diff --git a/README.md b/README.md
index 0f2ffc75..40e75487 100644
--- a/README.md
+++ b/README.md
@@ -105,7 +105,7 @@ pip install -r requirements.txt
 ```
 
 5. Rename `.env.template` to `.env` and fill in your `OPENAI_API_KEY`. If you plan to use Speech Mode, fill in your `ELEVEN_LABS_API_KEY` as well.
-  - Obtain your OpenAI API key from: https://platform.openai.com/account/api-keys.
+  - See [OpenAI API Keys Configuration](#openai-api-keys-configuration) to obtain your OpenAI API key.
   - Obtain your ElevenLabs API key from: https://elevenlabs.io. You can view your xi-api-key using the "Profile" tab on the website.
   - If you want to use GPT on an Azure instance, set `USE_AZURE` to `True` and then:
     - Rename `azure.yaml.template` to `azure.yaml` and provide the relevant `azure_api_base`, `azure_api_version` and all of the deployment ids for the relevant models in the `azure_model_map` section:
@@ -145,6 +145,17 @@ Use this to use TTS for Auto-GPT
 python scripts/main.py --speak
 ```
 
+## OpenAI API Keys Configuration
+
+Obtain your OpenAI API key from: https://platform.openai.com/account/api-keys.
+
+To use OpenAI API key for Auto-GPT, you NEED to have billing set up (AKA paid account).
+
+You can set up paid account at https://platform.openai.com/account/billing/overview.
+
+![For OpenAI API key to work, set up paid account at OpenAI API > Billing](./docs/imgs/openai-api-key-billing-paid-account.png)
+
+
 ## 🔍 Google API Keys Configuration
 
 This section is optional, use the official google api if you are having issues with error 429 when running a google search.
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