You decide what they can do. This can include:
Cards and chequebooks
If we issue a card to your attorney, we’ll need to cancel yours. So they can hold the card on your behalf. That's because there can only ever be one cardholder.
However, you can both hold a chequebook. If you’d prefer to cancel yours, just let us know.
When a power of attorney is registered with us, you can choose which address all future mailings go to.
Savings account statements can only be sent to this address.
Current account statements can be sent to more than one address. So you can choose for your attorney and you, or all of your attorneys, if you have more than one, to receive them.
If you're unable to use online banking, we will consider providing your attorney online access. Contact us so that we can talk through and assess the situation with you.
Your attorney can manage your card and make repayments to it.
Your attorney can make payments to your mortgage and help manage it on your behalf. A power of attorney agreement allows an attorney to deal with your mortgage and property, unless you have stated otherwise within the document. Please talk to us to find out more.
What an attorney isn’t allowed to do
Attorneys are not allowed to:
- Run up an overdraft on your accounts
- Make payments using your credit card
- Take out a loan in your name.
Safeguarding and security
It's very important that you only give a General Power of Attorney to someone you trust. You're allowing them to carry out transactions on your behalf for which you will be responsible. So you need to be sure they will act in your best interests.
For your protection, we may sometimes refuse transactions or contact you to discuss them.