An attorney can help make decisions about someone's finances, or make decisions on their behalf.
If the Power appoints a sole Attorney or multiple Attorneys who can each act separately (e.g jointly and severally) the table below provides guidance on the services that we can provide.
If the Power appoints more than one Attorney to act together (i.e. 'jointly'), all Attorneys have to act together. This means that any services restricted to sole access cannot be provided. This includes debit cards, internet banking, mobile banking and telephone banking.
If the Power of Attorney document contains restrictions, we need to comply with the restrictions which may mean that we cannot provide some of these services.
| General Power of Attorney | Enduring Power of Attorney | Lasting Power of Attorney | |
|---|---|---|---|
| Manage Donor's account/s if mental capacity is lost |
No | Yes | Yes |
| Hold a debit card** |
Yes | Yes | Yes |
| Issue cheques / make payments (e.g. bills) / withdraw cash |
Yes | Yes | Yes |
| Pay in cash / cheques |
Yes | Yes | Yes |
| Order cheque book / credit book |
Yes | Yes | Yes |
| Order a replacement debit card / PIN** |
Yes | Yes | Yes |
| Order a statement |
Yes | Yes | Yes |
| Set up / amend / cancel standing orders and direct debits |
Yes | Yes | Yes |
| Access phone banking** |
Yes | Yes | Yes |
| Access online banking*** |
No | Yes | Yes |
| Access to mobile banking** |
No | Yes | Yes |
| Change Donor's address |
Yes | Yes | Yes |
| Apply for ISAs |
No | Yes | Yes |
| Open / close accounts on behalf of the Donor |
No | Yes | Yes |
| Obtain information regarding the Donor's account/s |
Yes | Yes | Yes |
| Retrieve items from safekeeping |
Yes | Yes | Yes |
| Sign a mortgage loan agreement |
Yes | Yes | Yes |
| Arrange an overdraft |
No | No | No |
|
Manage Donor's account/s if mental capacity is lost |
|
| General Power of Attorney | No |
| Enduring Power of Attorney | Yes |
| Lasting Power of Attorney | Yes |
|
Hold a debit card** |
|
| General Power of Attorney | Yes |
| Enduring Power of Attorney | Yes |
| Lasting Power of Attorney | Yes |
|
Issue cheques / make payments (e.g. bills) / withdraw cash |
|
| General Power of Attorney | Yes |
| Enduring Power of Attorney | Yes |
| Lasting Power of Attorney | Yes |
|
Pay in cash / cheques |
|
| General Power of Attorney | Yes |
| Enduring Power of Attorney | Yes |
| Lasting Power of Attorney | Yes |
|
Order cheque book / credit book |
|
| General Power of Attorney | Yes |
| Enduring Power of Attorney | Yes |
| Lasting Power of Attorney | Yes |
|
Order a replacement debit card / PIN** |
|
| General Power of Attorney | Yes |
| Enduring Power of Attorney | Yes |
| Lasting Power of Attorney | Yes |
|
Order a statement |
|
| General Power of Attorney | Yes |
| Enduring Power of Attorney | Yes |
| Lasting Power of Attorney | Yes |
|
Set up / amend / cancel standing orders and direct debits |
|
| General Power of Attorney | Yes |
| Enduring Power of Attorney | Yes |
| Lasting Power of Attorney | Yes |
|
Access phone banking** |
|
| General Power of Attorney | Yes |
| Enduring Power of Attorney | Yes |
| Lasting Power of Attorney | Yes |
|
Access online banking*** |
|
| General Power of Attorney | No |
| Enduring Power of Attorney | Yes |
| Lasting Power of Attorney | Yes |
|
Access to mobile banking** |
|
| General Power of Attorney | No |
| Enduring Power of Attorney | Yes |
| Lasting Power of Attorney | Yes |
|
Change Donor's address |
|
| General Power of Attorney | Yes |
| Enduring Power of Attorney | Yes |
| Lasting Power of Attorney | Yes |
|
Apply for ISAs |
|
| General Power of Attorney | No |
| Enduring Power of Attorney | Yes |
| Lasting Power of Attorney | Yes |
|
Open / close accounts on behalf of the Donor |
|
| General Power of Attorney | No |
| Enduring Power of Attorney | Yes |
| Lasting Power of Attorney | Yes |
|
Obtain information regarding the Donor's account/s |
|
| General Power of Attorney | Yes |
| Enduring Power of Attorney | Yes |
| Lasting Power of Attorney | Yes |
|
Retrieve items from safekeeping |
|
| General Power of Attorney | Yes |
| Enduring Power of Attorney | Yes |
| Lasting Power of Attorney | Yes |
|
Sign a mortgage loan agreement |
|
| General Power of Attorney | Yes |
| Enduring Power of Attorney | Yes |
| Lasting Power of Attorney | Yes |
|
Arrange an overdraft |
|
| General Power of Attorney | No |
| Enduring Power of Attorney | No |
| Lasting Power of Attorney | No |
* If the Customer (Donor) loses/is losing mental capacity, an Enduring Power of Attorney must be sent to the Office of the Public Guardian for registration
** If the Power of Attorney appoints more than one attorney, they must be able to act separately as well as together (i.e. jointly and severally).
*** If the power appoints more than one Attorney, they must be able to act separately as well as together (ie jointly and severally). In addition, only one person can access a sole account through online banking. Therefore, either one Attorney or the individual they are acting for can have access to the Donor's online banking, not both.