Spend the money in my Microsoft account
You can spend money in your Microsoft account to buy various products, services, software and content from the Microsoft Store.
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Products include Xbox, Surface, phones, PCs and accessories
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Content includes some apps, games, movies, and TV shows.
Notes:
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Money in your Microsoft account can't be used to shop at Microsoft Store retail locations, or to get cash, gift certificates, or similar payment products, except when required by law.
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Only Xbox subscriptions can be bought with a Gift Card.
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