Change your payment method through your online account or by phone
You can update your SiriusXM payment method in two ways: through your online account dashboard or by calling SiriusXM customer service at 1-888-539-7474. The online route is faster if you have your account number and new card details ready. The phone route works if you prefer speaking to someone or if you run into trouble accessing your account online.
Both methods take about five to ten minutes. Your new payment method becomes active when ready, so your next billing cycle will charge the card or account you just entered. If you're changing methods because your current card is expiring or was declined, update it before your next scheduled charge date to avoid service interruption.
Key Takeaways
- Log into your SiriusXM account online, go to Account Settings, and select Payment Method to change your card or bank account without calling.
- Your new payment method takes effect right away and will be used for your next billing charge.
- If you cannot access your account online, call 1-888-539-7474 and have your account number and new payment details ready.
- Changing your payment method does not affect your subscription plan, renewal date, or any active promotions.
- If a payment fails after you update your method, SiriusXM will attempt to charge again within a few days before suspending service.
Steps to change your payment method online
Start by going to siriusxm.com and signing into your account with your email and password. Once you're logged in, look for Account Settings or My Account in the top menu or sidebar. Click on Payment Method or Billing Information — the exact label varies depending on whether you're on the main SiriusXM site or the SiriusXM+ app.
You'll see your current payment method listed. Click Edit or Update next to it. Enter your new card number, expiration date, and CVV, or provide your bank account and routing number if you're switching to automatic bank transfer. Review the information for typos, then click Save or Confirm. You'll see a confirmation message on screen, and SiriusXM will also send a confirmation email to the address on file.
If you're using the SiriusXM mobile app instead of the website, the steps are the same: tap the menu icon, find Account or Settings, select Payment Method, and enter your new details. The app and website stay in sync, so a change made in one appears in the other within minutes.
What to do if you cannot access your account online
If you've forgotten your password, call 1-888-539-7474 and tell the representative you need to reset it. They can send a reset link to your email, or in some cases they can walk you through resetting it over the phone. Once your password is reset, you can log in and change your payment method yourself using the steps above.
If you're locked out of your account for another reason — for example, if you're getting an error message when you try to log in — the phone line can also help. Have your account number ready (it's on your billing statement or in any SiriusXM email), and the representative can verify your identity and update your payment method directly while you're on the call. This usually takes five to ten minutes.
Changing from credit card to bank account transfer
SiriusXM accepts both credit and debit cards and automatic bank transfers. If you want to switch from a card to a bank account, the process is the same: go to Payment Method in your account settings and select Bank Account instead of Card. You'll need your routing number and account number, which you can find at the bottom of any check or by logging into your bank's website.
Bank transfers typically take three to five business days to process the first time, so SiriusXM may still charge your old card for your next billing cycle if you make the switch close to your renewal date. After the first successful bank transfer, future charges will come from your bank account on schedule. If you want to avoid a double charge, call customer service and ask them to delay your next billing date by a few days while the bank account is being verified.
What happens if your payment method is declined
If a charge fails — for example, because your card was reported lost or your bank blocked the transaction — SiriusXM will attempt to charge again within a few days. You'll receive an email notification that the payment failed. Update your payment method as soon as you see that email. If you don't update it and the second attempt also fails, SiriusXM will suspend your service, usually within seven to ten days.
Suspended service can be restored when ready once you update your payment method and the charge goes through. You won't lose your account settings, presets, or subscription plan — everything picks up where it left off. However, if your account remains suspended for more than a few months, SiriusXM may close it entirely, and you'd need to reactivate as a new customer.
Removing a payment method or pausing your subscription
You cannot delete your only payment method — SiriusXM requires at least one active method on file to keep your account open. If you want to stop being charged, you have two options: pause your subscription or cancel it entirely.
To pause your subscription, call 1-888-539-7474 or contact SiriusXM through your account settings. Pausing typically lasts 30 to 90 days depending on your plan, and no charges will occur during that time. Your account and all your settings remain intact, and you can resume service whenever you're ready. To cancel your subscription, you can do the same — call or use your account settings — and your service will end on your next billing date. After cancellation, you can reactivate at any time, though you may not receive the same promotional rate you had before.
Frequently Asked Questions
Will changing my payment method affect my subscription or promotional rate?
No. Updating your payment method changes only how you're billed, not what you're paying for or how much you pay. Your subscription plan, renewal date, and any active promotions remain exactly the same.
How long does it take for a new payment method to start working?
Your new payment method is active when ready. It will be used for your next scheduled billing charge, which happens on your renewal date. If you change your method mid-cycle, the change won't affect your current billing period.
Can I have more than one payment method on file?
SiriusXM allows you to store one primary payment method. You cannot add a backup or secondary method through your account settings. If your primary method fails, you'll need to update it manually before the next charge attempt.
What if I'm changing my payment method because my card was stolen?
Update your payment method right away using the steps above. SiriusXM does not store full card numbers on its servers — only the last four digits and expiration date — so a stolen card number is lower risk than it would be with some other services. Still, contact your bank or card issuer to report the theft and request a new card with a new number.
Can I change my payment method through the SiriusXM app in my car?
No. The in-car SiriusXM app does not have account settings or payment options. You must use either the website (siriusxm.com) or the SiriusXM+ mobile app on your phone or tablet to change your payment method.