'Technical issues' blames as RBS credit and debit cards declined Shoppers across the UK have had their credit and debit cards declined in one of the busiest online shopping days for the year. The technology meltdown appears to have affected the Royal Bank of Scotland (RBS) Group, which includes NatWest and Ulster Bank. An RBS spokeswoman confirmed the problem on Monday evening. "We are aware of the technical issues being experienced by customers and are working to get them fixed urgently," she said. We apologise to customers for the inconvenience caused. The meltdown comes amid a day dubbed Cyber Monday, which is typically when the highest amount of online transactions are expected so shoppers can meet pre-Christmas delivery deadlines. Angry customers have taken to social media to vent the frustrations. Customer reports indicate the problem is affecting the banks' websites and smartphone apps as well.