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 Citizens Advice.

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.

The Trusted Person Card is a debit card linked to your own personal current account. But unlike other debit cards you may have, your trusted person can use it to buy the things you need.

You can give the Trusted Person Card and PIN to different trusted people at different times to use for spending or taking money out from a cash machine. To protect you, the card has a weekly spending limit of £100 and a weekly cash withdrawal limit of £100.

When you give them your Trusted Person Card, it means you’re agreeing they can make payments and withdrawals from your account up to the weekly limits.

Please remember, you should not give your PIN out for any other cards you might have other than the Trusted Person Card.

Key benefits of the Trusted Person Card:

You will retain full control of the account, keep track of how it is being used and will be able to cancel the Trusted Person Card at any time.

• Your trusted person can use the Trusted Person Card to withdraw £100 a week from a cash machine and make purchases at UK tills and terminals of up to £100 a week. There are some limited circumstances where these limits could be exceeded which are outlined in the Terms and Conditions. 
• All transactions made using the Trusted Person Card will be shown on your statement
• The Trusted Person Card will not be able to make purchases online, abroad, or over the phone
• Your trusted person will not be able to see your account balance
• Your sort code and account number will not be printed on the card
• The Trusted Person Card will have a different card number and PIN to your existing debit card

For further information about the Terms and Conditions, or to check your eligibility and apply for the Trusted Person Card, please call us on 0345 721 3141.

Lines open for Trusted Person Card applications 8am to 8pm, seven days a week.

Alternatively, you can visit your local branch to make an appointment.