Charge Explainer
§ 01 · DESCRIPTOR

What is SPOTIFY P0ABC12345 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 here. The alphanumeric code after the name (P0ABC12345) is most likely an internal transaction or order reference used by Spotify's billing system.
Category
Entertainment / Streaming

Doesn't look right? Things you could check:

  • Check your Spotify account — Logging into spotify.com and viewing your subscription or billing history can confirm whether this charge matches a plan on your account.
  • Look for a receipt email — Spotify typically sends a payment confirmation email to the address associated with your account around the time of each billing cycle.
  • Check for family or duo plans — If you share a Spotify plan with others, the charge may cover multiple users under one subscription.
  • Review free-trial status — If you recently signed up for a free trial, Spotify begins billing automatically once the trial period ends — your account page will show the current plan and start date.
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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Paste your own variant of this descriptor — the result appears right here.

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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 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.

  • ADBL*AUDIOBOOK PURCHASE

    This appears to be a charge from Audible for a one-time audiobook purchase.

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