Arranging Power of Attorney
Power of Attorney lets you arrange for someone you trust to manage your finances on your behalf. You may want to do this due to a change in your health or a change in your circumstances, such as moving abroad. You may not need someone to help you now, but you can set up a Power of Attorney for the future, just in case.
There are different types of Power of Attorney, and you may want to arrange more than one:
Ordinary Power of Attorney is typically used to cover a temporary period, such as a hospital stay or holiday, or for those who find it hard to get to a branch. Ordinary Power of Attorney can only be used while you can make your own decisions.
Lasting Power of Attorney is typically used to give someone the legal authority over your finances if you lose your mental capacity. You can also plan for it to come into force at a future time.
Court of Protection is used when you lose your mental capacity and have no Power of Attorney in place. The Court of Protection can appoint someone to make decisions on your behalf. The UK government has provided some useful guidance on this process.
Here’s how you might use the different types of supported banking
|Can be used if you:||Carers Card||Third party access||General Power of Attorney||Lasting Power of Attorney||Court of Protection|
|Just need help with the small things, like shopping or getting cash.|
|Are physically ill, injured or disabled.|
|Need a little help with looking after your day-to-day banking, for a shorter period of time, but you don't want someone to make decisions for you.|
|You will be abroad, and won't have access to your account (for example, travelling)|
|Are preparing for when you'll be unable to make decisions, or want someone to start looking after all of your finances|
|No longer have the mental capacity to make decisions, and someone needs to do this for you.|
To learn more, including how to set up PoA documents, take a look at the government's website
We also have a handy factsheet (pdf, 57 KB)
Power of Attorney is just one of the ways we may be able to help you if you're worried about looking after your money now or later on in life. There's more information on our supported banking pages.
How we can help
To register a new Power of Attorney please fill in our registration form or alternatively you can book an appointment to go into a branch to complete the registration form.
- We can register a maximum of 2 attorneys on your Santander account(s). If you have more than 2 attorneys listed on your Power of Attorney legal document, you must choose 2 of them to be registered on your Santander account(s).
- We can't apply restrictions such as maximum daily withdrawal limits.
If you have any questions, you can call our Power of Attorney helpline on 0800 414 8414.
If you need to change an existing Power of Attorney registration
We can revoke, amend or update attorney details that have already been registered, please contact the helpline.