Power of Attorney lets you arrange for someone you trust to make decisions on your behalf and 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 still have mental capacity to make your own decisions.

Lasting Power of Attorney or Continuing Power of Attorney is typically used to give someone the legal authority over you finances if you lose your mental capacity but can also be used when mental capacity is retained. You can register it now or plan for it to come into force at a future time. 

Court of Protection (Known as Guardianship in Scotland or Controllership in Northern Ireland) 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 accessGeneral Power of AttorneyLasting Power of AttorneyCourt of Protection
Just need help with the small things, like shopping or getting cash.
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Are physically ill, injured or disabled.
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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. 
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You will be abroad, and won't have access to your account (for example, travelling).
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Are preparing for when you'll be unable to make decisions, or want someone to start looking after all of your finances.
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No longer have the mental capacity to make decisions, and someone needs to do this for you. 
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Arranging a Power of Attorney

Who can be an attorney? 

  • This can be anyone you choose: a spouse, child, family member or a friend, someone you trust.
  • Your attorney must be over the age of 18. 
  • You may not always be in a position to choose someone you know, and this is fine. 
  • You can also talk to a solicitor, accountant or another professional like a financial adviser to take on this responsibility if something were to happen. 

Consider who should be your attorney. 
The most important thing to consider is choosing someone you trust, and someone who will be able to act in your best interest if you ever needed them to. 

You should talk to the person(s) you want to nominate, and understand if they are comfortable with this responsibility also. You should try and consider someone who knows you well, and someone you would trust in making decisions for you.

Finding out more

  • To learn more, including how to set up a Power of Attorney document, take a look at the government website. This is a useful starting point to help think about what to consider, and how to complete this yourself.
  • If you think you'd like some help with setting up a Power of Attorney we've arranged for our personal customers to benefit from preferential rates with Irwin Mitchell who can give advice and information. By clicking on the link below you’ll be able to learn more. No cost will be charged for clicking on the link and enquiring about how Irwin Mitchell can help. Take a look at Irwin Mitchell's website to learn more
  • If you already have a PoA document, or you’re an attorney looking for more information, we have a factsheet about registering a power of attorney (926 KB) which might answer many of your questions. 
  • 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 in later life. For more information please see our supported banking pages. 

 

Register your Power of Attorney with us
You can use our online form to register a PoA. 

  • Use the button below to get to the form
  • You’ll need some ID (2.16 MB) to hand 
  • It should take 10-20 mins to fill in
  • You can learn a little bit more in the sections below about what happens in the future when you’ve set up a PoA with us.

Alternatively, book an appointment to come into one of our branches or print, fill in and send our postal registration form (64 KB) or call us on 0800 414 8414. 

  • Please make sure you've read the FSCS information sheet and exclusions (787 KB) before completing 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). 
  • If you have an account with us and you lose mental capacity, you’ll lose access to your account(s). This information is for personal banking and business banking sole trader accounts and excludes all other business banking and corporate banking accounts 

Personal details

If your attorney has any accounts with us, they’ll need to make sure that all of their details with us are up-to-date and correct before registering an attorney. Any inaccuracies in personal details could cause delays to registering them as attorney. 

Yours and your attorney’s addresses need to be up-to-date and match the addresses listed in our registration form.

Restrictions and changes of circumstance

While you can have restrictions or preferences in your PoA document, it's your responsibility and your attorney's responsibility to make sure you're acting in line with them and your attorney's responsibility if you lose mental capacity. They’ll also need to make sure they keep us up to date with any changes in circumstances.

Office of the Public Guardian access codes

We now accept Office of the Public Guardian (OPG) Digital Access codes. For more information, visit the OPG website  

Foreign PoA documents

We don’t accept Foreign Power of Attorney documents: we only accept UK and Northern Ireland Power of Attorney Legal Documents.
 

If your attorney is a professional (solicitor, accountant, financial adviser etc) or a Local Authority they can go into branch or use the online or postal forms. 

We can only register professional attorneys who represent businesses in the United Kingdom and Northern Ireland.

This form is not to be used if a Trust Corporation is appointed on the Power of Attorney document. For more guidance on registering a Trust Corporation please call 0800 414 8414 for the correct application form.

Power of Attorney online registration Register

If you need to change an existing Power of Attorney registration
If you want us to we can revoke, amend or update attorney details that have already been registered, please contact the helpline. 

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