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Actually, the money goes on the card when the IRS (or state) actually issues your refund. The IRS goal is 21 days. And, State refund times vary.
However, last year, 9 out of 10 e-filers received their IRS tax refund in less than 21 days, and we expect the same this year.
Paper-filers: The IRS asks you wait 4 weeks after you mail your return before looking up your refund at Where's My Refund? https://www.irs.gov/refunds
https://ttlc.intuit.com/replies/6596778
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