Answers · UK 2025/26
How long does an HMRC tax refund take to arrive?
HMRC typically processes tax refunds within 5 working days if claimed online, or up to 6 weeks for a paper return. Refunds via BACS bank transfer usually arrive within 3 to 5 working days after processing.
Full answer
The time an HMRC tax refund takes depends on how you claimed and the complexity of your return. If you claim online via your Personal Tax Account or submit a Self Assessment return online, HMRC aims to process straightforward refunds within 5 working days. Paper returns take significantly longer, up to 6 weeks or more especially during busy periods. Once HMRC approves the refund, it is typically paid by BACS bank transfer within 3 to 5 working days if you have provided bank details. If you used a tax refund agent, be aware they charge commission sometimes 30 to 48% of the refund and may hold the money temporarily. You can track your refund status via your Personal Tax Account on gov.uk. HMRC may delay refunds if they need to verify information or if your return is selected for compliance checks.
This answer is informational only and does not constitute financial, tax or legal advice. Figures are for the 2025/26 UK tax year. See our methodology and sources.