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.

Summary of 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 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 Telephone Banking**
Yes Yes Yes
Access Online Banking***
No Yes Yes
Access to Mobile Banking**
No Yes Yes
Change the 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
Summary of what an attorney can do


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 Telephone 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 the 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 Internet Banking. Therefore, either one Attorney or the individual they are acting for can have internet access, not both.

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