Access types

An option if you live abroad or become ill and you’d like someone to help manage your finances, including your bank accounts. This option is not right for you if you lose mental capacity, or in Scotland also physical capacity.

For more information you may want to contact a lawyer or the Citizens Advice Bureau.

Enduring Power of Attorney - EPA (England, Wales)

This option will allow someone to help manage your finances including your bank accounts, either before or after you lose mental capacity.

If you are losing or have lost mental capacity, the EPA has to be registered with the Office of the Public Guardian (OPG) before your attorney can continue to help.

Enduring Power of Attorney – EPA (Northern Ireland)

This option will allow someone to help manage your finances including your bank accounts, either before or after you lose mental capacity.

An EPA has to be registered with the Office of Care and Protection before it can be used.

This option will allow someone to help manage your finances including your bank accounts, either before or after you lose mental capacity.

An LPA has to be registered with the Office of the Public Guardian (OPG) before it can be used.

This option will allow someone to help manage your finances including your bank accounts either before or after you lose mental and or physical capacity.

The CPA has to be registered with the Office of the Public Guardian (OPG) – Scotland before it can be used.

If you lose mental capacity, someone can apply to the Court of Protection for a deputyship order to manage your bank accounts and other matters.

The deputyship order will say what the person (deputy) can do.

If you lose mental capacity someone can apply to the Sheriff Court for a guardianship order to manage your bank accounts and other matters.

The guardianship order will say what the person (guardian) can do.

If you lose mental capacity someone can apply to the High Court for a controllership order to manage your bank accounts and other matters.

The controllership order will say what the person (controller) can do.

If you lose mental capacity someone can apply to the Sheriff Court for an intervention order to manage your bank accounts and other matters.

The intervention order will say what the person (intervener) can do.

An intervention order comes to an end once the decision or action allowed has been completed.

This is a formal instruction from you to us. It tells us that you’d like another party to have access to your account(s) to carry out everyday banking transactions while at the branch or over the phone, such as making payments, or just to allow disclosure of account information on your banking and/or savings account(s). They can also have a debit card to help you with your shopping. This can cover all of your banking and/or savings accounts or just specific ones detailed by you.