Card readers
Accept card payments with our wide range of face-to-face solutions.
Within Commercial Banking, it is important that we have the right, and appropriate member offering you support when there is a change in your circumstances.
Our commercial support teams offer various services to make things smooth and easy for you.
A trusted person can help you manage your business account and money matters. This could be a family member, friend, colleague or even neighbour.
There are a number of reasons why someone may need to act on your behalf. You may be living abroad or have serious health conditions. The person you choose can manage your account in different ways. Choosing the right option will depend on your individual circumstance.
Under Representative Access, there are two types of options that are available within Commercial Banking; Mandate Variation and Power of Attorney. The route you take, will determine which process you will have to use.
If your circumstances have changed since you first set up access for someone to help manage your financial affairs, the following guidelines may assist you.
Change of address
If you or the named representative(s) change address you will need to tell us about it. You can do this by calling us or visiting your local branch.
When a marriage or civil partnership ends
If you and the named representative are married to each other or in a civil partnership and separate, the arrangement will come to an end unless the legal document states otherwise. This applies to all types of Power of Attorney, but not to court appointments such as deputyship or guardianship.
Death
You must notify us if the representative passes away and supply us with the death certificate or an updated Lasting Power of Attorney document stamped by the Office of the Public Guardian confirming the deceased (if applicable). You must also notify us if the account holder passes away and supply us with the death certificate. Once notified, all the transactions to the account will be restricted. Get in touch with your relationship manager to know more.
Other Reasons
There can be other circumstances that bring an agreement to an end. Contact the Office of the Public Guardian or the court for more information.
Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS). Please note that due to FSCS and FOS eligibility criteria not all business customers will be covered.