Add a new bank or credit card to your Microsoft account

How to add a new payment method to your Microsoft personal account

To add a new credit card, bank card or other payment method to your Microsoft account, follow the steps below:

1. Select Sign in below to go to the Payment options page of your Microsoft account dashboard.

   Sign in

2. Add the new details by selecting Add a new payment method.

   Note

   Make sure you enter all details correctly. If your card is not accepted, try adding the postal code with and without spaces.

3. The payment method will show up as an option during the checkout step for your next online purchase.

Add a new payment method for a different country

To add a payment method for another country, you must change your country before adding the card.

1. Change your account's country or region first, by selecting Your info then Edit profile info.

   Sign in

2. Once updated, go to the Payment options page of your Microsoft account dashboard.

3. Add the new details by selecting Add a new payment method.

Add a mobile phone as payment method

1. In Microsoft Store, select Buy. If asked, sign in with your Microsoft account.
2. Select Get Started! Add a way to pay or Change > Add a new payment method.
3. Select Mobile phone.
4. Select your mobile operator from the list, enter your phone number, and then hit Next.
5. To make sure its really you, well send you a code via text message. Enter the code and hit Next.
6. Check the terms and payment details, and then hit Buy.

Mobile operator billing

The Microsoft Store offers mobile operator billing as a payment method in various countries/regions. If a customer's mobile operator supports this capability, the customer can add mobile operator billing as a payment method and use it to make Store purchases using their mobile account. The table below lists mobile operators that currently support mobile operator billing with Microsoft: 

See also

Update an existing payment method

Remove a payment method

Change your subscription payment method

Redeem a gift card or code to your Microsoft account

Need more help?

How to investigate a billing charge from Microsoft

Troubleshoot payment option issues

Contact Support

For pre-sales support, or issues with purchasing, contact Sales support.

How to add a new payment method to your Microsoft work account

About payment methods

Payment methods for business purchases are linked to your billing profile in Microsoft 365 admin center, not to a personal Microsoft account. You need a Work account with billing permissions to manage payment methods. 

Add or change a payment method

During checkout

The easiest way to add a payment method is during your first purchase:

Proceed to checkout. 

1. In the Payment section, select Add or Change a payment method. If this option isn’t available, check with your administrator to request changes or access to billing permissions.
2. Enter your payment details and billing address
3. Save your changes.

Update an existing payment method in Microsoft 365 admin center 

Authorized users can update details like the expiration date, billing address, or name on an existing payment method.

1. Open Microsoft 365 admin center.
2. Go to Billing, then Payment methods.
3. If you have access, you can update your payment methods and Save your changes.

Troubleshooting

My payment was declined

• Verify your payment details are correct.
• Confirm your billing address matches your payment provider's records.
• Check that your bank or payment provider isn't blocking the transaction.
• Make sure you have sufficient funds or credit.

I don't see the option to add or edit payment methods

You may not have billing permission. Contact your IT administrator for billing access. 

Need more help?

Make a purchase with your work account

View your order history

Shopping with your work account at the Microsoft Store

Call Microsoft Sales Support at 1-800-642-7676 (Monday–Friday, 6 AM–6 PM PT)