. Log into your Spotify account at spotify.com and go to Account → Subscription to confirm your active plan and next billing date.
2. Go to Account → Payment to see the card currently on file and confirm it matches the card that was charged.
3. Check whether a family member may have added you to a Spotify Family plan — members on a family plan are billed through the plan owner’s account, not their own.
4. If you subscribed through Apple or Google, the charge appears on your Apple or Google bill, not directly from Spotify.
5. If you cannot account for the charge, contact Spotify support at support.spotify.com.
6. If the charge is unauthorized, contact your card issuer to dispute it.

Frequently Asked Questions

Is a Spotify charge legitimate?

Yes, if you have an active Spotify Premium subscription. Spotify charges monthly on the date you originally subscribed. If you don’t remember subscribing, you may have signed up for a free trial that converted to a paid plan.

How do I cancel Spotify to stop the charge?

Log into spotify.com → Account → Subscription → Cancel Premium. Your Premium access continues until the end of the current billing period. Canceling through Apple or Google requires going through their respective subscription management settings.

Why is my Spotify charge different this month?

Spotify occasionally adjusts its subscription prices. If your charge is higher than expected, check your Account → Subscription page for the current plan price and next billing amount. Price changes are announced via email before they take effect.

Can I get a refund on a Spotify charge?

Spotify’s refund policy is limited. They generally do not issue refunds for monthly subscription charges but may make exceptions for charges after a cancellation attempt. Contact Spotify support at support.spotify.com to request a review of your specific situation.

Use our free Merchant Charge Decoder to identify any other unfamiliar charges on your statement.

What Is a Spotify Charge on My Bank Statement?

A Spotify charge on your bank or credit card statement is your monthly Spotify Premium subscription fee. Spotify appears on statements as SPOTIFY, SPOTIFY USA, or SPOTIFY AB depending on your bank and how the transaction is processed. All three descriptors refer to the same company — Spotify Technology, the music and podcast streaming service used by hundreds of millions of people worldwide.

Spotify charges on a monthly recurring basis on the anniversary of your original subscription date. If you signed up on the 14th of any month, you will see a Spotify charge on the 14th of every month going forward unless you cancel.

Spotify Subscription Plans and Current Prices

Spotify Premium Individual is billed at $11.99 per month and covers a single account with ad-free listening, offline downloads, and unlimited skips. Spotify Premium Duo covers two accounts at one address for $16.99 per month. Spotify Premium Family covers up to six accounts for $19.99 per month. Spotify Premium Student is $5.99 per month for eligible students with verified enrollment. If you subscribed through Apple, the charge appears on your Apple bill as APL*ITUNES or APPLE.COM/BILL, not directly from Spotify.

I Don’t Recognize This Spotify Charge — What Should I Do?

Log into your Spotify account at spotify.com and navigate to Account → Subscription. This shows your current plan, monthly price, and next billing date. If the plan matches what you see on your bank statement, the charge is your regular Spotify bill. If you don’t remember signing up, check whether you started a free trial — Spotify’s trials automatically convert to paid plans unless canceled before the trial ends.

If someone else has access to your email address or Spotify account, they may have reactivated a subscription. Change your Spotify password immediately and contact Spotify support if you believe your account has been compromised.

Frequently Asked Questions

Why does my statement say SPOTIFY AB instead of Spotify?

SPOTIFY AB is Spotify’s Swedish corporate entity — AB is the Swedish equivalent of “Inc.” Depending on your bank and the payment processor used for your region, your statement may show SPOTIFY, SPOTIFY USA, or SPOTIFY AB. All three are legitimate Spotify charges.

I canceled Spotify but still got charged — why?

If you canceled Spotify but still see a charge, the cancellation may not have gone through completely, or the charge was already processed before your cancellation was effective. Log into Spotify and verify the cancellation is confirmed. If the account shows as canceled and you were still charged, contact Spotify support with a screenshot of both the cancellation confirmation and the bank charge.

Does Spotify offer a free trial?

Spotify occasionally offers free trial promotions for new Premium subscribers, typically one to three months. Trials automatically convert to paid plans at the end of the trial period. If you signed up for a trial and forgot to cancel, that is likely the source of the charge.