If the NFC function of your Apple mobile phone is used for subway payment, but it is not successful when it comes out, resulting in the pre-authorization of the bank card and the inability to cancel the account, the following are some possible solutions:

1. Contact the subway company: You can contact the subway company, explain the situation to them and ask them to cancel this pre-authorization. They may need you to provide some information to verify your identity and confirm that this pre-authorization is due to their system error. If the subway company agrees to cancel the pre-authorization, your bank card should be able to resume normal use.

2. Contact the bank: You can contact your bank, explain the situation to them and ask them to help cancel this pre-authorization. The bank may need you to provide some information to verify your identity and confirm that this pre-authorization is due to a system error of the subway company. If the bank agrees to cancel the pre-authorization, your bank card should be able to resume normal use.

3. Wait for the pre-authorization to expire: In some cases, the pre-authorization may expire after a period of time, so you can wait for a period of time and then try to use the bank card for consumption. If the pre-authorization has expired, but the bank still shows the existence of the pre-authorization, you can contact the bank or the subway company, reflect the problems to them and seek their help.

4. Change the payment method: If you no longer want to use NFC for subway payment, you can choose other payment methods, such as cash, Alipay or WeChat payment.

If you still can't solve the problem by trying the above methods, I suggest you contact the bank or subway company, reflect the problem to them and ask for their technical support or help to solve the problem.