I very much doubt a “normal bank” (whatever that means) would be any quicker in this case because they’d still have to wait for the ATM operator to investigate. The only cases I can see where it would be quicker is if you were using your own bank’s ATMs (in this case the “feedback loop” is quicker as MasterCard wouldn’t have to be involved) or were using a credit card and were disputing the transaction under Section 75 (where the law says the lender has to refund you immediately even if the investigation is still in progress).
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