A woman who thought she was helping a down-and-out man pay for his food at a bowser in the US ended up footing the bill for country music star Keith Urban.

Ruth Reed says she met the Australian singer at a Medford Wawa in New Jersey ahead of his concert on Friday night in Camden.

Substitute teacher Reed says she had made a resolution to help customers and jumped at the chance when the man ahead of her was short a few dollars.

Reed says he thanked her and said his name was Keith. When she remarked that he looked like Keith Urban, he said he was.

Not believing him, Reed asked his bodyguard to confirm she was talking to the musician.

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She says, “It was then I realised what an idiot I was.”

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AAP

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