Using a power of attorney
If you’re an attorney supporting someone else, we’re here to help you manage their Nationwide accounts.
Haven’t registered your power of attorney with us? You’ll need to do this before you can access someone else’s accounts. Find out how to register a power of attorney with us.
What's on this page
What is a power of attorney?
As a reminder, a power of attorney is a legal document. It lets you (the 'attorney') make decisions with or on behalf of someone else (the ‘donor’).
When you agree to act as an attorney, you agree to always make decisions in the best interests of the donor. And you can only act in ways they have set out in the document. For example, you may only have permission to manage a current account, but not investments.
How do I access someone else’s accounts?
Once you’ve registered a power of attorney with us, you can manage the donor’s accounts in branch or at a cash machine. And in some cases, we can give you online access to their accounts using the Internet Bank.
However you choose to bank, you must always act in line with the power of attorney document.
At a branch
As an attorney, you can make payments and transfers in branch. You can also manage regular payments like standing orders.
At a cash machine
If the account holder no longer needs their card (for example, if they’re no longer able to manage money themselves), we may be able to offer you a card for their account. So, you can make withdrawals at a cash machine – without having to come into branch.
Over the phone
You can call us to ask us any questions about the accounts you’re managing. But you cannot use telephone banking to make transactions. And we cannot give you access to anyone else’s accounts using our mobile Banking app yet.
If you’d like to manage the donor’s accounts using the Internet Bank, you’ll need to:
Have no restrictions as an attorney
This means there are no restrictions set out in the document on how you can manage the donor’s money. For example, there’s no limit to how much cash you can take out or which accounts you can access.
Act Jointly and Severally with any other attorneys
This means you can make decisions on your own or with other attorneys.
Be personally named as an attorney in the document
We cannot give online access to companies or organisations.
Have your own Nationwide account
We can only give online access to attorneys who are also a member of Nationwide.
Not be managing a joint account for the donor
If the donor has any joint accounts with us, we cannot give you online access at all. And you’ll need to manage all of their accounts another way.
What can I do as an attorney?
It’s up to the donor (the person you’re supporting) to decide what you can and cannot do on their behalf. And you must always need to act in line with the donor’s wishes that they’ve set out in the document.
What an attorney can do at Nationwide
Once the document is registered with us, some of the things you may be able to do at Nationwide include:
Paying bills and withdrawing cash
Managing regular payments (like standing orders)
Selling property or managing mortgage payments
How do I make changes to a power of attorney?
Making changes to a general power of attorney (GPA)
The simplest way to change a GPA is for the donor to create a new document. It’s a good idea to write ‘cancelled’ or ‘revoked’ on the existing document before creating a new one.
If this happens, the donor will need to let us know in writing. And we’ll cancel or change the attorney’s access within 10 working days.
Making changes to a lasting power of attorney (LPA)
As long as the donor has mental capacity, they can make changes to or end an LPA using a deed of revocation.
To add another attorney or end their LPA, the donor must ‘revoke’ the existing document. Then complete and register a new LPA.
As an attorney, you can only make changes to personal details once the power of attorney is in use. Or you can choose to resign as an attorney altogether.
To make changes to an LPA, contact the registration agency. For example, in England and Wales, you would contact the Office of the Public Guardian.
Can I get another attorney removed?
All attorneys must act in line with the power of attorney as it is a legal document.
If you have any concerns about the way an attorney is acting, contact the registration agency.
For example, in England and Wales, you should contact the Office of the Public Guardian. They’re responsible for monitoring lasting and enduring powers of attorney. And they have the power to investigate and remove an attorney who is not acting responsibly.
When does a power of attorney end?
When a power of attorney ends depends on which type of document you have. Once a power of attorney ends, we’ll need to know in writing.
Ending a general power of attorney (GPA)
The donor can decide a specific time when a GPA will end. Or it may end if either the donor or attorney lose mental capacity. This means it will end if they become unable to make decisions.
Ending a lasting power of attorney (LPA)
An LPA will generally only end once the donor dies.
If there is no suitable replacement attorney, an LPA may also end if the attorney:
- is responsible for managing money but becomes bankrupt or subject to a Debt Relief Order
- passes away
- loses mental capacity.
Looking for help?
Register a power of attorney
You need to register a power of attorney with us before you can start using it to manage Nationwide accounts. Find out how to register in branch or by post.
Other ways to support someone else
Learn more about the services we offer to help you manage someone else’s money.