Why register a Court of Protection Order?

When you register your Court of Protection Order with us, you can start acting on behalf of the account holder.

As long as you’re acting in line with the Court of Protection Order, you can:

  • Access someone’s accounts

    You can do what the account holder would. This includes checking statements, making payments and setting up payments. 

  • Speak to us directly

    If you have a question or request, we won't need to speak to the account holder. So, you can make decisions quickly and easily.

  • Manage someone’s finances

    To help you manage an account, we’ll send you account statements and you’ll be able to visit branch on the account holder’s behalf. We may also be able to give you a card and online access.

To register a Court of Protection Order with Nationwide

You will need:

  • A valid Court of Protection Order appointing you to act on the account holder’s behalf.

What is a Court of Protection Order?

The Order is a legal document appointing someone (a 'deputy') to make decisions for someone else. It is issued by the Court of Protection (opens in a new window).

Why create a Court of Protection Order?

The Court of Protection only appoints a deputy for someone if they lack 'mental capacity’. This means they aren’t able to make decisions – perhaps due to illness, age or disability.

A friend or relative can apply to become a deputy. Or the Court can choose who to give this responsibility to. The Court will decide what the deputy can or can’t do.

There are different types of Order depending on where you live. Although the name and way someone can apply to act on someone’s behalf changes, each Order works in a similar way.

To create a Court of Protection Order

The Court will only appoint a deputy if:

  • Someone lacks the mental capacity to make their own decisions.
  • There is no lasting power of attorney in place already.

This is because the Court will decide everything, including:

  • What type of Order to use.
  • Who the deputy should be and how many deputies are needed.
  • What the deputies will have permission to do.

To learn more about becoming a deputy, visit GOV.UK (opens in a new window).

Other types of support

If someone still has mental capacity, they can set up a power of attorney.

If someone has lost mental capacity, check if their only income is social security benefits. If that's the case, you could apply to be an appointee with the Department for Work and Pensions (opens in a new window).

What we can give deputies

When you register as a deputy with Nationwide, you can request:

  • A chequebook

    We’ll give you a chequebook and cancel the account holder’s chequebook.

  • A card

    We’ll give you a card and cancel the account holder’s card.

  • Account statements

    Current accounts: we can send the statements to one or more deputies.

    Savings accounts: we can send the statements to one deputy only.

  • Online access

    We may be able to give you and the account holder, or just one of you, access to the Internet Bank. You will need:

    • An account with us that’s eligible for Internet Bank access. If you don't already have Internet Bank access set up on your own accounts, we can set this up for you as part of the registration process.
    • A Court of Protection Order that doesn't include restrictions on what you can do. For example, limits to which accounts or how much money you can access.
    • A UK address when you register the Court of Protection Order.
    • To be personally named as a deputy in the Court of Protection Order.
    • To not be acting 'jointly' with another deputy. This means you have to make decisions together.
    • To not be acting on behalf of someone with a Nationwide joint account. If this is the case, you need to manage all of their accounts in branch.


If you lack mental capacity when your attorney registers with us, we can cancel your card and chequebook if requested. We can also send statements to the attorney. We cannot cancel your access to the Internet Bank or Banking app (if you were registered previously).

What deputies cannot do 

When acting as a deputy with Nationwide, you cannot:

  • Use or apply for credit

    We cannot let deputies run up unsecured debt in someone else’s name. This means you cannot apply for credit cards, overdrafts or loans. But you can pay off existing debt and manage mortgage payments. 

  • Access all types of accounts

    We cannot register deputies on the following savings accounts: Treasurer’s Trust, PortfolioInvestor, Business Investor or Child Trust Fund.

  • Use telephone banking for payments or transfers

    You can call us to ask questions about the account, but deputies cannot transact on the phone.

  • Use the Nationwide Banking app

    Deputies cannot use our Banking app yet, but you may be able to use our Internet Bank.

  • Have a card if:

    • Your Order document has restrictions on what you can do with that account. For example, there’s a limit to how much money you can access. 
    • You’re acting ‘Jointly’ with another deputy. This means you have to make decisions together. 

How to register

To register as a deputy with Nationwide, follow these steps.

  1. Visit us in branch

    We'll help you fill out a registration form. This is where you can request things like a card and online access.

    You will need to bring:

    • the original Court of Protection Order document (or a copy certified by a professional, like a solicitor)
    • proof of ID (driver's license or passport)
    • proof of address (utility bill or statement less than 3 months old)

    There are more ways to prove your identity and address.

  2. Our specialist team will get you set up

    We’ll scan the documents and send them to our specialist team. 

    It takes up to 10 days to register you as a deputy with Nationwide. 

    If you need Internet Bank access and cannot receive text messages, you may need to come back into branch to set up your online access.

  3. That’s it – you’re ready to go

    We’ll post your Court of Protection Order registration confirmation.

    To help you get started, we’ll also send you:

    • instructions for how to start managing the accounts
    • any other items you’ve requested, like a chequebook or debit card.

    Existing Nationwide members can start transacting straightaway. 

    If you’re new to Nationwide, you’ll need to wait 4 working days before you can make any transactions on someone’s behalf. 

Or register by post

To register by post, we'll need your:

Please send the documents to:
POA Administration Team
Specialist Customer Support
Nationwide Building Society
SN38 3FN


We may still ask you to come into a branch with proof of ID and address. Registering by post takes at least 10 days. Once you’re registered, we'll post any original documents back to you.

Contact us for more help


Monday to Friday, 9am to 5pm.
Saturday, 9am to 12pm.


If you need to speak to a member of staff, pop into any branch.