What exactly is the SPOTIFY* charge on my bank statement?

The SPOTIFY* charge is the billing descriptor Spotify uses when charging your credit or debit card for a Spotify Premium subscription. It appears monthly and reflects your chosen plan's cost.

Why does the charge say SPOTIFY* instead of just SPOTIFY?

The asterisk in SPOTIFY* is a standard merchant formatting convention used by payment processors. It distinguishes the subscription billing entry from other potential Spotify transactions and is completely normal.

Can I get a refund for a SPOTIFY* charge?

Spotify's policy generally does not offer refunds for subscription periods already used, but if you were charged after cancelling or were billed in error, contact Spotify support at spotify.com/contact to request a refund.

How do I cancel my Spotify subscription to stop SPOTIFY* charges?

Log into spotify.com, go to Account > Subscription, and click 'Change Plan' then select 'Cancel Premium.' Your SPOTIFY* charges will stop after your current billing period ends.

How do I stop future SPOTIFY* charges from appearing on my card?

Cancel your Spotify Premium subscription via your account settings and remove your payment method from Spotify's billing section. You can also contact your bank to block future SPOTIFY* transactions if needed.

Home›Browse Charges›Streaming›SPOTIFY*

SPOTIFY* Charge (What It Is + Is It Legit?)

✓ Legitimate

The "SPOTIFY*" charge is from Spotify. Spotify music streaming charge.

🌍 US🕐 7 min read📅 Updated May 22, 2026

Spotify

Spotify music streaming charge.

SPOTIFY*

Understanding this descriptor

Spotify uses the truncated descriptor "SPOTIFY*" on bank statements because their payment processing system appends an asterisk to distinguish the base company name from additional billing details that may follow, such as a subscription tier or regional identifier, depending on your bank's character display limits. This format is a common practice among major subscription services, and Spotify adopted it to ensure their name remains clearly identifiable even when the full transaction string gets cut off by a financial institution's display system. If you see "SPOTIFY*" on your statement alongside a charge of around $10.99, it almost certainly reflects your monthly Spotify Premium subscription renewing as scheduled.

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Recommended actions

Confirm Your Spotify Subscription

Log into your account at spotify.com and navigate to your subscription settings to verify that your current plan matches the amount charged as SPOTIFY* on your bank statement.

Check Which Plan You Are Paying For

At spotify.com/account, review whether you are on Spotify Free, Premium Individual, Duo, Family, or Student, as each plan carries a different price point that should match your SPOTIFY* charge.

Review Your Spotify Billing History

Visit spotify.com/account and look under the billing section to see a full history of past SPOTIFY* charges, confirming the charge amount and billing date align with your expected renewal cycle.

Cancel or Downgrade if Needed

If you no longer want to be billed as SPOTIFY*, go to spotify.com/account and select the option to cancel your Premium plan or switch to a lower-cost tier before your next billing date to avoid future charges.

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How to cancel Spotify

Spotify bills you Monthly. To stop future charges, cancel from your account directly.

Cancel at Spotify

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Is this charge fraudulent?

No, this is a legitimate charge from Spotify. However, if you did not authorize this charge or cancelled your subscription, you may be eligible for a refund.

ℹ️ Note

In most cases, seeing SPOTIFY* on your statement simply means your Spotify Premium subscription has renewed for the month. Spotify charges $10.99/month for Individual plans, and this is one of the most commonly recognized subscription charges on bank statements in the US. If you or someone in your household uses Spotify, this charge is almost certainly legitimate.

Is the SPOTIFY* Charge Legitimate or Fraud?

If you see SPOTIFY* on your bank or credit card statement, this charge is almost certainly a legitimate billing from Spotify, the popular music and podcast streaming service. Spotify uses the merchant descriptor SPOTIFY* for all subscription-related billing, including Premium individual, Duo, Family, and Student plans.

Common legitimate reasons you may see a SPOTIFY* charge include:

Your monthly Spotify Premium subscription renewal
An upgrade from Spotify Free to a paid Spotify Premium tier
A Spotify Gift Card or prepaid plan redemption billing
A Spotify Family or Duo plan billed to the plan owner's account

However, if you have never signed up for Spotify or recently cancelled your subscription, the SPOTIFY* charge could indicate unauthorized use of your payment details or a family member's forgotten subscription. Always verify before assuming fraud.

How to Verify the SPOTIFY* Charge

1
Log into your Spotify account
Visit spotify.com and sign in. Go to Account > Subscription to see your current plan and billing date, which should match the SPOTIFY* charge on your statement.
2
Check your email for Spotify receipts
Search your inbox for emails from no-reply@spotify.com. Spotify sends a receipt every billing cycle that will confirm the amount matching the SPOTIFY* transaction.
3
Review your Spotify billing history
Inside your Spotify account dashboard, navigate to Account > Payment > See your billing history to see a full list of past SPOTIFY* charges and their dates.
4
Check if a household member subscribed
Ask family members or roommates if they signed up for Spotify using your payment method. Spotify Family plans are billed to one account owner who covers all members.
5
Contact Spotify support directly
If you still cannot identify the SPOTIFY* charge, reach out via spotify.com/contact or the Spotify app's Help section to have an agent look up the transaction by amount and date.

How to Dispute a SPOTIFY* Charge

1
Act within 60 days of the charge
Most banks require disputes to be filed within 60 days of the SPOTIFY* charge appearing on your statement. Check your card's dispute policy and act quickly to preserve your rights.
2
Contact Spotify support first
Visit spotify.com/contact and explain the unauthorized SPOTIFY* charge. Spotify may issue a refund directly, which is faster than a bank dispute and avoids a lengthy chargeback process.
3
File a chargeback with your bank
If Spotify does not resolve the issue, call the number on the back of your card and formally dispute the SPOTIFY* charge. Provide any email receipts or account screenshots as evidence.
4
Request a new card number
If the SPOTIFY* charge appears to be fraudulent and unauthorized, ask your bank to issue a new card number to prevent any further unauthorized charges from appearing on your account.