What an attorney can do

An attorney can help make decisions about someone's finances, or make decisions on their behalf.

The following table provides guidance on the services that we can provide under the different types of power of attorney (POA) and indicates what the attorney/attorneys may do.

If the donor 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, and Telephone Banking.

If the POA document contains restrictions, we will need to comply with the restrictions which may mean that we cannot provide some of the services listed.

General power of attorney Enduring power of attorney Lasting power of attorney Continuing power of attorney Court of Protection Guardianship Order
Manage donor's account/s if mental capacity is lost
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Hold a debit card Footnote 2**
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Issue cheques/make payments (eg bills)/withdraw cash
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Pay in cash/cheques
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Order cheque book/paying in book
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Order a replacement debit card/PIN Footnote 2**
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Order a statement
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Set up/amend/cancel standing orders and Direct Debits
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Access Telephone Banking Footnote 2**
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Access Internet Banking Footnote 3***
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Change the donor's address
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Apply for ISAs
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Open/Close accounts on behalf of the donor
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Obtain information regarding the donor's account/s
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Arrange an overdraft
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Footnote 1* [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 (England and Wales), Office of Care and Protection (Northern Ireland) or Office of Public Guardian (Scotland) for registration.

Footnote 2** [1] [2] [3] If the POA appoints more than one attorney, they must be able to act separately as well as together (i.e. jointly and severally).

Footnote 2*** [1] If the POA appoints more than one attorney, they must be able to act separately as well as together (i.e. 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.

Other ways we can help