Marc Skinner's team conceded just a few minutes either side of half-time when Klara Bühl and Lina Magull were on target for Bayern Munich, with both players benefiting from Sophie Baggaley's bad luck in goal.
Saki Kumagai scored the third and final goal of the game to seal the victory and ensure the Reds missed out on some pre-season silverware.
Despite a handful of chances to get back into the game in the second half, it wasn't meant to be for us in Toulouse.
FIRST HALF
Bayern started on the front foot, piling the pressure on United’s defence.