Have you ever wondered what you would do if the cash machine did not deliver the cash you requested? What’s the likelihood of that happening? Pretty slim. As a software engineer, I am too familiar with software glitches, aka “bugs”. This thought always crosses my mind. I always feel nervous during those precious seconds between retrieving my card and my money coming out of the machine. Phew! So far, so good.

Seriously, think about it! Most people do not bother with a receipt. You virtually have no proof that the money did not even come out. However, do not panic. The law is on your side.

According to the Financial Services Authority, it is up to the bank to prove that you have received your cash. This rule is stipulated in the 2009 Payment Services Directive.

Contact your bank as soon as possible. They should be able to investigate this issue and credit your account.

Emily Spaven article provides even more information about what should be aware of, and the process used by banks to determine whether the right amount of money was dispensed from the cash machine.