A young woman got more than she bargained for when she sat at a bench to wait for her subway — and realized the man next to her was masturbating, police said on Sunday.

The 20-year-old Yonkers woman was waiting for her southbound train inside 7th Avenue station at West 53rd Street in Manhattan around 4 a.m. Saturday when the man next to her unzipped his pants and began fondling himself, authorities said.

The horrified woman snapped a photo of the creep before he left the station.

Police describe the man was 5-foot-1 tall and approximately 200 pounds, with a heavy build, a goatee and short brown hair.