Appointing someone to manage your affairs
If you need help to manage your money, you can give someone you trust access to your accounts. Find out about the different options and what your appointed person needs to do.
Why would I need someone to manage my affairs?
You may need to appoint someone you trust to help you manage your accounts.
There are many reasons for needing someone else to act on your behalf. For example, if you have a serious health condition or want to get things ready for when you might not be able to manage in the future.
Giving someone access to your bank account, and the right to operate it, is an important decision but it could be essential for your future well-being. It could also give you and your appointed person peace of mind that everything is being looked after.
Types of access
There are different types of access available. Most will allow your appointed person to manage your accounts online, or use telephone banking, and come with their own debit card.
Here are the most common types of access:
If you don’t want to hand over control of your finances, we also offer a Trusted Person Card. This is a debit card linked to your personal current account that you can give to someone you trust to shop for essentials or withdraw money from a cash machine on your behalf.
What access type do I need?
Whether you want to give someone access, or you are looking for access options on behalf of the account holder, use our quick and simple questionnaire to find out which type of access would best suit your circumstances.
What do you need to do
Once you know what access you need, your appointed person can arrange it with us by following these three steps:
More help and support
For more information about the different options and how to appoint someone to help you manage your affairs, please read our guide:
If you are an appointed person and want to find out how to register a power of attorney, court order or apply for a third party mandate, call us on 0345 300 0071 and our specialist team will support you.
You can get further advice and information from the Office of the Public Guardian in England and Wales, the Office of the Public Guardian in Scotland, the Office of Care and Protection in Northern Ireland or your solicitor.
Supporting you in exceptional circumstances
We appreciate that there will be times where you need to support a family member with their finances but do not have any power of attorney or third party access in place.
If you are in this position and need to talk to someone, please contact us on 0345 300 0071 and we may be able to help in the short term while you apply for longer term access.
What to do if your circumstances change
If you and your appointed person are married or in a civil partnership, the arrangement will come to an end when you separate, unless the legal document says otherwise. This applies to all types of power of attorney, but not to court appointments, such as deputyship or guardianship.
You must notify us if your appointed person passes away and supply us with the death certificate or updated lasting power of attorney document stamped by the Office of the Public Guardian.
Important legal information
Lloyds Bank plc. Registered office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No. 2065. Lloyds Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278.
Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS).
Telephone calls may be monitored or recorded in case we need to check we have carried out your instructions correctly and to help us improve our quality of service.