Apple product is refunded but not yet reflected on my bank account
When will my refund reflects on my bank account?
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iPhone 6s, iOS 14
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According to the Check the status of a refund for apps or content that you bought from Apple - Apple Support:
When will I get the money back?
If your refund is approved, the funds are applied to the same payment method that you used to buy the item. Here's how long it takes for a refund to appear on your account or statement:
Store credit—It might take up to 48 hours to see the refund in your Apple ID balance.
Mobile phone billing—It might take up to 60 days for the statement to show the refund. Processing time might be affected by your carrier. You can contact your carrier for an update.
All other payment methods—It might take up to 30 days for the statement to show the refund. If you don't see the refund after 30 days, contact your financial institution.