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What an attorney can do

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

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

Summary of what an attorney can do

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.

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