Two steps, two timescales
First the supplier releases the block, normally after the return inspection. Then the bank restores the available limit, which can take several more days.
A deposit that has not reappeared immediately is almost always sitting at the second step rather than being withheld.
What can still be deducted
- Damage found at the return inspection.
- A fuel shortfall against the agreed policy.
- Mileage above any cap.
- Late return beyond the contracted hour.
- Cleaning, where the interior needs more than normal valeting.
- Tolls and fines that arrive after the return.
Why fines take longer
Toll and fine data reaches the supplier weeks after the event. Some suppliers hold part of the deposit for that period; others release it in full and charge the card later under the contract.
Either way, the card stays on file, so a released deposit is not the end of possible charges.
If it does not come back
Wait the bank's normal window, then ask the supplier in writing for confirmation that the block was released, with the date and the reference.
If a deduction was made, request the evidence — photographs of the damage and the repair quotation, or the original fine notice.