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If you need help managing your money or want to support someone else, you can appoint someone you trust access to your accounts. Find out about the options available and what you need to do.
You may need to give someone you trust access to your accounts to help you manage your money. For example, you may have a serious health condition or want to get things ready for when you might not be able to manage in the future.
Giving someone access to your bank account so they can manage it for you is an important decision, but it could be essential for your well-being.
Depending on the type of access in place, a representative with access to your accounts could:
If you don’t want to hand over control of your finances, we also offer:
Trusted Person Card – This is a debit card linked to your current account, that you can give to someone you trust, to shop for essentials or withdraw money.
Trusted Person Alerts – This is a service that lets you choose someone you trust to receive text messages from us, about your current account activity.
More information about these services can be found on our types of access page.
You’ll need to tell us if this happens. Please call 0345 300 0051 Lines are open 8am - 8pm, seven days a week. Alternatively, you can visit your local branch.
If you and the representative are married or in a civil partnership, their authority will come to an end when the marriage / civil partnership formally ends, unless the legal document says otherwise.
This applies to all types of power of attorney, but not to court appointments, such as deputyship or guardianship.
If the representative passes away, we must be notified. We would need the death certificate or updated lasting power of attorney document stamped by the relevant Office of the Public Guardian; Scotland or England and Wales.
Please call 0345 300 0051 Lines are open 8am - 8pm, seven days a week. Alternatively, you can visit your local branch.
If the account holder passes away, the representative access would stop and the estate would be managed under the bereavement process.
If you or someone you know needs support with banking from home, we can help.
You might not feel comfortable talking about finances with your loved ones. But it’s sometimes those conversations that are the most important ones to have. To make it easier you should:
If you would like further advice and guidance you can find free and impartial money advice at MoneyHelper.
Helping or caring for a loved one living with mental illness, or experiencing this yourself, can be challenging. We have support available to help you feel more in control.
If you are struggling with your mental health and would like to get some further information and support, Mental Health UK, NHS Scotland or NHS UK could help you.
For more help Mental Health & Money Advice have free guidance you can trust.
Calls and online sessions may be monitored and recorded. Not all Telephone Banking services are available 24 hours a day, seven days a week.