Types of access

There are different types of access to suit your needs. See what is available to you and what it means below.

England & Wales

  • If you want someone to look after your financial affairs, you can give them a General Power of Attorney (GPA). You might choose this option if you have a physical illness, injury, or are abroad for a long period.

    You should not use this if you have been diagnosed with or think you may develop a mental health condition or disease which can lead to mental incapacity. This is because a GPA does not continue if you lose your mental capacity.

    As a representative with General/Ordinary Power of Attorney, you could have access to:

    England and Wales General/Ordinary Power of Attorney representative access

    Card

    Cheque Book

    Branch Services

    Telephone Banking

    Internet Banking

    Card

    Yes

    Cheque Book

    Yes

    Branch Services

    Yes

    Telephone Banking

    Yes

    Internet Banking

    Yes

    Please note this type of access is not suitable for customers who have lost mental capacity.

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

    It’s possible that before 1 October 2007 you made an Enduring Power of Attorney (EPA), allowing someone to manage your property or financial affairs but not your personal welfare. This would allow your attorney to look after your affairs if you still had mental capacity and, if it was registered, could also continue if you lost your mental capacity.

    It’s no longer possible to make a new EPA (except in Northern Ireland). However, one can still be registered if it was made before 1 October 2007 and is still valid.

    If the EPA hasn’t been registered, and you lose your mental capacity, your attorney can apply to continue using the EPA by registering it with the Office of the Public Guardian. There is a registration fee which you can get further advice and information on from the Office of the Public Guardian.

    As a representative with Enduring Power of Attorney (EPA), you could have access to:

    England and Wales Enduring Power of Attorney representative access

    Card

    Cheque Book

    Branch Services

    Telephone Banking

    Internet Banking

    Card

    Yes

    Cheque Book

    Yes

    Branch Services

    Yes

    Telephone Banking

    Yes

    Internet Banking

    Yes

    Please note this type of access is not suitable for customers who have lost mental capacity, unless it is set prior to losing mental capacity.

  • A Lasting Power of Attorney (LPA) allows someone to look after your affairs but is different to a General/Ordinary Power of Attorney as it can include your personal welfare as well as your property and financial affairs.

    You could make an LPA if you have been diagnosed with, or think you may develop, an illness which may prevent you from making decisions for yourself in the future, such as dementia, mental health conditions, brain injury, side-effects of medical treatment or other illness or disability.

    You must make an LPA while you are still capable of making decisions for yourself. This type of Power of Attorney has to be registered with the Office of the Public Guardian before you can use it. There is a registration fee which you can get further advice and information on from the Office of the Public Guardian.

    As a representative with Lasting Power of Attorney, you could have access to:

    England and Wales Lasting Power of Attorney - Property and financial affairs representative access

    Card

    Cheque Book

    Branch Services

    Telephone Banking

    Internet Banking

    Card

    Yes

    Cheque Book

    Yes

    Branch Services

    Yes

    Telephone Banking

    Yes

    Internet Banking

    Yes

    Please note this type of access is not suitable for customers who have lost mental capacity, unless it is set prior to losing mental capacity.

  • If you lose mental capacity and have not previously made, or are no longer capable of making, a Power of Attorney arrangement, the Court of Protection can decide who can handle your affairs. Usually a trusted close friend, family member or someone else can apply for a Court Order to appoint a Deputy for you. The Court Order will set out what decisions the Deputy can make on your behalf.

    As a representative with Deputyship Order, you could have access to:

    England and Wales Deputyship Order representative access

    Card

    Cheque Book

    Branch Services

    Telephone Banking

    Internet Banking

    Card

    Yes

    Cheque Book

    Yes

    Branch Services

    Yes

    Telephone Banking

    Yes

    Internet Banking

    Yes

    Please note this type of access is suitable for customers who have lost mental capacity.

  • This is a formal instruction from you to us. It tells us that you’d like another party to have access to your accounts to carry out everyday banking transactions while in branch or over the phone, such as making payments, or just to allow disclosure of account information on your banking and/or savings accounts. They can also have a debit card to help you with your shopping. This can cover all of your banking and/or savings accounts or just specific ones detailed by you.

    As a representative with Third Party Mandate, you could have access to:

    England and Wales Third Party Mandate representative access

    Card

    Cheque Book

    Branch Services

    Telephone Banking

    Internet Banking

    Card

    Yes

    Cheque Book

    No

    Branch Services

    Yes

    Telephone Banking

    Yes

    Internet Banking

    No

    Please note this type of access is not suitable for customers who have lost mental capacity.

  • The Department for Work and Pensions (DWP) can appoint someone to act on behalf of a person receiving state benefits who cannot manage their benefit related affairs because they have a physical disability or do not have mental capacity.

    The DWP will issue an Appointee with a BF57 form to confirm their appointment. This document should be presented along with suitable identification to register the Appointeeship with us. A new account is opened in the name of the account holder. A debit/ATM card is available on this account on request.

    An Appointee only has authority to manage the benefit payments on the designated account opened. If the Appointee needs to manage other finances they will need to seek advice on other options which would be more suitable, such as Power of Attorney or Deputyship Order.

    As a representative with an Appointeeship, you could have access to:

    England and Wales Appointeeship representative access

    Card

    Cheque Book

    Branch Services

    Telephone Banking

    Internet Banking

    Card

    Yes

    Cheque Book

    Yes

    Branch Services

    Yes

    Telephone Banking

    Yes

    Internet Banking

    No

    Please note this type of access is suitable for customers who have lost mental capacity.

  • The Trusted Person Card is a debit card linked to your own Personal Current Account but with a different card number and PIN. You will still have control of the card and you can keep track of how it is being used and will be able to cancel it at any time.

    You can give the Trusted Person Card and PIN to different trusted people at different times to use for spending or taking money out from a cash machine. When you give them your Trusted Person Card, it means you’re agreeing they can make payments and withdrawals from your account up to the weekly limits.

    Please remember, the Trusted Person Card is separate to your Personal Current Account debit card, you should not give your PIN out for any other cards you might have other than the Trusted Person Card.

    Key benefits of the Trusted Person Card:

    • Your trusted person can use the Trusted Person Card to withdraw £100 a week from a cash machine and make purchases at UK tills and terminals of up to £100 a week. There are some limited circumstances where these limits could be exceeded which are outlined in the Terms and Conditions.
    • All transactions made using the Trusted Person Card will be shown on your statement.
    • The Trusted Person Card can not be used to make purchases online, abroad, or over the phone.
    • The trusted person will not be able to see your account balance.
    • Your Personal Current Account sort code and account number will not be printed on the card.
    • The Trusted Person Card will have a different card number and PIN to your existing debit card.

    For further information about the Terms and Conditions, or to check your eligibility and apply for a Trusted Person Card, please call us on 0345 300 0000.

    Lines open for Trusted Person Card applications 8am – 8pm, seven days a week. Alternatively, you can visit your local branch.

    Please note this type of access is not suitable for customers who have lost mental capacity.

  • Trusted Person Alerts is a service that lets you choose someone you trust to receive text messages from us, about your current account activity. 

    Things to know about Trusted Person Alerts:

    • Your trusted person won’t have access to your accounts – for example to make payments or see balances. They will only receive text messages that you have agreed that we can send with limited information about your account activity.
    • We will only send alerts about your current account activity. We won’t send alerts about any other type of account, like credit cards, mortgages, or business accounts.
    • This service is available to customers with sole or joint current accounts.
    • You can activate the service for as long as you need it.
    • You or your joint account holder can cancel the service at any time.

    For further information and to check your eligibility, please call us on 0345 300 0000.

    Lines are open 8am – 8pm, seven days a week. Alternatively, you can visit your local branch.

Scotland

  • If you want someone to look after your financial affairs, you can give them a General Power of Attorney (GPA). You might choose this option if you have a physical illness, injury, or are abroad for a long period.

    You should not use this if you have been diagnosed with or think you may develop a mental health condition or disease which can lead to mental incapacity. This is because a GPA does not continue if you lose your mental capacity.

    As a representative with General/Ordinary Power of Attorney, you could have access to:

    Scotland General/Ordinary Power of Attorney representative access

    Card

    Cheque Book

    Branch Services

    Telephone Banking

    Internet Banking

    Card

    Yes

    Cheque Book

    Yes

    Branch Services

    Yes

    Telephone Banking

    Yes

    Internet Banking

    Yes

    Please note this type of access is not suitable for customers who have lost mental capacity.

  • A Continuing Power of Attorney (CPA) allows someone to take care of your day-to-day finances and, depending on the wording in the document, to pay bills, look after bank accounts, collect benefits and buy or sell property. These powers can be used when you (the granter) still have mental and/or physical capacity and will continue if you are no longer able to manage your own affairs. The CPA must be made by you and you can choose whether the attorney has access immediately or not. It can specify that it can only be used when you are no longer capable of managing your own affairs.

    We will accept a CPA on your behalf as long as the wording in the document gives the attorney the power to manage your finances. The CPA must be registered before it can be used and there is a registration fee which you can find more about from the Office of the Public Guardian.

    As a representative with Continuing Power of Attorney, you could have access to:

    Scotland Continuing Power of Attorney representative access

    Card

    Cheque Book

    Branch Services

    Telephone Banking

    Internet Banking

    Card

    Yes

    Cheque Book

    Yes

    Branch Services

    Yes

    Telephone Banking

    Yes

    Internet Banking

    Yes

    Please note this type of access is not suitable for customers who have lost mental capacity, unless it is set prior to losing mental capacity.

  • This is an order under the Adults with Incapacity (Scotland) Act 2000 from the Sheriff Court stating who has been appointed to look after your financial affairs, welfare or both, if you are unable to look after them yourself. It also details what the appointed guardian(s) can actually do. We can only accept an order that gives the guardian control over your financial affairs.

    As a representative with Guardianship Order, you could have access to:

    Scotland Guardianship Order representative access

    Card

    Cheque Book

    Branch Services

    Telephone Banking

    Internet Banking

    Card

    Yes

    Cheque Book

    Yes

    Branch Services

    Yes

    Telephone Banking

    Yes

    Internet Banking

    Yes

    Please note this type of access is suitable for customers who have lost mental capacity.

  • This is an order provided under the Adults with Incapacity (Scotland) Act 2000 from the Sheriff Court stating who has been appointed (the intervener) to make a particular decision or to take certain action on your behalf. Once that particular decision or certain action has been completed the order will automatically expire. We can accept an order if the action or decision relates to your financial affairs.

    As a representative with Intervention Order, you could have access to:

    Scotland Intervention Order representative access

    Card

    Cheque Book

    Branch Services

    Telephone Banking

    Internet Banking

    Card

    Yes

    Cheque Book

    Yes

    Branch Services

    Yes

    Telephone Banking

    Yes

    Internet Banking

    Yes

    Please note this type of access is suitable for customers who have lost mental capacity.

  • This is a formal instruction from you to us. It tells us that you’d like another party to have access to your accounts to carry out everyday banking transactions while in branch or over the phone, such as making payments, or just to allow disclosure of account information on your banking and/or savings accounts. They can also have a debit card to help you with your shopping. This can cover all of your banking and/or savings accounts or just specific ones detailed by you.

    As a representative with Third Party Mandate, you could have access to:

    Scotland Third Party Mandate representative access

    Card

    Cheque Book

    Branch Services

    Telephone Banking

    Internet Banking

    Card

    Yes

    Cheque Book

    No

    Branch Services

    Yes

    Telephone Banking

    Yes

    Internet Banking

    No

    Please note this type of access is not suitable for customers who have lost mental capacity.

  • The Department for Work and Pensions (DWP) can appoint someone to act on behalf of a person receiving state benefits who cannot manage their benefit related affairs because they have a physical disability or do not have mental capacity.

    The DWP will issue an Appointee with a BF57 form to confirm their appointment. This document should be presented along with suitable identification to register the Appointeeship with us. A new account is opened in the name of the account holder. A debit/ATM card is available on this account on request.

    An Appointee only has authority to manage the benefit payments on the designated account opened. If the Appointee needs to manage other finances they will need to seek advice on other options which would be more suitable, such as Power of Attorney or Deputyship Order.

    As a representative with an Appointeeship, you could have access to:

    Scotland Appointeeship representative access

    Card

    Cheque Book

    Branch Services

    Telephone Banking

    Internet Banking

    Card

    Yes

    Cheque Book

    Yes

    Branch Services

    Yes

    Telephone Banking

    Yes

    Internet Banking

    No

    Please note this type of access is suitable for customers who have lost mental capacity.

  • This arrangement allows a person or an organisation to access your funds to pay for day-to-day living expenses and any debts due when you are no longer capable of accessing them yourself. The scheme allows your representative to do what is specified in the Certificate of Authority, for example request information about your account, open an account in your name, transfer money between your accounts and open or close a bank account for you, if necessary.

    As a representative with Access to Funds, you could have access to:

    Scotland Access to Funds Scheme representative access

    Card

    Cheque Book

    Branch Services

    Telephone Banking

    Internet Banking

    Card

    Yes

    Cheque Book

    Yes

    Branch Services

    Yes

    Telephone Banking

    No

    Internet Banking

    No

    Please note this type of access is suitable for customers who have lost mental capacity.

  • The Trusted Person Card is a debit card linked to your own Personal Current Account but with a different card number and PIN. You will still have control of the card and you can keep track of how it is being used and will be able to cancel it at any time.

    You can give the Trusted Person Card and PIN to different trusted people at different times to use for spending or taking money out from a cash machine. When you give them your Trusted Person Card, it means you’re agreeing they can make payments and withdrawals from your account up to the weekly limits.

    Please remember, the Trusted Person Card is separate to your Personal Current Account debit card, you should not give your PIN out for any other cards you might have other than the Trusted Person Card.

    Key benefits of the Trusted Person Card:

    • Your trusted person can use the Trusted Person Card to withdraw £100 a week from a cash machine and make purchases at UK tills and terminals of up to £100 a week. There are some limited circumstances where these limits could be exceeded which are outlined in the Terms and Conditions.
    • All transactions made using the Trusted Person Card will be shown on your statement.
    • The Trusted Person Card can not be used to make purchases online, abroad, or over the phone.
    • The trusted person will not be able to see your account balance.
    • Your Personal Current Account sort code and account number will not be printed on the card.
    • The Trusted Person Card will have a different card number and PIN to your existing debit card.

    For further information about the Terms and Conditions, or to check your eligibility and apply for a Trusted Person Card, please call us on 0345 300 0000.

    Lines open for Trusted Person Card applications 8am – 8pm, seven days a week. Alternatively, you can visit your local branch.

    Please note this type of access is not suitable for customers who have lost mental capacity.

  • Trusted Person Alerts is a service that lets you choose someone you trust to receive text messages from us, about your current account activity.

    Things to know about Trusted Person Alerts:

    • Your trusted person won’t have access to your accounts – for example to make payments or see balances. They will only receive text messages that you have agreed that we can send with limited information about your account activity.
    • We will only send alerts about your current account activity. We won’t send alerts about any other type of account, like credit cards, mortgages, or business accounts.
    • This service is available to customers with sole or joint current accounts.
    • You can activate the service for as long as you need it.
    • You or your joint account holder can cancel the service at any time.

    For further information and to check your eligibility, please call us on 0345 300 0000.

    Lines are open 8am – 8pm, seven days a week. Alternatively, you can visit your local branch.

Northern Ireland

  • If you want someone to look after your financial affairs, you can give them a General Power of Attorney (GPA). You might choose this option if you have a physical illness, injury, or are abroad for a long period.

    You should not use this if you have been diagnosed with or think you may develop a mental health condition or disease which can lead to mental incapacity. This is because a GPA does not continue if you lose your mental capacity.

    As a representative with General/Ordinary Power of Attorney, you could have access to:

    Northern Ireland General/Ordinary Power of Attorney representative access

    Card

    Cheque Book

    Branch Services

    Telephone Banking

    Internet Banking

    Card

    Yes

    Cheque Book

    Yes

    Branch Services

    Yes

    Telephone Banking

    Yes

    Internet Banking

    Yes

    Please note this type of access is not suitable for customers who have lost mental capacity.

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

    In Northern Ireland you can make a new Enduring Power of Attorney (EPA), which allows someone to manage your property or financial affairs but not your personal welfare. This would allow your attorney to look after your affairs if you still had mental capacity and, if it was registered, could also continue if you lost your mental capacity.

    If the EPA hasn’t been registered, and you lose your mental capacity, your attorney can apply to continue using the EPA by registering it with the Office of Care and Protection. There is a registration fee which you can get further advice and information on from the Office of Care and Protection.

    As a representative with Enduring Power of Attorney, you could have access to:

    Northern Ireland Enduring Power of Attorney representative access

    Card

    Cheque Book

    Branch Services

    Telephone Banking

    Internet Banking

    Card

    Yes

    Cheque Book

    Yes

    Branch Services

    Yes

    Telephone Banking

    Yes

    Internet Banking

    Yes

    Please note this type of access is not suitable for customers who have lost mental capacity, unless it is set prior to losing mental capacity.

  • If you lose mental capacity and have not previously made, or are no longer capable of making, a Power of Attorney arrangement, the Office of Care and Protection can decide who can handle your affairs. Usually a trusted close friend, family member or someone else can apply for a Court Order to appoint a Controller for you. The Court Order will set out what decisions the Controller can make on your behalf.

    As a representative with Controllership Order, you could have access to:

    Northern Ireland Controllership Order representative access

    Card

    Cheque Book

    Branch Services

    Telephone Banking

    Internet Banking

    Card

    Yes

    Cheque Book

    Yes

    Branch Services

    Yes

    Telephone Banking

    Yes

    Internet Banking

    Yes

    Please note this type of access is suitable for customers who have lost mental capacity.

  • This is a formal instruction from you to us. It tells us that you’d like another party to have access to your accounts to carry out everyday banking transactions while in branch or over the phone, such as making payments, or just to allow disclosure of account information on your banking and/or savings accounts. They can also have a debit card to help you with your shopping. This can cover all of your banking and/or savings accounts or just specific ones detailed by you.

    As a representative with Third Party Mandate, you could have access to:

    Northern Ireland Third Party Mandate representative access

    Card

    Cheque Book

    Branch Services

    Telephone Banking

    Internet Banking

    Card

    Yes

    Cheque Book

    No

    Branch Services

    Yes

    Telephone Banking

    Yes

    Internet Banking

    No

    Please note this type of access is not suitable for customers who have lost mental capacity.

  • The Department for Work and Pensions (DWP) can appoint someone to act on behalf of a person receiving state benefits who cannot manage their benefit related affairs because they have a physical disability or do not have mental capacity.

    The DWP will issue an Appointee with a BF57 form to confirm their appointment. This document should be presented along with suitable identification to register the Appointeeship with us. A new account is opened in the name of the account holder. A debit/ATM card is available on this account on request.

    An Appointee only has authority to manage the benefit payments on the designated account opened. If the Appointee needs to manage other finances they will need to seek advice on other options which would be more suitable, such as Power of Attorney or Deputyship Order.

    As a representative with an Appointeeship, you could have access to:

    Northern Ireland Appointeeship representative access

    Card

    Cheque Book

    Branch Services

    Telephone Banking

    Internet Banking

    Card

    Yes

    Cheque Book

    Yes

    Branch Services

    Yes

    Telephone Banking

    Yes

    Internet Banking

    No

    Please note this type of access is suitable for customers who have lost mental capacity.

  • The Trusted Person Card is a debit card linked to your own Personal Current Account but with a different card number and PIN. You will still have control of the card and you can keep track of how it is being used and will be able to cancel it at any time.

    You can give the Trusted Person Card and PIN to different trusted people at different times to use for spending or taking money out from a cash machine. When you give them your Trusted Person Card, it means you’re agreeing they can make payments and withdrawals from your account up to the weekly limits.

    Please remember, the Trusted Person Card is separate to your Personal Current Account debit card, you should not give your PIN out for any other cards you might have other than the Trusted Person Card.

    Key benefits of the Trusted Person Card:

    • Your trusted person can use the Trusted Person Card to withdraw £100 a week from a cash machine and make purchases at UK tills and terminals of up to £100 a week. There are some limited circumstances where these limits could be exceeded which are outlined in the Terms and Conditions.
    • All transactions made using the Trusted Person Card will be shown on your statement.
    • The Trusted Person Card can not be used to make purchases online, abroad, or over the phone.
    • The trusted person will not be able to see your account balance.
    • Your Personal Current Account sort code and account number will not be printed on the card.
    • The Trusted Person Card will have a different card number and PIN to your existing debit card.

    For further information about the Terms and Conditions, or to check your eligibility and apply for a Trusted Person Card, please call us on 0345 300 0000.

    Lines open for Trusted Person Card applications 8am – 8pm, seven days a week. Alternatively, you can visit your local branch.

    Please note this type of access is not suitable for customers who have lost mental capacity.

  • Trusted Person Alerts is a service that lets you choose someone you trust to receive text messages from us, about your current account activity. 

    Things to know about Trusted Person Alerts:

    • Your trusted person won’t have access to your accounts – for example to make payments or see balances. They will only receive text messages that you have agreed that we can send with limited information about your account activity.
    • We will only send alerts about your current account activity. We won’t send alerts about any other type of account, like credit cards, mortgages, or business accounts.
    • This service is available to customers with sole or joint current accounts.
    • You can activate the service for as long as you need it.
    • You or your joint account holder can cancel the service at any time.

    For further information and to check your eligibility, please call us on 0345 300 0000.

    Lines are open 8am – 8pm, seven days a week. Alternatively, you can visit your local branch.

Need help choosing the right access?

If you are still unsure on the type of access that would best suit your needs, you can use our quick and simple customer access tool to help you.

Customer access tool

Next steps

Prepare documentation

To confirm the identity of the representative, we will need to see the following documents:

  • Power of Attorney or Court Order documents.
  • Proof of identity and address.

Please note for Power of Attorney and Court Orders, we would need to see original documents or certified copies of the document.

If you registered a Lasting Power of Attorney after September 2019 and received a digital code, you can use this instead.

Proof of identity

Talk to a specialist

You can register over the phone* or arrange a branch appointment by calling 0345 300 0071. Lines are open 8am - 8pm, seven days a week.

We will need to verify all appointed representatives, they can arrange independent appointments if easier.

If the representatives are appointed to make decisions jointly, all representatives must register with us in order to act / or must attend an appointment either separately or together.

*In some circumstances you may not be able to register over the phone.

If required, 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. Lines are open 8am - 8pm, seven days a week.

Further support

For further support on managing affairs, such as why you would need someone to manage your affairs, what the representative could do and other frequently asked questions, please see our support page.

Calls and online sessions may be monitored and/or recorded for quality evaluation, training and to ensure compliance with laws and regulations. Not all Telephone Banking services are available 24 hours a day, 7 days a week.