Why does SPOTIFY *SUBSCRIPTION appear on my bank statement?

Spotify uses the billing descriptor 'SPOTIFY *SUBSCRIPTION' when charging customers for any Premium plan. If you have an active Spotify Premium account, this is the expected charge format you will see on your statement each billing period.

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

Banks display a merchant descriptor code rather than a brand name. Spotify registers 'SPOTIFY *SUBSCRIPTION' as their official billing descriptor to help distinguish subscription charges from other Spotify transactions.

Can I get a refund for a SPOTIFY *SUBSCRIPTION charge?

Spotify's refund policy is limited, but if you were charged after cancelling or during a free trial error, contact Spotify Support at spotify.com/contact. Spotify may issue a one-time courtesy refund for accidental charges.

How do I cancel my Spotify subscription to stop these charges?

Log into your account at spotify.com, go to Account > Subscription, and click 'Change Plan' then select 'Cancel Premium'. Your SPOTIFY *SUBSCRIPTION charges will stop at the end of your current billing period.

How do I stop future SPOTIFY *SUBSCRIPTION charges permanently?

Cancel your Spotify Premium plan via your account settings and remove your saved payment method under Account > Payment. If charges continue, contact Spotify Support and your bank to block future billing.

Home›Browse Charges›Streaming›SPOTIFY *SUBSCRIPTION

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

✓ Legitimate

The "SPOTIFY *SUBSCRIPTION" charge is from Spotify. Spotify Premium monthly subscription.

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

Spotify

Spotify Premium monthly subscription.

SPOTIFY *SUBSCRIPTION

What is this charge?

Spotify processes its recurring subscription payments through a billing system that prefixes charges with an asterisk to distinguish them as subscription-based transactions, which is why you see "SPOTIFY *SUBSCRIPTION" rather than simply "Spotify" on your bank statement. The asterisk format is commonly used by digital subscription services to help payment networks flag the charge as a recurring billing event, giving both banks and cardholders a quick visual cue that it's an ongoing commitment rather than a one-time purchase. If you're seeing this $10.99 monthly charge, it corresponds to your Spotify Premium plan billed directly through Spotify's own payment infrastructure.

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How to handle this charge

Visit spotify.com and log into your account to confirm you are subscribed to Spotify Premium. Check your subscription details to ensure the plan type and billing amount match the SPOTIFY *SUBSCRIPTION charge on your statement.

Review your Spotify billing history

Inside your Spotify account settings, navigate to your billing section to view past invoices and payment dates. This will confirm the SPOTIFY *SUBSCRIPTION charge is a legitimate recurring monthly payment and not a duplicate or unexpected charge.

Check for shared or family plan usage

If you share a Spotify Premium Family or Duo plan, verify with other members that the account is still active and being used. The SPOTIFY *SUBSCRIPTION charge covers all users under the plan, so make sure you are getting full value from the subscription.

Cancel if you no longer want the subscription

If you no longer wish to be charged for Spotify Premium, go to spotify.com/account and follow the steps to cancel your subscription. Canceling will stop future SPOTIFY *SUBSCRIPTION charges from appearing on your bank statement at the end of your current billing cycle.

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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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Quick fraud check

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 *SUBSCRIPTION" on your statement is completely normal. Before assuming fraud, check your recent purchases — most mystery charges have a simple explanation.

Is the SPOTIFY *SUBSCRIPTION Charge Legitimate or Fraud?

If you see SPOTIFY *SUBSCRIPTION 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 this exact descriptor when billing customers for their Premium plans, including Individual, Duo, Family, and Student tiers.

Common reasons you may see the SPOTIFY *SUBSCRIPTION charge include:

You signed up for a Spotify Premium Individual, Duo, Family, or Student plan
Your free trial period ended and Spotify automatically converted your account to a paid subscription
A family member added you to a Spotify Family plan or upgraded a shared account
Spotify processed your annual subscription renewal automatically at the start of a new billing cycle

However, if you have never signed up for Spotify and do not recognize this charge, it could indicate unauthorized account creation using your payment details, and you should take steps to investigate immediately.

How to Verify the SPOTIFY *SUBSCRIPTION Charge

1
Log into your Spotify account
Visit spotify.com and sign in. Go to Account > Subscription to confirm your current plan type and the amount Spotify is billing you each month or year.
2
Search your email for Spotify receipts
Search your inbox for emails from 'no-reply@spotify.com'. Spotify sends a receipt each time a SPOTIFY *SUBSCRIPTION charge is processed, showing the exact amount and date.
3
Check your Spotify billing history
Inside your Spotify account, navigate to Account > Payment > View billing details to see a full history of all SPOTIFY *SUBSCRIPTION charges made to your card.
4
Ask household members
Check with family members or roommates — someone in your household may have signed up for a Spotify Premium plan or Family plan using a shared payment method.
5
Contact Spotify Support
If you still cannot identify the charge, contact Spotify directly at spotify.com/contact or via the Spotify app chat to ask which account is linked to your payment method.

How to Dispute a SPOTIFY *SUBSCRIPTION Charge

1
Act within 60 days of the charge
Most banks require disputes to be filed within 60 days of the SPOTIFY *SUBSCRIPTION charge appearing on your statement. Act quickly to preserve your right to a chargeback.
2
Contact Spotify Support first
Reach out to Spotify at spotify.com/contact to report the unauthorized charge. Spotify may issue a refund directly, which is faster than a bank dispute.
3
Cancel the Spotify subscription
If the SPOTIFY *SUBSCRIPTION charge is unauthorized, log into Spotify and cancel the subscription immediately under Account > Subscription to prevent future billing.
4
File a chargeback with your bank
If Spotify does not resolve the issue, call the number on the back of your card and file a formal dispute for the SPOTIFY *SUBSCRIPTION charge. Provide any email evidence you have.
5
Request a new card number
If fraud is confirmed, ask your bank to issue a new card number so that no further unauthorized SPOTIFY *SUBSCRIPTION charges can be made to your old payment details.