RBS and NatWest say a glitch which left customers unable to access their cash across the UK has now been resolved.
Thousands of people vented their anger on Twitter after all the high street banks' systems went down on one of the busiest shopping days of the year, Cyber Monday.
As well as bank cards, there were problems with RBS and NatWest's websites and smartphone apps.
RBS - which owns NatWest - issued a statement on Tuesday morning via the social network saying: "The systems issues that affected our customers last night have now been resolved and all of our services are now back working normally."
The banking group did not believe the IT problems were related to high transaction volumes on Cyber Monday but was unable to give an explanation for the latest failures in its computer systems following a number of high profile outages in recent years.
It had earlier said on Monday night: "We are very sorry for the system issues that affected our customers this evening. Our customers are reporting that services are coming back on line.
Complaints piled up on Twitter as customers could not access cash"If customers have been left out of pocket as a result of these system problems, we will put this right.
"If any customer is unable to resolve an issue caused by the disruption, they should get in touch with our call centres or come into a branch in the morning where our staff will be ready to help."
The group said Ulster Bank, which is also owned by RBS, was "partly affected" while several customers in Ireland reported problems.
Reports started to emerge of bank cards being refused at around 6.30pm on Monday.
RBS' apology, along with an earlier tweet about mobile banking problemsOne customer from Canterbury, Kent, tweeted: "Natwest down again. Looked like a melt in Londis when my card got declined for milk and tuna."
Josh Barlow, a Sheffield Hallam journalism student, wrote: "This is happening every month if not more and it's getting ridiculous."
RBS and NatWest came under fire in March last year after a "hardware fault" meant customers were unable to use their online accounts or withdraw cash for several hours.
It cost the group £175m to put right and came less than a year after it was hit by a major computer issue.
The latest meltdown will heap more embarrassment on the banks because it came on so-called Cyber Monday, when retailers are hoping for their busiest day of the year as pre-Christmas shoppers search the internet for bargains.
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