Different types of Power of Attorney

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 can make your own decisions.

Lasting Power of Attorney is typically used to give someone you chose legal authority to make decisions for you, either now or in the future if, for example, you lose the mental capacity to make your own decisions.

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 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, and these roles are able 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. 

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.
  • Please make sure you've read the FSCS information sheet and exclusions (787 KB) before completing the registration form.

Alternatively, you can register a Power of Attorney by downloading and printing our postal registration form (1.25 MB)

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
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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