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Power of Attorney
A Power of Attorney (POA) gives legal power to one or more persons to help make decisions on behalf of a person who is no longer capable of making decisions for themself, or does not want to make decisions for themself.
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Office of Care & Protection
If there is no Power of Attorney in place and you need to manage an incapable adult's wider financial affairs, an application can be made to the Office of the Care & Protection (OCP) for you, or someone else to be appointed as 'Controller'.
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Required identification:
Giving someone access to your bank accounts
Sometimes you might need help managing your bank accounts - you can do this by putting in place a third-party mandate to allow another person to access your accounts. When this mandate is in place the third party can:
- Close accounts for the customer.
- Have a debit card, cheque book and paying in book on the account.
- Set up telephone and online banking.
- Arrange and cancel payments on the account.
A coin behind a fence Protecting against financial abuse
Financial abuse (also referred to as economic abuse) can take a variety of different forms. It might be financial control, exploitation or sabotage. It can happen in a range of different relationships, for instance, with partners, family members, or carers. Financial abuse could happen to anyone. If you think you have been affected by financial abuse, we can offer support.
Frequently asked questions
Banking My Way
A free service that allows you to record information about the support or adjustments you need to make banking easier.
Available to customers aged 16 or over in the mobile app or online Banking. For customers under 16, parental consent is required and information must be recorded in branch or over the phone.
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Help banking from home
Find out how we can help you with online and mobile banking, with helpful videos and step-by-step guides to get you started.
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Organisations offering additional support
Make the most of extra support available to help you care for someone vulnerable. There are several organisations who could help with additional support.