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What is a pending refund?

When you request a refund for a purchase made using a credit or debit card (selecting credit, contactless payment or online/phone purchase) the bank, upon receiving the refund request, may display the refund as pending. This authorised amount is held and may appear as a pending refund for up to 5 days while the merchant finalises the refund. When finalised and processed (settled) by the merchant, the funds are made available to you.