• What will the Attorney/Deputy be able to do once it's all set up?


    Attorney/Deputy can usually:


    • Access the account over the phone where the attorney/deputy will be given their own security pin and questions to enable them to do this.
    • Have a card for a savings or current account in the deputy’s / attorney’s own name.
    • Sign cheques (the signature should be followed by ‘POA’).
    • Have statements sent to the attorney’s address. (Statements can only go to one attorney’s address)
    • Open new Savings & Current Accounts on behalf of the account holder.
    • Close account on behalf of the account holder.
    • Update address details.
    • Add, remove and cancel standing orders and Direct Debits.
    • Obtain information regarding our customer’s account/s.

    **Please note that depending on the type of access that has been granted under the Power of attorney/deputyship order, the attorney/deputy may not be able to do all these things**

    Once the account is set up, the Attorney/Deputy cannot:


    • Manage the account online (access is available over the phone for all products)
    • Open new credit card or loan accounts on behalf of our customer.
    • Use their credit card to borrow more money.
    • Continue to use any credit cards when our customer has lost capacity.

    We are unable to send statements to both our customer and their attorney.

    If you choose to have more than one attorney, it’s important to consider whether you’d like them to act:


    • Solely - this means they are the only person responsible for acting on behalf of the donor.
    • Jointly – this means that the attorneys must all sign for transactions and make joint decisions and they cannot act independently of each other. All attorneys will need to write to us to carry out any transaction and they will not be able to manage your account via telephone or hold a debit card.
    • Jointly and severally – this means the attorneys can make decisions on their own or with other attorneys, each attorney will have their own telephone security and debit card.

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