Although we issue refunds promptly, refund transactions are normally much slower to appear on activity summaries than charge transactions. Refunds typically post to your account within 3-5 business days, but in some circumstances can take up to 10 business days to reflect on the account balance. These refund time frames vary slightly from one financial institution to another, but can be as long as 30 days for cross border transactions involving currency exchanges. The refund time frame can also be a little longer when a payment gateway such as PayPal, Apple Pay or Google Pay was used to fund the original transaction.