Lasting power of attorney

Getting long-term support with your finances

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

You can only arrange a lasting power of attorney while you still have the mental capacity to do so. If you don’t have a lasting power of attorney and you 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 your attorney?

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

If you do want to appoint more than one attorney, you need to specify whether they are to act:


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

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

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

What we can give attorneys

When your attorney registers with Nationwide, they can request:


  • A chequebook
    We can give you and your attorney, or just one of you, a chequebook.
  • A card
    We can give your attorney a card, but only if we cancel your card.
  • Account statements
    Current accounts: both you and your attorney can choose to receive statements.
    Savings accounts: only one person can receive statements.
  • Online access
    We may be able to give them and the account holder, or just one of you, access to the Internet Bank. They will need:
    • An account with us that’s eligible for Internet Bank access. If they don't already have Internet Bank access set up on their own accounts, we can set this up for them as part of the registration process.
    • A power of attorney document that doesn't include restrictions on what they can do. For example, limits to which accounts or how much money they can access.
    • A UK address when they 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 they have to make decisions together.
    • To not be acting on behalf of someone with a Nationwide joint account. If this is the case, they need to manage all of your accounts in branch.

Important:

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


What attorneys cannot do

When acting as an attorney with Nationwide, your attorney cannot:


  • Use or apply for credit 
    We cannot let attorneys run up unsecured debt in someone else’s name. This means they cannot apply for credit cards, overdrafts or loans on your behalf. But they 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
    Attorneys can call us to ask questions about your account, but they cannot transact over the phone.
  • Use the Nationwide Banking app
    Attorneys cannot use our Banking app yet, but they may be able to use our Internet Bank.
  • Have a card if:
    • Your power of attorney document has restrictions on what they can do with that account. For example, there's a limit to how much money they can access.
    • They’re acting ‘Jointly’ with another attorney. This means they have to make decisions together.

Safeguarding and security

It's very important that you only give a lasting power of attorney to someone you trust. You need to be sure they'll act in your best interests because you're allowing them to carry out transactions on your behalf for which you'll be responsible.

For your 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 you arranged your Enduring Power of Attorney before 2007, it can still be used to manage your accounts if you lose capacity.

Getting your lasting power of attorney documents

Once you’ve chosen someone to be your attorney, you need to create and register your lasting power of attorney documents. The forms can be complicated, so you may want to ask a solicitor to help you. Once you’ve applied, it takes around 10 weeks to register. 

Find out more

Power of attorney helpdesk

0800 464 30 18 (UK)

Useful information

Monday to Friday: 9am - 5pm
Saturday: 9am - 12pm

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