If you see TGTG on your bank statement, it’s a charge from Too Good To Go, a mobile app that sells surplus food from restaurants, bakeries, and grocery stores at a discount. The descriptor usually reads “TGTG,” “TooGoodToGo,” or “TGTG” followed by a string of random characters, and the amount typically runs between $4 and $10. If you or someone with access to your card used the app, the charge is legitimate. If not, federal law gives you a clear path to dispute it.
What TGTG Is and Why It’s on Your Statement
Too Good To Go processes payments through its own platform rather than through the store where you pick up the food. That’s why your statement shows the app’s name instead of the bakery, cafe, or grocery store you actually visited.1Too Good To Go. I Don’t Recognize a Charge on My Statement The exact format depends on your bank’s processing system, so the same purchase can look different on two cards.
Each charge corresponds to a “Surprise Bag” reservation. Users browse participating stores in the app, reserve a bag of surplus food at roughly a third of its retail value, and pick it up during a set window. Payment happens at reservation time, not at pickup, so the charge hits your account before you ever see the food.2Too Good To Go. Terms and Conditions For Marketplace
How Much the Charge Should Be
Most TGTG charges fall between $4 and $10. Bags from smaller cafes and bakeries tend to sit at the lower end. Grocery chains like Whole Foods price theirs between roughly $7 and $10 depending on the category. Sales tax is added on top, and because many Surprise Bags contain prepared food, the tax rate can be higher than what you’d pay on regular groceries.
You may also see a temporary authorization hold for a slightly different amount before the final charge settles. If the number on your statement doesn’t match what you remember, check the digital receipt in your email or the orders tab in the app. The small gap is almost always tax or an authorization hold resolving to a different final amount.
Check These Things Before Calling It Fraud
Before assuming the charge is unauthorized, rule out a few ordinary explanations. Someone else on the account — a spouse, partner, or child with access to a linked card — may have used the app. TGTG also stores payment information, so a sign-up months ago can produce a charge you’ve forgotten about.
Open the app, or download it and log in with your email, and look at the orders tab for any recent activity. Too Good To Go’s support page also walks you through confirming the transaction and securing your account.1Too Good To Go. I Don’t Recognize a Charge on My Statement Change your password while you’re there. If nothing in your order history explains the charge, it’s time to escalate.
Getting a Refund Through the App
If you actually placed the order and the problem is with that specific bag, go to the app before you go to your bank. Refund requests for genuine issues like food quality or a store that was closed during the pickup window are handled faster through Too Good To Go’s help center than through a formal bank dispute.
Quality problems are the clearest refund path. If the food was inedible or raised safety concerns, request a refund through the app’s help center and take photos before you throw anything away. The support team requires photographic evidence to process quality-related claims.3Too Good To Go. Can I Get a Refund? Approved refunds typically take 3 to 10 business days to appear, though some banks simply remove the original pending charge instead of posting a separate credit.
One boundary worth knowing: if you forget to pick up your bag, no refund is available. The company’s position is that the store already set aside the food, and a missed pickup wastes it either way.3Too Good To Go. Can I Get a Refund?
Disputing an Unauthorized Charge With Your Bank
If nobody with access to your account made the purchase, you have federal protections. Which law applies depends on whether the charge hit a debit card or a credit card, and the differences matter.
Debit Card Charges
Debit card and bank account charges are covered by the Electronic Fund Transfer Act and Regulation E. You have 60 days from the date your bank sends the statement containing the charge to notify them of the error.4Office of the Law Revision Counsel. 15 USC 1693f – Determination of Error Miss that window and you risk losing your dispute rights entirely.
Your liability for an unauthorized debit charge depends on how fast you move. Report within two business days of learning about it and your maximum loss is $50. Wait longer than two days but still within 60 days and the ceiling rises to $500. After 60 days, you could be liable for the full amount.5Office of the Law Revision Counsel. 15 USC 1693g – Consumer Liability For a single $7 Surprise Bag that’s not catastrophic, but if the same card is being used for repeat purchases, speed matters.
Once you report the problem, your bank must investigate and report back within 10 business days. It can extend the investigation to 45 days, but only if it provisionally credits your account within those first 10 days so you have access to the funds while the review continues.6Consumer Financial Protection Bureau. 12 CFR 1005.11 – Procedures for Resolving Errors
Credit Card Charges
Credit card charges fall under the Fair Credit Billing Act. You get the same 60-day window from the statement date, but the dispute must be in writing and sent to your card issuer’s billing inquiries address, not the customer service number you’d normally call. Your letter needs your name, account number, the charge you’re disputing, and why you believe it’s an error.7Office of the Law Revision Counsel. 15 USC 1666 – Correction of Billing Errors
The issuer must acknowledge your dispute within 30 days and resolve it within two billing cycles, which can’t exceed 90 days. While it investigates, it can’t try to collect the disputed amount or report it as delinquent. Credit card disputes tend to be more consumer-friendly than debit disputes because the money was never pulled directly from your account; you’re disputing a line on a bill rather than trying to recover cash that’s already gone.7Office of the Law Revision Counsel. 15 USC 1666 – Correction of Billing Errors
Whichever card the charge hit, the 60-day clock from your statement date is the deadline that matters most. Mark it if you need to. Once it passes, your options shrink fast.