Depending on which financial institution you are with, refunds can take up to 10 business days to reflect in your bank account.
If you have not received your refund within this timeframe, please get in touch with your bank.
It is important to note that refunds from Afterpay will go back to the card that was used to pay for the individual installment. If you have used different cards to pay for your installments, it is normal to not receive all refunded amounts at the same time.
If your card has been cancelled, you can get in touch with your bank for some help. A lot of the time, the funds will be sitting in a general ledger (unallocated funds) account. The representative at the bank will be able to reassign those funds into your correct account.