Subway

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Subway is a global fast-food restaurant chain specializing in made-to-order submarine sandwiches, wraps, salads, and bowls sold primarily through franchise-operated locations.

Shelton, Connecticut, United States
subway.com
Owned by Roark Capital Group

About Subway

Subway is a global fast‑food restaurant chain best known for its made‑to‑order submarine sandwiches, wraps, salads, and bowls. Operating primarily through franchise-owned locations, Subway allows customers to customize their meals with a wide variety of breads, proteins, cheeses, and toppings. In addition to in‑store purchases, many locations support online and in‑app ordering, catering, and third‑party delivery through services like Uber Eats, DoorDash, and Grubhub. The brand is headquartered in Shelton, Connecticut, United States, and processes payments both directly and via its franchise operators worldwide.

A Subway charge on your bank or card statement typically appears after you purchase food or beverages in a restaurant, through the Subway app or website (subway.com), or via a third‑party delivery platform. You may see charges for one‑time in‑store purchases, mobile orders, catering orders, or digital gift card purchases. If you’ve joined a Subway rewards program or saved your card in the app, you might see recurring or repeated charges on days you regularly place orders, though Subway itself does not generally run subscriptions for food. Some banks may also show temporary authorization holds (often slightly higher than your ticket total, or a small test amount) when your card is first swiped or when you place an online order; these holds usually drop off within a few days and are replaced by the finalized purchase amount.

If you’re unsure about a Subway charge, start by checking recent receipts, email confirmations from subway.com or the Subway app, and order histories in your food‑delivery apps. Compare the date and amount to times you or someone in your household may have ordered food at Subway or placed a catering or delivery order. For issues such as incorrect amounts, duplicate charges, or unauthorized transactions, contact the specific Subway location listed on your receipt (or visible in your order history) or use the customer support options at subway.com, where you can submit feedback or locate restaurant phone numbers. If you cannot verify the charge or suspect fraud, contact your bank or card issuer promptly to dispute the transaction and request a new card if needed.

Bank Statement Variations

14 known variations

These are the raw merchant codes that appear on bank and credit card statements that we've identified as belonging to Subway.

  1. SUBWAY EAST PERTH EAST PERTH AUS
  2. SUBWAY EAST TAMAKI\2E KERWYN AVENUE\EAST
  3. SUBWAY EIGHT MILE PL EIGHT MILE PL AUS
  4. SUBWAY MCGRATHS HILL MCGRATHS HILL AUS
  5. SUBWAY PARKES PARKES AUS
  6. SUBWAY WESTFIELD KOT KOTARA AUS
  7. Subway 5457
  8. Subway Akl Domes Airpr Auckland NZL
  9. Subway Albany Albany AUS
  10. Subway Bunbury 6282 Bunbury AUS
  11. Subway Bunbury Bunbury AUS
  12. Subway Kununurra Kununurra AU
  13. Subway Tullamarine Melbourne Ai AU
  14. Westfield Kotara Kotara AUS

Frequently Asked Questions

Why do I see a Subway charge on my card when I only remember buying a small meal?

Subway transactions can include tax, add‑ons (extra meat, bacon, avocado, double cheese), beverages, cookies, and tips, which may make the final total higher than the base sandwich price you recall. Also, if multiple items were purchased on a single ticket (for example, you paid for friends or family), the full combined cost will appear as one charge on your statement.

What are typical Subway charge amounts I might see on my bank statement?

Typical in‑store Subway purchases in the U.S. often range from about $7–$20, depending on the size and type of sandwich or bowl, add‑ons, and drinks. Larger totals, such as $30–$100 or more, usually reflect catering orders, multiple meals on a single check, or delivery orders that include service fees, delivery fees, and tips. Prices vary by location, region, and any running promotions.

Why do I see a small or temporary Subway charge (like $1–$5) that later disappears?

Some Subway locations and online ordering systems place a temporary authorization hold on your card to verify that the payment method is valid. This hold may appear as a small amount or as the estimated order total while the transaction is being processed. It should automatically adjust to the final purchase amount or disappear within a few business days, depending on your bank’s policies.

I was charged by Subway through a delivery app—who do I contact for billing issues?

If your charge is tied to an order placed via Uber Eats, DoorDash, Grubhub, or another delivery platform, you should first contact that app’s customer support through its Help or Orders section. The delivery provider usually manages billing, refunds, and adjustments for delivery fees, service charges, and incorrect or missing items. If the issue involves the restaurant’s preparation (such as quality or order accuracy), the app may coordinate directly with the Subway location on your behalf.

How can I get a refund or correction for an incorrect Subway charge?

Start by locating your receipt or order confirmation from the relevant Subway restaurant, app, or delivery service. Contact the specific Subway location (phone number is usually on the receipt or can be found via the Restaurant Locator on subway.com) and explain the issue, such as being overcharged, double‑charged, or receiving the wrong order. Many franchise locations can issue an in‑store credit or refund the difference, but policies vary by restaurant and by region. For unresolved or disputed charges, you may need to contact your bank or card issuer to open a dispute.

Does Subway offer subscriptions or recurring billing for meals or rewards?

Subway does not typically run ongoing meal subscriptions that automatically bill your card, but they may offer limited‑time promotions, rewards programs, or special passes in certain markets. If you see multiple Subway charges around the same amount on similar dates, it is more likely that they reflect frequent purchases or repeated online orders rather than a formal subscription. Check your Subway account or app order history, as well as any promotional emails, to confirm how and when you placed orders.

How can I verify a Subway charge if I share my card with family members?

Review the transaction date, amount, and location or merchant descriptor (which may include the city or store ID) on your statement, then ask household members if they visited that Subway or placed a delivery order. You can also check your Subway app or online account under Order History, and review your histories in delivery apps linked to your card. If no one recognizes the purchase and you can’t match it to any order record, contact your bank immediately to report a possible unauthorized charge.

The Subway name on my statement looks different (e.g., includes a person’s name or company)—is that normal?

Because most Subway restaurants are independently owned franchises, charges may appear under the franchisee’s legal business name plus a reference to Subway (for example, “Subway #1234 – XYZ Foods LLC”) or under an abbreviated descriptor. This is normal and reflects the ownership of that particular location. You can usually match it by checking the address or city on the transaction and comparing it to the Subway store where you made your purchase.

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