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.
| What an attorney can do |
General Power of Attorney | Enduring Power of Attorney | Lasting Power of Attorney |
|---|---|---|---|
| Manage Donor's account/s if mental capacity is lost1 |
No | Yes | Yes |
| Hold a debit card2 |
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 / PIN2 |
Yes | Yes | Yes |
| Order a statement |
Yes | Yes | Yes |
| Set up / amend / cancel standing orders and direct debits |
Yes | Yes | Yes |
| Access phone banking2 |
Yes | Yes | Yes |
| Access online banking3 |
No | Yes | Yes |
| Access to mobile banking2 |
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 |
| What an attorney can do |
Manage Donor's account/s if mental capacity is lost1 |
|---|---|
| General Power of Attorney | No |
| Enduring Power of Attorney | Yes |
| Lasting Power of Attorney | Yes |
| What an attorney can do |
Hold a debit card2 |
| General Power of Attorney | Yes |
| Enduring Power of Attorney | Yes |
| Lasting Power of Attorney | Yes |
| What an attorney can do |
Issue cheques / make payments (e.g. bills) / withdraw cash |
| General Power of Attorney | Yes |
| Enduring Power of Attorney | Yes |
| Lasting Power of Attorney | Yes |
| What an attorney can do |
Pay in cash / cheques |
| General Power of Attorney | Yes |
| Enduring Power of Attorney | Yes |
| Lasting Power of Attorney | Yes |
| What an attorney can do |
Order cheque book / credit book |
| General Power of Attorney | Yes |
| Enduring Power of Attorney | Yes |
| Lasting Power of Attorney | Yes |
| What an attorney can do |
Order a replacement debit card / PIN2 |
| General Power of Attorney | Yes |
| Enduring Power of Attorney | Yes |
| Lasting Power of Attorney | Yes |
| What an attorney can do |
Order a statement |
| General Power of Attorney | Yes |
| Enduring Power of Attorney | Yes |
| Lasting Power of Attorney | Yes |
| What an attorney can do |
Set up / amend / cancel standing orders and direct debits |
| General Power of Attorney | Yes |
| Enduring Power of Attorney | Yes |
| Lasting Power of Attorney | Yes |
| What an attorney can do |
Access phone banking2 |
| General Power of Attorney | Yes |
| Enduring Power of Attorney | Yes |
| Lasting Power of Attorney | Yes |
| What an attorney can do |
Access online banking3 |
| General Power of Attorney | No |
| Enduring Power of Attorney | Yes |
| Lasting Power of Attorney | Yes |
| What an attorney can do |
Access to mobile banking2 |
| General Power of Attorney | No |
| Enduring Power of Attorney | Yes |
| Lasting Power of Attorney | Yes |
| What an attorney can do |
Change Donor's address |
| General Power of Attorney | Yes |
| Enduring Power of Attorney | Yes |
| Lasting Power of Attorney | Yes |
| What an attorney can do |
Apply for ISAs |
| General Power of Attorney | No |
| Enduring Power of Attorney | Yes |
| Lasting Power of Attorney | Yes |
| What an attorney can do |
Open / close accounts on behalf of the Donor |
| General Power of Attorney | No |
| Enduring Power of Attorney | Yes |
| Lasting Power of Attorney | Yes |
| What an attorney can do |
Obtain information regarding the Donor's account/s |
| General Power of Attorney | Yes |
| Enduring Power of Attorney | Yes |
| Lasting Power of Attorney | Yes |
| What an attorney can do |
Retrieve items from safekeeping |
| General Power of Attorney | Yes |
| Enduring Power of Attorney | Yes |
| Lasting Power of Attorney | Yes |
| What an attorney can do |
Sign a mortgage loan agreement |
| General Power of Attorney | Yes |
| Enduring Power of Attorney | Yes |
| Lasting Power of Attorney | Yes |
| What an attorney can do |
Arrange an overdraft |
| General Power of Attorney | No |
| Enduring Power of Attorney | No |
| Lasting Power of Attorney | No |
1 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
2 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).
3 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.