Charge Explainer
§ 01 · DESCRIPTOR

What is SPOTIFY P0A1B2C3D4 on your bank statement?

Here's what this charge most likely is, grounded in our prefix dictionary and what the descriptor itself contains.

High confidence

This appears to be a recurring subscription charge from Spotify, the music and podcast streaming service.

Most likely: Spotify
a music and podcast streaming service
Processed by: Spotify
Spotify bills subscribers directly — there is no third-party payment processor involved. The alphanumeric code after 'SPOTIFY' is an internal transaction reference used by Spotify's billing system.
Category
Music Streaming

Doesn't look right? Things you could check:

  • Check your Spotify accountLog in to Spotify and check Settings > Account > Subscription to see your current plan and billing date.
  • Look for a receipt emailYour email inbox may have a receipt from Spotify around the date of this charge.
  • Consider shared plansIf you share a plan with others, a family or duo plan charge may appear on one person's statement for the whole group.
  • Review trial or plan changesSpotify offers free trials for premium plans; checking your subscription start date can clarify whether a trial recently ended.
WHAT THE DESCRIPTOR TELLS US

A charge from Spotify, the music streaming service. This is typically a recurring subscription billed directly by Spotify.

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RELATED DESCRIPTORS
  • SPOTIFY

    This charge is from Spotify, the music and podcast streaming service, and is most likely a recurring subscription payment.

  • SPOTIFY P0ABC12345

    This appears to be a recurring subscription charge from Spotify, the music and podcast streaming service.

  • SPOTIFY USA

    This charge is from Spotify, the music and podcast streaming service, most likely for a recurring subscription.

  • ACH WEB PYMT BILLPAY

    This appears to be an electronic bill payment made through your bank's online bill pay service via the ACH network.

The SPOTIFY prefix has its own page: What does SPOTIFY mean on a statement?