Getting charged twice for a meal can be incredibly frustrating. You hand over your credit card, pay the bill, and leave the restaurant satisfied with your dining experience. But then you check your statement later and realize you were charged two times for the same meal!

If this happens to you, don’t worry – you can get your money back. Here’s what to do when a restaurant double charges your card.

In this comprehensive guide, we’ll walk you through the step-by-step process to get a refund when you’ve been charged twice at a restaurant. You’ll learn how to check for duplicate charges, dispute the charges with your bank, and work with the restaurant manager to get the extra charge removed.

We’ll also provide tips on how to prevent getting double charged at a restaurant in the future.

Check Your Bank Statement for Duplicate Charges

Discovering that a restaurant has charged you twice for a single transaction can be frustrating. However, there are steps you can take to resolve the issue. The first thing you should do is carefully review your credit card statement to identify any duplicate charges.

Carefully Review Your Credit Card Statement

Take the time to go through your credit card statement with a fine-tooth comb. Look for any transactions that seem suspicious or unfamiliar. Pay special attention to the date, time, and amount of each charge. If you notice any duplicate charges, it’s crucial to deal with them promptly.

Confirm It’s Not Just a Pending Charge

Before jumping to conclusions, it’s important to confirm that you have been charged twice and it’s not just a pending charge. Sometimes, when you use your credit card at a restaurant, the initial charge may appear as pending on your statement.

The pending charge should disappear within a few business days. If, however, the duplicate charge remains on your statement, it’s time to take action.

Highlight the Duplicate Transactions

Once you have confirmed that there are indeed duplicate charges, it’s essential to highlight them on your statement. This will make it easier for you to discuss the issue with your credit card company or the restaurant. You can use a colored pen or highlighter to mark each duplicate transaction.

This step will help you demonstrate the problem clearly when you reach out for assistance.

In some cases, reaching out to the restaurant directly may be enough to resolve the issue. However, if you are unable to get a satisfactory response or refund, you should contact your credit card company.

They have protocols in place to handle disputes and can assist you in getting the duplicate charges removed from your statement.

Remember, it’s important to act promptly when you discover duplicate charges. The sooner you address the issue, the easier it will be to resolve. By reviewing your bank statement, confirming pending charges, and highlighting the duplicates, you can take the necessary steps to rectify the situation and ensure that you are not overcharged for a restaurant transaction.

Call Your Bank to Dispute the Duplicate Charge

Report the Erroneous Charge to Your Bank

If you notice that a restaurant has charged you twice for the same transaction, the first step you should take is to contact your bank. Banks have dedicated customer service lines that handle disputes and fraudulent charges.

Call your bank’s customer service number and inform them about the duplicate charge. It’s important to act quickly, as many banks have a time limit for reporting such incidents.

Provide Details About the Duplicate Charge

When you call your bank, be prepared to provide them with specific details about the duplicate charge. This may include the date and time of the transaction, the name of the restaurant, the amount charged, and any other relevant information.

The more details you can provide, the easier it will be for the bank to investigate and resolve the issue.

Request a Provisional Credit

While your bank investigates the duplicate charge, you can request a provisional credit. This is a temporary refund of the duplicate amount, which will be credited back to your account while the investigation is ongoing. Not all banks offer this option, but it’s worth asking about.

Provisional credits can provide immediate relief by ensuring that you are not out of pocket while waiting for the issue to be resolved.

Remember, it’s important to stay calm and polite when dealing with your bank. Mistakes can happen, and most banks have procedures in place to handle such situations. By reporting the erroneous charge promptly and providing the necessary details, you increase your chances of a swift resolution.

Follow Up with the Restaurant Manager

Speak with a Manager, Not the Waiter

If you find yourself in a situation where a restaurant has charged you twice, it’s important to address the issue with the right person. While it may be tempting to immediately approach the waiter who served you, it is best to speak with a manager instead.

Managers have the authority to resolve billing issues and can provide a more efficient solution. They also have a better understanding of the restaurant’s payment systems and can quickly identify and rectify any mistakes that may have occurred.

Explain the Situation Calmly and Provide Documentation

When speaking with the restaurant manager, it’s crucial to remain calm and composed. Losing your temper or becoming confrontational will not help in reaching a resolution. Clearly explain the situation and provide any relevant documentation to support your claim.

This could include credit card statements, receipts, or any other evidence that proves you were charged twice. Being prepared with this information will strengthen your case and make it easier for the manager to understand and address the issue.

Ask Them to Remove the Duplicate Charge

Once you have explained the situation and provided the necessary documentation, politely ask the restaurant manager to remove the duplicate charge from your bill. Most establishments are willing to rectify billing errors and will take the necessary steps to ensure that you are only charged once.

If the manager is hesitant or uncooperative, you can mention that you may need to dispute the charge with your credit card company if the issue is not resolved promptly. This can often motivate the manager to take immediate action to resolve the problem.

Prevent Getting Charged Twice in the Future

Use a Credit Card Instead of a Debit Card

One way to prevent getting charged twice at a restaurant is to use a credit card instead of a debit card. When you use a credit card, the restaurant will put a hold on your account for the amount of the bill.

Once the transaction is complete, they will charge the appropriate amount and release the hold. This reduces the chances of being charged twice, as the restaurant cannot take more than what was authorized.

Additionally, credit cards often offer better fraud protection and dispute resolution options compared to debit cards, giving you an added layer of security.

Check Your Receipt Before Leaving the Restaurant

Before you leave the restaurant, take a moment to carefully review your receipt. Look for any discrepancies, such as duplicate charges or incorrect amounts. If you notice any errors, bring them to the attention of the server or manager immediately.

It’s always easier to resolve the issue on the spot rather than discovering it later when you may have to go through a lengthy process to get the extra charge refunded.

Hold On to Your Receipts

Keeping your receipts can be beneficial if you ever need to dispute a charge. By holding on to your receipts, you will have proof of the transaction and the amount you paid. This can be especially helpful if you were charged twice and need to provide evidence to your bank or credit card company.

Consider creating a designated folder or envelope to store your receipts, making it easier to find them when needed.

Remember, taking proactive measures can significantly reduce the chances of being charged twice at a restaurant. By using a credit card, checking your receipt before leaving, and holding on to your receipts, you can protect yourself from unnecessary headaches and potential financial loss.


Getting double charged at a restaurant can be upsetting and seem unfair. But by carefully reviewing your statement, disputing the charge with your bank, and speaking with the restaurant manager, you can get the extra charge removed.

Being proactive but polite when dealing with the restaurant will help resolve the issue in your favor. And implementing a few preventive measures can help ensure you never get double charged again.

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