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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.
Use our quick and simple Customer Access Tool to find out which type of access would best suit your circumstances.
The most common types of access are:
See all types of access available and what they mean.
To confirm the identity of the representative, we need to see:
Please note for power of attorney and court orders, we would need to see original documents or certified copies of the document.
If you registered a lasting power of attorney after September 2019 and received a digital code, you can use this instead.
You can register online
Register to become a representative
If the representatives are appointed to make decisions jointly, all representatives must register with us in order to act.
You can also register over the phone by calling 0345 300 0051. Lines are open 8am - 8pm, seven days a week.
We appreciate that there will be times where you need to support a family member with their finances, but do not have any power of attorney or third party access in place.
If you are in this position and need to talk to someone, please contact us on 0345 300 0051 and we may be able to help in the short term while you apply for longer term access. Lines are open 8am - 8pm, seven days a week.
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.
A serious illness may mean that you find that there’s an impact on your finances. We’re here to support you.
Calls and online sessions may be monitored and recorded. Not all Telephone Banking services are available 24 hours a day, seven days a week.