topic Credit card country vs. account country in Subscriptions

Credit card country vs. account country

fm334 — Mon, 05 Jul 2021 09:34:32 GMT

Hi, I tried to register for a premium account, but when it comes to payment detail I'm not able to enter the credit card details (I only get the message 'Your payment method does not match your country')
So, I'm living in Austria, but due to the near of the border to Germany, I only have a german credit card / bank account.
What to do?
I mean when I switch the spotify account to Germany it is not correct, because I'm living in Austria and not in Germany. Most of the time I will use the account in Austria unless I'm doing some walk over the border to germany.
I've never had payment issues like this when registering for other streaming services like Netflix, Prime, Disney, etc...

It is really strange that there exists such kind of issues within the european union ...?!

Would it be a solution to use PayPal instead?

Re: Credit card country vs. account country

Maxim — Wed, 21 Jan 2026 10:06:38 GMT

Hey @fm334 ,

Thanks for coming to the Community 🙂

The payment method must always match the country that has been set in your account's country setting. In your current situation, this would be Austria.

I'd also like to let you know that you could use your German payment method to sign up for Premium when you are in Germany. Once successfully signed up, you can travel anywhere and still enjoy Premium, as long as it renews every month.

For some additional info, you can check out this support article.

Hope this clears things up!

Re: Credit card country vs. account country

fm334 — Tue, 06 Jul 2021 06:58:58 GMT

That's really weird .... I mean I can use my credit card anywhere and at no other place than Spotify the country where the credit card is registered has to match my living country.
Does this make any sense?
Anyway, I found a way to register ... strange things are happening in the modern world 😉

Re: Credit card country vs. account country

Jeremy — Wed, 21 Jan 2026 10:01:45 GMT

Hi there @fm334,

Thank you for your reply.

We're glad to see that everything works as it should for you 🙂
Let us know if we can help you with anything else.

Take care!

Re: Credit card country vs. account country

fdicct — Thu, 24 Nov 2022 11:09:05 GMT

I have a similar issue. I'm Belgian, moved to Sweden earlier this year. I cannot set my region to Belgium because my IP is in Sweden but I only have a Belgian credit card so I'm unable to pay. Other streaming services don't require you to use a credit card that matches the country you are staying in so I find it really weird and frankly very annoying that Spotify does. My Belgian credit card is still valid until 2026 so I intend to use it until then and I've never had a problem using it anywhere except when trying to pay for a Spotify account.

Re: Credit card country vs. account country

fm334 — Fri, 25 Nov 2022 10:30:05 GMT

My solution was to get a credit (or) debit card from the country (in your case sweden) which was possible for me with no additional annual cost and do the payment from this card. somehow ridiculous, but it works

Re: Credit card country vs. account country

edtaylor41 — Fri, 05 May 2023 19:11:32 GMT

I am having a similar issue. Unfortunately I cannot find a solution and, after many years, will have to switch to another streaming service. I really like Spotify and use it everyday. Such a shame they have this strange rule.

Re: Credit card country vs. account country

Namata305 — Thu, 27 Jul 2023 18:35:23 GMT

Allow users to use their cards anywhere to process payment rather than use a particular card from a particular country.

Re: Credit card country vs. account country

jddelsignore — Fri, 06 Oct 2023 17:13:19 GMT

Same issue here... Guess I'll look somewhere else. It's just disappointing. I've never seen something like this before. 🙄

Re: Credit card country vs. account country

Peka228 — Sun, 29 Oct 2023 19:31:09 GMT

Absolutely agree with people above. This situation is unacceptable! I can pay with my card worldwide, but Spotify think differently.

I CANT PAY FOR MY SPOTIFY PREMIUM ANYMORE IN TURKEY REGION

EmilyUko — Sun, 12 Jan 2025 19:39:24 GMT

None if my cards are working in any region and I am currently in the free plan. How can this be fixed?!

Plan

Free/Premium

Country

Turkey

Device

iPhone 11

Operating System

(iOS 10, Android Oreo, Windows 10,etc.)

My Question or Issue

Payment by card does not match the country

juliiavahner — Wed, 21 Jan 2026 10:10:47 GMT

I live in Spain but want to use my American credit card to pay for my subscription. But Spotify doesn't accept it. How can I change this? Why do I have to pay with a Spanish card? I have a family subscription and we all live in Spain at the moment, so I can't just change countries. My husband is from America, my card is American.