How to Check Your Xbox Gift Card Balance (Console, PC, Phone and Web)
October 18, 2026 · Updated November 2, 2026
An Xbox gift card doesn't keep its own balance after you redeem it: the money becomes Microsoft account balance. To check it, sign in at account.microsoft.com and open Payment options under Payment and billing, or look under Account and Payment and billing in your Xbox settings. A card you haven't redeemed yet can't be checked online; the amount printed on it is its value.
Key facts
- Redeemed Xbox gift card money becomes Microsoft account balance.
- The balance shows on your Microsoft account's payment options page and in Xbox settings.
- Unredeemed cards have no online balance check; avoid sites offering one.
- When a purchase exceeds your balance, Microsoft takes what's there and asks for another method for the remainder.
- Balance can't be transferred to another account.
Here's how to do that on every device, plus how to check a card you haven't redeemed yet.
On the web (the most reliable way)
- Go to account.microsoft.com and sign in with the same account you use on your Xbox.
- Open Payment & billing, then Payment options (on some layouts it's just called Payments).
- Your Microsoft account balance is listed with your payment methods.
This page always shows the current balance, so use it if the console or app seems out of date.
On an Xbox Series X|S or Xbox One
- Press the Xbox button to open the guide.
- Go to Profile & system → Settings → Account → Payment & billing.
- Your balance is shown at the top.
Menu names change a little between console updates. If you can't find it, the web method above always works.
On a Windows PC
Open the Xbox app or the Microsoft Store app, select your profile picture, and look for your account balance or Payment & billing. Both open the same Microsoft account page as the website.
On your phone
Open a browser, go to account.microsoft.com, sign in and follow the web steps above. The Xbox mobile app is built for games, friends and remote downloads. It isn't a reliable place to see your balance.
How to check a card you haven't redeemed
An unredeemed Xbox gift card has no balance to check. Its value is printed on the card or in the email it came in, and it doesn't go down until you redeem it.
If you're not sure what a code is worth, go to redeem.microsoft.com and enter it. Microsoft shows you what the code is for before you confirm. If you don't want to add it yet, just close the page without confirming.
Our step-by-step Xbox redeem guide covers redeeming on every device.
The balance looks wrong
- Wrong account. This is the most common cause. If you have more than one Microsoft account (a work one, a school one, an old email), check you're signed in to the one you redeemed the card on.
- Different currency. Your balance is in your account's currency. Cards from another country often won't redeem at all. See using an Xbox gift card from another country.
- A subscription renewed. Game Pass and other subscriptions can be paid from your balance automatically. Check Order history on account.microsoft.com for the charge.
- Promotional credit expired. Money from a promotion can have an end date, unlike money from a normal gift card. See whether gift cards expire.
- A purchase you don't recognise. Check Order history first. If it wasn't you, change your password straight away and contact Xbox Support.
What to spend it on
Your balance pays for games, add-ons, in-game currency and subscriptions. Saving for Game Pass? Our guide to covering Game Pass with gift card balance explains the renewal catch.
No card yet? XPReward lets you earn Xbox gift cards from offers. Cards start at $25 for 3,600 points, up to $100 for 14,400. Registration is free and adds 250 points to begin with.
Balance lower than you expected?
- A subscription renewed. Game Pass and other subscriptions take from your balance first.
- An in-game purchase. Small currency packs add up quickly; check Order history.
- You're on a different account. Make sure you're signed in to the account you redeemed on.
- A family member spent it. Purchase notifications in Microsoft Family Safety show who bought what.
Checking from your phone
The Xbox mobile app may not show your balance on every version, but a phone browser works: open account.microsoft.com, sign in, and go to Payment options under Payment and billing. It's the same balance you'd see on a console or PC, because it belongs to your Microsoft account.
Frequently asked questions
How do I check my Xbox balance on the console?
Open Settings, then Account, then Payment and billing, where your Microsoft account balance is shown.
Why does my Xbox balance show less than my gift card?
Usually a subscription renewal or a purchase used part of it. Check Order history on your Microsoft account.
Can I move my Microsoft balance to another account?
No. Once a card is redeemed, the balance stays on that Microsoft account, so check who's signed in before redeeming.
Is there a website that checks Xbox card balances?
Not an official one for unredeemed cards. Sites offering to check a code may steal it, so only enter codes at xbox.com/redeem or in the Microsoft Store.
Sources
Facts checked on 2 November 2026 against: