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Types of access

What will my representative be able to do?

By allowing someone control of your account you give them permission to:

  • Use your account(s) in the same way that you had done previously.
  • Access your account(s) online and by telephone, should you wish.
  • Use a card and cheque book on your account(s).
  • Open additional accounts on your behalf.

Depending on the type of access you have granted, your representative may not be able to do all of these things. Please contact your Relationship Manager to find out more.

The different types of access are displayed in the table below:

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

  •  
  •  
  •  
  •  
  •  

Enduring Power of Attorney

England & Wales, Northern Ireland

Yes*

  •  
  •  
  •  
  •  
  •  

Lasting Power of Attorney

England & Wales

Yes*

  •  
  •  
  •  
  •  
  •  

Continuing Power of Attorney

Scotland

Yes*

  •  
  •  
  •  
  •  
  •  

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

  •  

*If set prior to losing mental capacity

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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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