Lasting power of attorney

Giving someone long-term support with their finances

A lasting power of attorney allows family, friends or a professional person such as a solicitor to support in managing someone else's finances. These people are known as attorneys. If a time comes when an account holder is unable to work with their attorneys to manage their money, a lasting power of attorney means their attorneys will be able to take care of long-term financial decisions in the account holder's best interests.

Account holders can only arrange a lasting power of attorney while they still have the mental capacity to do so. If they don’t have a lasting power of attorney and they eventually lose mental capacity, a Court of Protection Order will be needed.

Already got a lasting power of attorney?

Register it now

Who can be an attorney?

As an attorney you can be a friend, relative or professional person such as a solicitor or accountant. You must be over 18 (in Scotland it's 16), and the account holder can have more than one attorney.

If account holders want to appoint more than one attorney, they’ll need to specify whether attorneys are to act:


  • Jointly – this means that the attorneys must all sign for transactions and make joint decisions and they cannot act independently of each other
  • Jointly and severally – this means the attorneys can make decisions on their own or with other attorneys.

Account holders can state that attorneys act jointly in some matters and jointly and severally in others.

Each attorney will be required to attend their local branch with their ID before they are able to use the account.

What we can give attorneys

When you register as an attorney with Nationwide, you can request: 


  • A chequebook
    We can give you and the account holder, or just one of you, chequebooks.
  • A card
    We can give you a card, but only if we cancel the account holder’s card.
  • Account statements
    Current accounts: both you and the account holder can choose to receive statements.
    Savings accounts: only one person can receive statements.
  • 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 power of attorney document 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 power of attorney document.
    • To be personally named as an attorney in the power of attorney document.
    • To not be acting 'jointly' with another attorney. 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.

Important:

If the account holder lacks mental capacity, we’ll cancel their card and chequebook. We'll also send statements to you, the attorney. Unfortunately, we cannot cancel the account holder’s access to the Internet Bank or Banking app (if they were registered previously).


What attorneys cannot do

When acting as an attorney with Nationwide, you cannot:


  • Use or apply for credit 
    We cannot let attorneys 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 attorneys on the following savings accounts: Treasurers 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 attorneys cannot transact over the phone.
  • Use the Nationwide Banking app
    Attorneys cannot use our Banking app yet, but you may be able to use our Internet Bank.
  • Have a card if:
    • Your power of attorney 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 attorney. This means you have to make decisions together.

Safeguarding and security

You must always act in the donor’s best interests. For their protection, we may sometimes refuse transactions or contact the Office of the Public Guardian to discuss them.

Is the lasting power of attorney the same all over the UK?

No, it isn’t. Lasting power of attorney differs depending on where you live in the UK.

In England and Wales, there used to be an Enduring Power of Attorney – but this was replaced by the lasting power of attorney in 2007. However, if the account holder arranged their Enduring Power of Attorney before 2007, it can still be used to manage their accounts.

Getting lasting power of attorney documents

Once the account holder has chosen someone to be their attorney, they'll need to create and register the lasting power of attorney documents. The forms can be complicated, so they may want to ask a solicitor to help them. Once they've applied, it takes around 10 weeks to register. 

Find out more

Power of attorney helpdesk

0800 464 30 18 (UK)

Useful information

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Saturday: 9am - 12pm

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