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Is there a timescale to reclaim funds from an ATM dispute?

Once we have been informed, it can take up to 15 calendar days for funds to be credited back to your account.

In order for us to start an investigation you will need to provide us with details of the transaction; such as the date you used the ATM, the amount you attempted to withdraw and which card you used.

To inform us of an ATM dispute you can either contact us by phone or visit a branch.

Telephone banking
Customers in Scotland
Personal - 03457 242424 (overseas +44 131 5498888)
Business - 0345 6002230 (overseas +44 131 5498888)
Minicom: 0800 404 6160

Customers in England and Wales
Personal - 0345 9000400 (overseas +44 131 2420017)
Business - 0345 3070900 (overseas +44 131 2420017)
Minicom: 0800 068 1289

Open 24 hours a day.
Calls may be recorded.
Call charge information.

Please have your Customer Number and security number ready as this will enable your call to be answered faster and more securely. These are the same details you use to log in to Digital Banking.


Royal Bank of Scotland branch locator
Find your nearest branch using our branch locator (opens in a new window).