All refunds are made to the account used when paying for the order as everything5pounds.com does not store any payment information. All payment details and security are handled either by PayPal or Safecharge using secure payment tokens.
In essence, we don't store any account details. When processing a refund, we would simply tell either PayPal or Safecharge to credit a given transaction and they would then handle the refund.
If a bank account is closed when the refund/s are processed, the customer would then need to contact their bank as the bank will be holding the funds aside.