RBS and NatWest are trying to fix a computer glitch which left customers having their debit and credit cards declined in shops across the UK.
Thousands of people have been venting their anger on Twitter after all the high street banks' systems went down on one of the busiest shopping days of the year.
As well as bank cards, there are problems with RBS and NatWest's websites and smartphone apps.
RBS - which owns NatWest - issued a statement, saying: "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.
"We will confirm when all systems have returned to normal service.
"If customers have been left out of pocket as a result of these system problems, we will put this right.
Complaints piled up on Twitter as customers could not access cash"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, is "partly affected" and several customers in Ireland have reported problems.
Reports started to emerge of bank cards being refused at around 6.30pm on Monday.
One customer from Canterbury, Kent, tweeted: "Natwest down again. Looked like a melt in Londis when my card got declined for milk and tuna."
RBS' apology, along with an earlier tweet about mobile banking problemsJosh 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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