Financial Planning: Power of Attorney: What an Attorney can do

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What an Attorney can do

An Attorney can help make decisions about someone's finances, or make decisions on their behalf.

If the Power appoints a sole Attorney or multiple Attorneys who can each act separately (e.g jointly and severally) the table below provides guidance on the services that we can provide.

If the Power appoints more than one Attorney to act together (i.e. 'jointly'), all Attorneys have to act together. This means that any services restricted to sole access cannot be provided. This includes debit cards, internet banking, mobile banking and telephone banking.

If the Power of Attorney document contains restrictions, we need to comply with the restrictions which may mean that we cannot provide some of these services.

General Power of Attorney Enduring Power of Attorney Lasting Power of Attorney
Manage Donor's account/s if mental capacity is lost yes - asterisk yes
Hold a debit card** yes yes yes
Issue cheques / make payments (e.g. bills) / withdraw cash yes yes yes
Pay in cash / cheques yes yes yes
Order cheque book / credit book yes yes yes
Order a replacement debit card / PIN** yes yes yes
Order a statement yes yes yes
Set up / amend / cancel standing orders and direct debits yes yes yes
Access Telephone Banking** yes yes yes
Access Online Banking*** yes yes
Access to Mobile Banking** yes yes
Change the Donor's address yes yes yes
Apply for ISAs yes yes
Open / Close accounts on behalf of the Donor yes yes
Obtain information regarding the Donor's account/s yes yes yes
Retrieve items from safekeeping yes yes yes
Sign a Mortgage loan agreement yes yes yes
Arrange an overdraft

* If the Customer (Donor) loses/is losing mental capacity, an Enduring Power of Attorney must be sent to the Office of the Public Guardian for registration.
** If the Power of Attorney appoints more than one Attorney, they must be able to act separately as well as together (i.e. jointly and severally).
*** If the power appoints more than one Attorney, they must be able to act separately as well as together (ie jointly and severally). In addition, only one person can access a sole account through Internet Banking. Therefore, either one Attorney or the individual they are acting for can have internet access, not both.

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