CUSTOMERS of Royal Bank of ­Scotland struggled to use their cards at store checkouts and ATMs on the day after the bank was fined £56 million for a huge IT meltdown.

The glitch affected customers of sister banks RBS, NatWest and Ulster Bank using Visa debit and credit cards in stores and at cash machines.

A spokeswoman for the banking group said there was "minimal customer impact". Those affected were making higher-value payments or transactions abroad, the bank said.

The problems started at 7.45am yesterday and were resolved by 9.15am, the bank said. "A small number of customers experienced issues while using their RBS, NatWest and Ulster Visa debit and credit cards," it said in a statement. "There was minimal customer impact and the issue was quickly resolved."

On Thursday, the bank was fined £56m over its huge systems crash in 2012, which also affected RBS, NatWest and Ulster Bank customers. RBS chairman Sir Philip Hampton says the bank has since spent hundreds of millions of pounds upgrading its IT systems.