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Spotify charge on bank statement — what every billing code means
Spotify appears under different names on different banks' statements — SP SPOTIFY, SPOTIFY USA, even SPOTIFY AB (the Swedish company). Here's what each one means and how to verify any charge.
April 14, 2026 · 4 min read
Quick answer
SP SPOTIFY or SPOTIFY USA on your statement is your Spotify Premium subscription. "SP" stands for Spotify in payment processor records. Spotify bills monthly on your signup anniversary date. Current US prices: Individual $11.99/mo, Duo $16.99, Family $19.99, Student $5.99.
Every Spotify billing descriptor
| Code | What it means | Example |
|---|---|---|
| SP SPOTIFY | Standard Spotify Premium subscription — most common descriptor in the US and UK | SP SPOTIFY P2OAWBTDE4 |
| SPOTIFY USA | Spotify billed from their US entity — same subscription, different bank display | SPOTIFY USA 877-507-0116 |
| SPOTIFY AB | Spotify billed from their Swedish parent company (Spotify AB, Stockholm) | SPOTIFY AB STOCKHOLM SE |
| SPOTIFY.COM | Spotify web billing — appears when billed directly from Spotify's website | SPOTIFY.COM 877-507-0116 |
| SPOTIFY PREMIUM | Full-name descriptor — less common but appears on some bank statements | SPOTIFY PREMIUM $10.99 |
| PAYPAL *SPOTIFY | Spotify billed through PayPal — your payment method in Spotify is a PayPal account | PAYPAL *SPOTIFY $10.99 |
Spotify Premium plans (US prices)
Individual
1 account, ad-free listening, offline downloads
$11.99/mo
Duo
2 accounts for couples living together
$16.99/mo
Family
Up to 6 accounts, must live at the same address
$19.99/mo
Student
Verified students only — includes Hulu with ads
$5.99/mo
How to check your Spotify billing history
1.
Go to spotify.com/account (or open the Spotify app and tap Home → Settings → Account).
2.
Click Subscription to see your current plan, price, and next billing date.
3.
Click View invoice history (bottom of the Subscription page) to see all past charges and dates.
4.
If you signed up through Apple's App Store or Google Play, check subscriptions there — Spotify's website won't show Apple/Google billing history.
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Frequently asked questions
What is the SP SPOTIFY charge on my bank statement?
SP SPOTIFY is Spotify's standard billing descriptor for Spotify Premium subscriptions. 'SP' stands for Spotify — it's how they appear in payment processor records. The charge is your monthly Spotify Premium fee. If you see a reference code after it (like P2OAWBTDE4), that's a transaction ID, not an account identifier.
Why is my Spotify charge a different amount than usual?
Common reasons: Spotify raised its prices (they've increased several times since 2023), you changed plans (Individual to Family or Duo), a free trial period ended, or you were charged in a different currency if your billing address changed. Check spotify.com/account → Subscription to see your current plan and price.
I cancelled Spotify — why am I still being charged?
Spotify charges you through the end of your paid period after cancellation — you keep Premium access until then. If you're seeing a charge after that, verify the cancellation in your Spotify account settings. Also check if you subscribed through Apple (App Store subscriptions) or Google Play — cancelling on Spotify's website won't cancel a subscription managed through those platforms.
What is the Spotify Family plan and who gets charged?
Spotify Premium Family covers up to 6 accounts under one household. The plan owner (the person who set it up) is charged the full Family plan price ($16.99/month). Other family members don't see a separate Spotify charge — they're included on the owner's single subscription.
Can I get a refund for a Spotify charge?
Spotify generally doesn't offer refunds for subscription charges once the billing period starts. However, if you were charged after cancelling, or charged twice in the same month, contact Spotify support at support.spotify.com — they do resolve billing errors. For charges made through Apple or Google Play, request the refund through those platforms.
Is SPOTIFY AB on my statement a scam?
No. Spotify AB is Spotify's official legal entity — the company is registered in Sweden as Spotify AB (Aktiebolaget, the Swedish equivalent of LLC). Some banks display the legal company name instead of the brand name. If you have Spotify Premium and see a charge from SPOTIFY AB, it's your legitimate subscription.
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