Change your payment method through the SiriusXM website or app in under five minutes

Log into your SiriusXM account on the website or mobile app, go to Account Settings, then select Payment Method or Billing. You'll see your current card or bank account listed. Click Edit or Update, enter your new payment details, and save. The change takes effect immediately for your next billing cycle. If you're changing because your current card was declined, update it right away to avoid service interruption.

You can also call SiriusXM customer service at 1-888-539-7474 to change your payment method over the phone. A representative can update your information while you're on the call, which takes about ten minutes. This route works well if you're not comfortable entering payment details online or if you want to ask about your account at the same time.

Key Takeaways

  • The fastest way to change your payment method is through your SiriusXM account online or in the mobile app under Account Settings or Billing.
  • SiriusXM accepts credit cards, debit cards, and bank accounts (ACH transfers), so you can switch between any of these payment types.
  • Your new payment method becomes active for your next scheduled billing date, not immediately.
  • If your current payment method fails, update it as soon as you get a declined notice to prevent your service from being suspended.
  • You can call customer service at 1-888-539-7474 if you prefer to make the change by phone instead of online.

What payment methods SiriusXM accepts

SiriusXM takes credit cards (Visa, Mastercard, American Express, Discover), debit cards, and bank accounts via ACH (Automated Clearing House). When you add a bank account, you'll provide your routing number and account number, and SiriusXM will pull the payment directly from your checking or savings account on your billing date.

If you're switching from a credit card to a bank account or vice versa, the process is the same: go to your payment method settings and add the new one. You can also save multiple payment methods on file, which is useful if you want a backup in case one card gets declined.

Steps to change your payment method online

On the SiriusXM website: Sign in to your account at siriusxm.com. Click on your name or profile icon in the top right corner, then select Account. Look for Billing or Payment Method (the exact label varies by account type). Click Edit or Update next to your current payment information. Enter your new card number or bank account details, including the expiration date and CVV for cards, or routing and account numbers for bank accounts. Click Save or Confirm.

On the SiriusXM mobile app: Open the app and tap the menu icon (three horizontal lines). Go to Account, then Billing or Payment Method. Tap Edit or Update, enter your new payment details, and tap Save. The app walks you through the same fields as the website.

After you save, you'll see a confirmation message. Your old payment method stays on file until your next billing date, when SiriusXM will charge the new one. If you want to remove the old payment method entirely, you can delete it from your payment settings once the new charge has gone through.

Changing your payment method by phone

Call SiriusXM customer service at 1-888-539-7474. A representative will ask for your account number or the phone number associated with your account, then verify your identity by asking for your ZIP code or the last four digits of your current payment method. Tell them you want to update your payment method.

Have your new card number (with expiration date and CVV) or bank account information (routing and account number) ready. The representative will enter it into your account while you're on the phone. They'll confirm the change and tell you when it takes effect. This usually takes about ten minutes total.

Customer service hours are Monday through Friday, 6 a.m. to 2 a.m. Eastern time, and Saturday and Sunday, 7 a.m. to midnight Eastern time. Wait times vary depending on call volume.

What happens if your payment method is declined

If your card or bank account is declined, SiriusXM will send you an email notification. You typically have a grace period of a few days to update your payment method before your service is suspended. Log into your account and update your payment information as soon as you see the notice.

If your service does get suspended due to a failed payment, you can reactivate it immediately after you update your payment method and the charge goes through. You won't lose your account or your presets; everything will be exactly as you left it. However, if you wait too long without updating your payment method, SiriusXM may close your account entirely, and you'll have to sign up again.

Timing: when your new payment method takes effect

Your new payment method becomes active on your next scheduled billing date. If you change your payment method on the 15th of the month and your billing date is the 20th, SiriusXM will charge your new card or bank account on the 20th. Your old payment method will not be charged again after you update it.

If you're changing your payment method because your current one is about to expire (for example, a card that expires at the end of the month), update it before your billing date to avoid a declined charge. SiriusXM does not automatically update expiration dates on file, so you have to do it manually.

Removing an old payment method

Once your new payment method has been charged successfully, you can delete your old payment method from your account if you want to. Go to Account Settings or Billing, find your payment methods list, and click Delete or Remove next to the old one. This is optional—keeping an old card on file as a backup is fine if you want to.

If you're deleting a payment method because it was compromised or stolen, also contact your bank or credit card company to report it and request a new card. SiriusXM will not charge a card you've deleted from your account, but the card issuer may still have SiriusXM listed as a merchant with recurring charges, so notifying them ensures a clean break.

Frequently Asked Questions

Can I change my payment method if my account is suspended?

Yes. If your service was suspended because of a failed payment, updating your payment method will reactivate your account. Log in or call customer service, add your new payment information, and your service should come back online within a few minutes once the charge processes.

What if I want to pause my subscription instead of changing payment methods?

You can pause your SiriusXM subscription for up to three months without being charged. Go to Account Settings and look for Pause Subscription or Manage Subscription. This stops billing without closing your account, so you won't lose your presets or listening history.

Do I have to update my payment method if I get a new card with the same account number?

Yes. Even if your bank account number stays the same, a new card has a different expiration date and CVV, so you need to update those details in your SiriusXM account. Your old card will be declined on your next billing date if you don't.

Can I use a prepaid card or virtual card number with SiriusXM?

Most prepaid cards and virtual card numbers work with SiriusXM as long as they're Visa, Mastercard, American Express, or Discover. However, some prepaid cards decline recurring charges, so test it by making the change and seeing if your first charge goes through. If it's declined, switch to a different payment method.

How long does it take for a payment method change to show up in my account?

The change appears in your account settings immediately after you save it. However, SiriusXM won't charge the new payment method until your next billing date. If you need to verify the change went through, log back into your account and check your payment method settings.