What is "SPOTIFY" on my bank statement?
SPOTIFY is a legitimate charge from Spotify for music or podcast streaming, usually a subscription or free-trial conversion.
Merchant: Spotify | Category: Streaming
What Is This Charge?
Spotify is a music and podcast streaming service that offers both free (ad-supported) and premium (paid) subscription tiers. A charge from Spotify on your bank statement means you have an active paid subscription, which could be an individual, duo, family, or student plan. Spotify provides on-demand access to over 100 million tracks and millions of podcast episodes.
Why Does This Charge Appear on My Statement?
This charge appears because you're subscribed to Spotify Premium or one of its paid variants. Spotify bills automatically each month on the anniversary of your subscription start date. If you recently completed a free trial or a promotional discounted period, your billing may have transitioned to the full subscription rate. Spotify also charges annually for its audiobook-only plan.
Typical Charge Amounts
Spotify's US pricing includes Individual at $11.99/month, Duo at $16.99/month, Family (up to 6 accounts) at $19.99/month, and Student at $5.99/month. Some promotional offers start at $0.99 for the first month or three months. If your charge doesn't match these amounts, it could reflect a plan change, regional pricing, or a price adjustment that Spotify announced via email.
Common Variations
On bank statements, Spotify charges typically appear as SPOTIFY USA, SPOTIFY AB, SPOTIFY P, or SPOTIFY PREMIUM. The "AB" designation reflects Spotify's Swedish parent company (Spotify AB). Some statements show SPOTIFY 877-778-4281, which includes their customer service number.
Is This Charge Legitimate?
Log into your Spotify account at spotify.com/account to verify your subscription status and payment method. Check whether anyone else uses your credentials—Spotify Family plans sometimes lead to confusion when one person is paying for multiple users. Also review whether you've linked Spotify billing to any other service (like a phone carrier bundle) that might process separately.
How to Dispute or Cancel
To cancel Spotify Premium, go to spotify.com/account, scroll to your plan, and click "Cancel Plan." You'll keep Premium access until the end of your billing cycle. Spotify does not prorate refunds, but if you were double-charged or billed after cancellation, contact Spotify support through their online form. For truly unauthorized charges, dispute with your bank and request a new card.
Frequently Asked Questions
Why does my Spotify charge say SPOTIFY AB instead of Spotify?
Spotify AB is the legal name of Spotify's parent company, which is based in Stockholm, Sweden. Even though you use Spotify in the US, the payment may be processed under the parent company's name. This is completely normal and not a sign of fraud.
I have a Spotify Family plan. Why do I only see one charge?
Spotify Family charges a single monthly fee to the plan manager's payment method. Individual family members don't get billed separately—all six accounts are covered under one subscription charge to the person who created the Family plan.
Why was I charged full price after my Spotify trial ended?
Spotify free trials automatically convert to a paid subscription at the standard rate once the trial expires unless you cancel before the trial end date. When you signed up for the trial, you agreed to this auto-renewal. You can cancel anytime to prevent future charges.
Can I get a refund from Spotify?
Spotify's refund policy varies by region. In most cases, they don't offer refunds for partial months, but you can request one through their support page if you were incorrectly charged or billed after cancellation. European users have additional refund rights under consumer protection laws.
I canceled Spotify but I'm still being charged. What should I do?
First, verify you actually completed the cancellation process at spotify.com/account—sometimes the cancellation doesn't finalize if you close the browser before confirming. Also check whether you have multiple Spotify accounts (perhaps one linked to Facebook and one to email), as you may have canceled the wrong one.
Similar Charges
- SPOTIFY USA
- SPOTIFY AB
- SPOTIFY P
- SPOTIFY PREMIUM
- SPOTIFY 877-778-4281