Customer access tool

If you need to help someone close to you, or would like someone to help you with your finances, there are options available to support you. You can use the customer access tool to help understand the options available based on your needs.

Where does the account holder live?

England and Wales

Scotland

Northern Ireland

Please note - If you are outside of the UK, we can only accept documents that have been drawn up in the UK.

Based on the answers you provided, the access below could be appropriate for you. Select the access type to find out more.

Lasting Power of Attorney (LPA) - Property and financial affairs expandable section

A Lasting Power of Attorney (LPA) allows someone to look after your affairs but is different to a General/Ordinary Power of Attorney as it can include your personal welfare as well as your property and financial affairs.

You could make an LPA if you have been diagnosed with, or think you may develop, an illness which may prevent you from making decisions for yourself in the future, such as dementia, mental health conditions, brain injury, side-effects of medical treatment or other illness or disability.

You must make an LPA while you are still capable of making decisions for yourself. This type of Power of Attorney has to be registered with the Office of the Public Guardian before you can use it. There is a registration fee which you can get further advice and information on from the Office of the Public Guardian.

As a representative with Lasting Power of Attorney, you could have access to:

Lasting Power of Attorney (LPA) - Property and financial affairs - England and Wales
Card	Cheque Book	Branch Services	Telephone Banking	Online Banking
Card Yes	Cheque Book Yes	Branch Services Yes	Telephone Banking Yes	Online Banking Yes

Enduring Power of Attorney (EPA) expandable section

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

It’s possible that before 1st October 2007 you made an Enduring Power of Attorney (EPA), allowing someone to manage your property or financial affairs but not your personal welfare. This would allow your attorney to look after your affairs if you still had mental capacity and, if it was registered, could also continue if you lost your mental capacity.

It’s no longer possible to make a new EPA (except in Northern Ireland). However, one can still be registered if it was made before 1st October 2007 and is still valid.

If the EPA hasn’t been registered, and you lose your mental capacity, your attorney can apply to continue using the EPA by registering it with the Office of the Public Guardian. There is a registration fee which you can get further advice and information on from the Office of the Public Guardian.

As a representative with Enduring Power of Attorney (EPA), you could have access to:

Enduring Power of Attorney (EPA) - England and Wales
Card	Cheque Book	Branch Services	Telephone Banking	Online Banking
Card Yes	Cheque Book Yes	Branch Services Yes	Telephone Banking Yes	Online Banking Yes

Based on the answers you provided, the access below could be appropriate for you. Select the access type to find out more.

General/Ordinary Power of Attorney expandable section

If you want someone to look after your financial affairs, you can give them a General Power of Attorney (GPA). You might choose this option if you have a physical illness, injury, or are abroad for a long period.

You should not use this if you have been diagnosed with or think you may develop a mental health condition or disease which can lead to mental incapacity. This is because a GPA does not continue if you lose your mental capacity.

As a representative with General/Ordinary Power of Attorney, you could have access to:

General/Ordinary Power of Attorney - England and Wales
Card	Cheque Book	Branch Services	Telephone Banking	Online Banking
Card Yes	Cheque Book Yes	Branch Services Yes	Telephone Banking Yes	Online Banking Yes

Third Party Mandate expandable section

This is a formal instruction from you to us. It tells us that you’d like another party to have access to your accounts to carry out everyday banking transactions while in branch or over the phone, such as making payments, or just to allow disclosure of account information on your banking and/or savings accounts. 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.

As a representative with Third Party Mandate, you could have access to:

Third Party Mandate - England and Wales
Card	Cheque Book	Branch Services	Telephone Banking	Online Banking
Card Yes	Cheque Book No	Branch Services Yes	Telephone Banking Yes	Online Banking No

My Trusted Person Card expandable section
The My Trusted Person Card is a debit card linked to your own Personal Current Account but with a different card number and PIN. You will still have control of the card and you can keep track of how it is being used and will be able to cancel it at any time.

You can give the My Trusted Person Card and PIN to different trusted people at different times to use for spending or taking money out from a cash machine. When you give them your My Trusted Person Card, it means you’re agreeing they can make payments and withdrawals from your account up to the weekly limits.

Please remember, the My Trusted Person Card is separate to your Personal Current Account debit card, you should not give your PIN out for any other cards you might have other than the My Trusted Person Card.

Key benefits of the My Trusted Person Card:

Your trusted person can use the My 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 My Trusted Person Card will be shown on your statement.

The My Trusted Person Card can not be used to make purchases online, abroad, or over the phone.

The trusted person will not be able to see your account balance.

Your Personal Current Account sort code and account number will not be printed on the card.

The My 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 a My Trusted Person Card, please call us on 0345 720 3040.

Lines open for My Trusted Person Card applications 8am – 8pm, seven days a week. Alternatively, you can visit your local branch.
Trusted Person Alerts expandable section
Trusted Person Alerts is a service that lets you choose someone you trust to receive text messages from us, about your current account activity.

Things to know about Trusted Person Alerts:

Your trusted person won’t have access to your accounts – for example to make payments or see balances. They will only receive text messages that you have agreed that we can send with limited information about your account activity.

We will only send alerts about your current account activity. We won’t send alerts about any other type of account, like credit cards, mortgages, or business accounts.

This service is available to customers with sole or joint current accounts.

You can activate the service for as long as you need it.

You or your joint account holder can cancel the service at any time.

For further information and to check your eligibility, please call us on 0345 720 3040.

Lines are open 8am – 8pm, seven days a week. Alternatively, you can visit your local branch.

Based on the answers you provided, the access below could be appropriate for you. Select the access type to find out more.

Deputyship Order expandable section

If you lose mental capacity and have not previously made, or are no longer capable of making, a Power of Attorney arrangement, the Court of Protection can decide who can handle your affairs. Usually a trusted close friend, family member or someone else can apply for a Court Order to appoint a Deputy for you. The Court Order will set out what decisions the Deputy can make on your behalf.

As a representative with Deputyship Order, you could have access to:

Deputyship Order - England and Wales
Card	Cheque Book	Branch Services	Telephone Banking	Online Banking
Card Yes	Cheque Book Yes	Branch Services Yes	Telephone Banking Yes	Online Banking Yes

Appointeeship expandable section

The Department for Work and Pensions (DWP) can appoint someone to act on behalf of a person receiving state benefits who cannot manage their benefit related affairs because they have a physical disability or do not have mental capacity.

The DWP will issue an Appointee with a BF57 form to confirm their appointment. This document should be presented along with suitable identification to register the Appointeeship with us. A new account is opened in the name of the account holder. A debit/ATM card is available on this account on request.

An Appointee only has authority to manage the benefit payments on the designated account opened. If the Appointee needs to manage other finances they will need to seek advice on other options which would be more suitable, such as a Power of Attorney or Deputyship Order.

As a representative with an Appointeeship, you could have access to:

Appointeeship - England and Wales
Card	Cheque Book	Branch Services	Telephone Banking	Online Banking
Card Yes	Cheque Book Yes	Branch Services Yes	Telephone Banking Yes	Online Banking No

Based on the answers you provided, the access below could be appropriate for you. Select the access type to find out more.

Access to Funds Scheme expandable section

This arrangement allows a person or an organisation to access your funds to pay for day-to-day living expenses and any debts due when you are no longer capable of accessing them yourself. The scheme allows your representative to do what is specified in the Certificate of Authority, for example request information about your account, open an account in your name, transfer money between your accounts and open or close a bank account for you, if necessary.

As a representative with Access to Funds, you could have access to:

Access to Funds Scheme - Scotland
Card	Cheque Book	Branch Services	Telephone Banking	Online Banking
Card Yes	Cheque Book Yes	Branch Services Yes	Telephone Banking No	Online Banking No

Contact us expandable section

Give us a call on 0345 300 0041. Lines are open 8am - 8pm, seven days a week. We can help discuss your options or arrange a branch appointment.

Based on the answers you provided, the access below could be appropriate for you. Select the access type to find out more.

Continuing Power of Attorney (CPA) expandable section

A Continuing Power of Attorney (CPA) allows someone to take care of your day-to-day finances and, depending on the wording in the document, to pay bills, look after bank accounts, collect benefits and buy or sell property. These powers can be used when you (the granter) still have mental and/or physical capacity and will continue if you are no longer able to manage your own affairs. The CPA must be made by you and you can choose whether the attorney has access immediately or not. It can specify that it can only be used when you are no longer capable of managing your own affairs.

We will accept a CPA on your behalf as long as the wording in the document gives the attorney the power to manage your finances. The CPA must be registered before it can be used and there is a registration fee which you can find more about from the Office of the Public Guardian.

As a representative with Continuing Power of Attorney, you could have access to:

Continuing Power of Attorney (CPA) - Scotland
Card	Cheque Book	Branch Services	Telephone Banking	Online Banking
Card Yes	Cheque Book Yes	Branch Services Yes	Telephone Banking Yes	Online Banking Yes

Based on the answers you provided, the access below could be appropriate for you. Select the access type to find out more.

General/Ordinary Power of Attorney expandable section

If you want someone to look after your financial affairs, you can give them a General Power of Attorney (GPA). You might choose this option if you have a physical illness, injury, or are abroad for a long period.

You should not use this if you have been diagnosed with or think you may develop a mental health condition or disease which can lead to mental incapacity. This is because a GPA does not continue if you lose your mental capacity.

As a representative with General/Ordinary Power of Attorney, you could have access to:

General/Ordinary Power of Attorney - Scotland
Card	Cheque Book	Branch Services	Telephone Banking	Online Banking
Card Yes	Cheque Book Yes	Branch Services Yes	Telephone Banking Yes	Online Banking Yes

Third Party Mandate expandable section

This is a formal instruction from you to us. It tells us that you’d like another party to have access to your accounts to carry out everyday banking transactions while in branch or over the phone, such as making payments, or just to allow disclosure of account information on your banking and/or savings accounts. 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.

As a representative with Third Party Mandate, you could have access to:

Third Party Mandate - Scotland
Card	Cheque Book	Branch Services	Telephone Banking	Online Banking
Card Yes	Cheque Book No	Branch Services Yes	Telephone Banking Yes	Online Banking No

My Trusted Person Card expandable section
The My Trusted Person Card is a debit card linked to your own Personal Current Account but with a different card number and PIN. You will still have control of the card and you can keep track of how it is being used and will be able to cancel it at any time.

You can give the My Trusted Person Card and PIN to different trusted people at different times to use for spending or taking money out from a cash machine. When you give them your My Trusted Person Card, it means you’re agreeing they can make payments and withdrawals from your account up to the weekly limits.

Please remember, the My Trusted Person Card is separate to your Personal Current Account debit card, you should not give your PIN out for any other cards you might have other than the My Trusted Person Card.

Key benefits of the My Trusted Person Card:

Your trusted person can use the My 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 My Trusted Person Card will be shown on your statement.

The My Trusted Person Card can not be used to make purchases online, abroad, or over the phone.

The trusted person will not be able to see your account balance.

Your Personal Current Account sort code and account number will not be printed on the card.

The My 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 a My Trusted Person Card, please call us on 0345 720 3040.

Lines open for My Trusted Person Card applications 8am – 8pm, seven days a week. Alternatively, you can visit your local branch.
Trusted Person Alerts expandable section
Trusted Person Alerts is a service that lets you choose someone you trust to receive text messages from us, about your current account activity.

Things to know about Trusted Person Alerts:

Your trusted person won’t have access to your accounts – for example to make payments or see balances. They will only receive text messages that you have agreed that we can send with limited information about your account activity.

We will only send alerts about your current account activity. We won’t send alerts about any other type of account, like credit cards, mortgages, or business accounts.

This service is available to customers with sole or joint current accounts.

You can activate the service for as long as you need it.

You or your joint account holder can cancel the service at any time.

For further information and to check your eligibility, please call us on 0345 720 3040.

Lines are open 8am – 8pm, seven days a week. Alternatively, you can visit your local branch.

Based on the answers you provided, the access below could be appropriate for you. Select the access type to find out more.

Guardianship Order expandable section

This is an order under the Adults with Incapacity (Scotland) Act 2000 from the Sheriff Court stating who has been appointed to look after your financial affairs, welfare or both, if you are unable to look after them yourself. It also details what the appointed guardian(s) can actually do. We can only accept an order that gives the guardian control over your financial affairs.

As a representative with Guardianship Order, you could have access to:

Guardianship Order - Scotland
Card	Cheque Book	Branch Services	Telephone Banking	Online Banking
Card Yes	Cheque Book Yes	Branch Services Yes	Telephone Banking Yes	Online Banking Yes

Intervention Order expandable section

This is an order provided under the Adults with Incapacity (Scotland) Act 2000 from the Sheriff Court stating who has been appointed (the intervener) to make a particular decision or to take certain action on your behalf. Once that particular decision or certain action has been completed the order will automatically expire. We can accept an order if the action or decision relates to your financial affairs.

As a representative with Intervention Order, you could have access to:

Intervention Order - Scotland
Card	Cheque Book	Branch Services	Telephone Banking	Online Banking
Card Yes	Cheque Book Yes	Branch Services Yes	Telephone Banking Yes	Online Banking Yes

Appointeeship expandable section

The Department for Work and Pensions (DWP) can appoint someone to act on behalf of a person receiving state benefits who cannot manage their benefit related affairs because they have a physical disability or do not have mental capacity.

The DWP will issue an Appointee with a BF57 form to confirm their appointment. This document should be presented along with suitable identification to register the Appointeeship with us. A new account is opened in the name of the account holder. A debit/ATM card is available on this account on request.

An Appointee only has authority to manage the benefit payments on the designated account opened. If the Appointee needs to manage other finances they will need to seek advice on other options which would be more suitable, such as Power of Attorney or Deputyship Order.

As a representative with an Appointeeship, you could have access to:

Appointeeship- Scotland
Card	Cheque Book	Branch Services	Telephone Banking	Online Banking
Card Yes	Cheque Book Yes	Branch Services Yes	Telephone Banking Yes	Online Banking No

Access to Funds Scheme expandable section

This arrangement allows a person or an organisation to access your funds to pay for day-to-day living expenses and any debts due when you are no longer capable of accessing them yourself. The scheme allows your representative to do what is specified in the Certificate of Authority, for example request information about your account, open an account in your name, transfer money between your accounts and open or close a bank account for you, if necessary.

As a representative with Access to Funds, you could have access to:

Access to Funds Scheme - Scotland
Card	Cheque Book	Branch Services	Telephone Banking	Online Banking
Card Yes	Cheque Book Yes	Branch Services Yes	Telephone Banking No	Online Banking No

Based on the answers you provided, the access below could be appropriate for you. Select the access type to find out more.

Enduring Power of Attorney (EPA) expandable section

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

In Northern Ireland you can make a new Enduring Power of Attorney (EPA), which allows someone to manage your property or financial affairs but not your personal welfare. This would allow your attorney to look after your affairs if you still had mental capacity and, if it was registered, could also continue if you lost your mental capacity.

If the EPA hasn’t been registered, and you lose your mental capacity, your attorney can apply to continue using the EPA by registering it with the Office of Care and Protection. There is a registration fee which you can get further advice and information on from the Office of Care and Protection.

As a representative with Enduring Power of Attorney, you could have access to:

Enduring Power of Attorney (EPA) - Northern Ireland
Card	Cheque Book	Branch Services	Telephone Banking	Online Banking
Card Yes	Cheque Book Yes	Branch Services Yes	Telephone Banking Yes	Online Banking Yes

Based on the answers you provided, the access below could be appropriate for you. Select the access type to find out more.

General/Ordinary Power of Attorney expandable section

If you want someone to look after your financial affairs, you can give them a General Power of Attorney (GPA). You might choose this option if you have a physical illness, injury, or are abroad for a long period.

You should not use this if you have been diagnosed with or think you may develop a mental health condition or disease which can lead to mental incapacity. This is because a GPA does not continue if you lose your mental capacity.

As a representative with General/Ordinary Power of Attorney, you could have access to:

General/Ordinary Power of Attorney - Northern Ireland
Card	Cheque Book	Branch Services	Telephone Banking	Online Banking
Card Yes	Cheque Book Yes	Branch Services Yes	Telephone Banking Yes	Online Banking Yes

Third Party Mandate expandable section

This is a formal instruction from you to us. It tells us that you’d like another party to have access to your accounts to carry out everyday banking transactions while in branch or over the phone, such as making payments, or just to allow disclosure of account information on your banking and/or savings accounts. 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.

As a representative with Third Party Mandate, you could have access to:

Third Party Mandate - Northern Ireland
Card	Cheque Book	Branch Services	Telephone Banking	Online Banking
Card Yes	Cheque Book No	Branch Services Yes	Telephone Banking Yes	Online Banking No

My Trusted Person Card expandable section
The My Trusted Person Card is a debit card linked to your own Personal Current Account but with a different card number and PIN. You will still have control of the card and you can keep track of how it is being used and will be able to cancel it at any time.

You can give the My Trusted Person Card and PIN to different trusted people at different times to use for spending or taking money out from a cash machine. When you give them your My Trusted Person Card, it means you’re agreeing they can make payments and withdrawals from your account up to the weekly limits.

Please remember, the My Trusted Person Card is separate to your Personal Current Account debit card, you should not give your PIN out for any other cards you might have other than the My Trusted Person Card.

Key benefits of the My Trusted Person Card:

Your trusted person can use the My 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 My Trusted Person Card will be shown on your statement.

The My Trusted Person Card can not be used to make purchases online, abroad, or over the phone.

The trusted person will not be able to see your account balance.

Your Personal Current Account sort code and account number will not be printed on the card.

The My 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 a My Trusted Person Card, please call us on 0345 720 3040.

Lines open for My Trusted Person Card applications 8am – 8pm, seven days a week. Alternatively, you can visit your local branch.
Trusted Person Alerts expandable section
Trusted Person Alerts is a service that lets you choose someone you trust to receive text messages from us, about your current account activity.

Things to know about Trusted Person Alerts:

Your trusted person won’t have access to your accounts – for example to make payments or see balances. They will only receive text messages that you have agreed that we can send with limited information about your account activity.

We will only send alerts about your current account activity. We won’t send alerts about any other type of account, like credit cards, mortgages, or business accounts.

This service is available to customers with sole or joint current accounts.

You can activate the service for as long as you need it.

You or your joint account holder can cancel the service at any time.

For further information and to check your eligibility, please call us on 0345 720 3040.

Lines are open 8am – 8pm, seven days a week. Alternatively, you can visit your local branch.

Based on the answers you provided, the access below could be appropriate for you. Select the access type to find out more.

Controllership Order expandable section

If you lose mental capacity and have not previously made, or are no longer capable of making, a Power of Attorney arrangement, the Office of Care and Protection can decide who can handle your affairs. Usually a trusted close friend, family member or someone else can apply for a Court Order to appoint a Controller for you. The Court Order will set out what decisions the Controller can make on your behalf.

As a representative with Controllership Order, you could have access to:

Controllership Order - Northern Ireland
Card	Cheque Book	Branch Services	Telephone Banking	Online Banking
Card Yes	Cheque Book Yes	Branch Services Yes	Telephone Banking Yes	Online Banking Yes

Appointeeship expandable section

The Department for Work and Pensions (DWP) can appoint someone to act on behalf of a person receiving state benefits who cannot manage their benefit related affairs because they have a physical disability or do not have mental capacity.

The DWP will issue an Appointee with a BF57 form to confirm their appointment. This document should be presented along with suitable identification to register the Appointeeship with us. A new account is opened in the name of the account holder. A debit/ATM card is available on this account on request.

An Appointee only has authority to manage the benefit payments on the designated account opened. If the Appointee needs to manage other finances they will need to seek advice on other options which would be more suitable, such as Power of Attorney or Deputyship Order.

As a representative with an Appointeeship, you could have access to:

Appointeeship - Northern Ireland
Card	Cheque Book	Branch Services	Telephone Banking	Online Banking
Card Yes	Cheque Book Yes	Branch Services Yes	Telephone Banking Yes	Online Banking No

Next steps

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