Hi Nick,
Thanks for the update. The next update to the other page will show that I picked up a refund after 5 days, on a Sunday, so it looks like the rules are different for this type of refund.
As to auto top-up, my understanding is that it is triggered after any other additions while touching in, so you wouldn’t have had one if the balance was over £20. The downside is that if your refund had to be set up by the first touch and picked up on the second then the auto top-up would be triggered in the meantime.