Someone to manage your affairs

Someone to manage your affairs

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.

Why would I need someone to manage my affairs or support someone else?

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.

What would the representative be able to do?

Depending on the type of access in place, a representative with access to your accounts could:

Use your accounts in the same way you would.
Access your accounts online and by phone.
Use a card and cheque book on your accounts.
Open extra accounts on your behalf.
Deal with your home insurance policy.

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.

Three steps to appoint someone or become a representative

What to do if your circumstances change?

What happens if I or the representative changes address? expandable section

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.
What happens when a marriage or civil partnership ends? expandable section

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.
What would happen if the representative passed away? expandable section

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.
What would happen if the account holder passed away? expandable section

If the account holder passes away, the representative access would stop and the estate would be managed under the bereavement process.

Further support

Calls and online sessions may be monitored and recorded. Not all Telephone Banking services are available 24 hours a day, seven days a week.