There could be several reasons why your refund amount appeared as pending in your bank yesterday but has now disappeared. Here are some possible explanations:

1. Processing Time: Pending transactions typically indicate that the funds have been reserved but have not yet been fully processed. It's possible that the refund was in the process of being finalized yesterday, and today it has been completed and no longer appears as pending [1].

2. Bank Policies: Different banks have varying policies regarding the duration of pending transactions. Some pending charges may disappear in around 5 days or less, while others may take longer. It ultimately depends on the type of transaction and the specific policies of your bank [2].

3. Merchant Processing: The time it takes for a refund to be processed and appear in your account can also depend on the merchant. If the merchant takes longer to process refunds, it may contribute to extended pending times [2].

4. Review Process: In some cases, pending transactions may take longer to clear if they are subject to further review by your credit card issuer or bank. This additional review process can delay the disappearance of the pending transaction [2].

If you are concerned about the disappearance of your refund, it is recommended to contact your bank or financial institution for specific details regarding the transaction and its processing time [2].

Learn more:

1. Why did my refund amount say pending in my bank yesterday ...
2. How Long Do Pending Transactions Take To Expire? | MoneyLion
3. pending amount disappears after approved … - Apple Community