Customer needs tool

When you need to help manage a customer’s financial affairs or pay their bills, there are several types of arrangements you can make in order to support them.

You only need to show us arrangements which cover property and financial affairs. If you need to help make decisions on where a customer lives, their medical care or daily routine, visit the ‘Office of the Public Guardian’ or ‘The Office of Care and Protection’.

Use our quick and simple ‘Customer Needs Tool’ to help you determine the type of access that suits you best.

Where does the account holder live?

Please select an option to continue

Type of access

Country where account is  registered

Suitable for customers who have mental capacity

Card

Cheque Book

Branch servicing

Telephone Banking

Internet Banking

General/Ordinary Power of Attorney

United Kingdom

Yes

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Enduring Power of Attorney

England & Wales,
Northern Ireland

Yes *

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Lasting Power of Attorney

England & Wales

Yes *

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Continuing Power of Attorney

Scotland

Yes *

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Deputyship Order

England & Wales

No

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Guardianship Order

Scotland

No

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Controllership Order

Northern Ireland

No

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Intervention Order

Scotland

No

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Third Party Mandate

United Kingdom

Yes

X

 

X

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X

X

Country where account is  registered

United Kingdom

Suitable for customers who have mental capacity

Yes

Card

  •  

Cheque Book

  •  

Branch servicing

  •  

Telephone Banking

  •  

Internet Banking

  •  

Country where account is  registered

England & Wales,
Northern Ireland

Suitable for customers who have mental capacity

Yes *

Card

  •  

Cheque Book

  •  

Branch servicing

  •  

Telephone Banking

  •  

Internet Banking

  •  

Country where account is  registered

England & Wales

Suitable for customers who have mental capacity

Yes *

Card

  •  

Cheque Book

  •  

Branch servicing

  •  

Telephone Banking

  •  

Internet Banking

  •  

Country where account is  registered

Scotland

Suitable for customers who have mental capacity

Yes *

Card

  •  

Cheque Book

  •  

Branch servicing

  •  

Telephone Banking

  •  

Internet Banking

  •  

Country where account is  registered

England & Wales

Suitable for customers who have mental capacity

No

Card

  •  

Cheque Book

  •  

Branch servicing

  •  

Telephone Banking

  •  

Internet Banking

  •  

Country where account is  registered

Scotland

Suitable for customers who have mental capacity

No

Card

  •  

Cheque Book

  •  

Branch servicing

  •  

Telephone Banking

  •  

Internet Banking

  •  

Country where account is  registered

Northern Ireland

Suitable for customers who have mental capacity

No

Card

  •  

Cheque Book

  •  

Branch servicing

  •  

Telephone Banking

  •  

Internet Banking

  •  

Country where account is  registered

Scotland

Suitable for customers who have mental capacity

No

Card

  •  

Cheque Book

  •  

Branch servicing

  •  

Telephone Banking

  •  

Internet Banking

  •  

Country where account is  registered

United Kingdom

Suitable for customers who have mental capacity

Yes

Card

X

 

Cheque Book

X

Branch servicing

  •  

Telephone Banking

X

Internet Banking

X

*If set prior to losing mental capacity

Note that some services are not available to organisations.

An option if you live abroad or become ill and you’d like someone to help manage your finances, including your bank accounts. This option is not right for you if you lose mental capacity, or in Scotland also physical capacity..

For more information you may want to contact a lawyer or the Citizens Advice Bureau.

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Enduring Power of Attorney - EPA (England, Wales)

This option will allow someone to help manage your finances including your bank accounts, either before or after you lose mental capacity.

If you are losing or have lost mental capacity, the EPA has to be registered with the Office of the Public Guardian (OPG) before your attorney can continue to help.

Enduring Power of Attorney – EPA (Northern Ireland)

This option will allow someone to help manage your finances including your bank accounts, either before or after you lose mental capacity.

An EPA has to be registered with the Office of Care and Protection before it can be used.

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This option will allow someone to help manage your finances including your bank accounts, either before or after you lose mental capacity.

An LPA has to be registered with the Office of the Public Guardian (OPG) before it can be used.

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This option will allow someone to help manage your finances including your bank accounts either before or after you lose mental and or physical capacity.

The CPA has to be registered with the Office of the Public Guardian (OPG) – Scotland before it can be used.

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If you lose mental capacity, someone can apply to the Court of Protection for a deputyship order to manage your bank accounts and other matters.

The deputyship order will say what the person (deputy) can do.

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If you lose mental capacity someone can apply to the Sheriff Court for a guardianship order to manage your bank accounts and other matters.

The guardianship order will say what the person (guardian) can do.

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If you lose mental capacity someone can apply to the High Court for a controllership order to manage your bank accounts and other matters.

The controllership order will say what the person (controller) can do.

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If you lose mental capacity someone can apply to the Sheriff Court for an intervention order to manage your bank accounts and other matters.

The intervention order will say what the person (intervener) can do.

An intervention order comes to an end once the decision or action allowed has been completed.

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This is a formal instruction from you to us. It tells us that you’d like someone else to have access to your account.  With this access, everyday banking in branch can be carried out.

This can cover all of your accounts or just the specific ones detailed by you.

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plan

Plan your next steps

Follow our step by step guide to help you register a trusted person to manage your account and finances.

Find out more