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Third-party access to bank accounts

Getting help, or helping someone else

From power of attorney to Court of Protection orders, we explain the options for getting help managing your accounts, and what to do if you’ve been appointed to help someone else.

Making sure the right support is in place

There may be circumstances – either now or in the future – where you’ll need a bit of help with managing your money. Planning for the future can be difficult, especially when we don’t know what’s around the corner. But making sure you have the right support in place in case you’re not able to manage your money yourself could prevent lengthy – and often difficult – situations.

Having someone help you

There are several options available, depending on the amount of help you need. Is it help with day-to-day finances, or do you need to hand over control?

In most circumstances, you’ll keep full access to your accounts. But if you’re no longer able to make decisions about your finances, you can delegate full control to someone you trust in advance.

Planning for the future can help to make sure that the people you trust can help you in an emergency.

Helping someone else

If someone you care for becomes unwell or is taken into hospital, being able to pay bills or withdraw money on their behalf can ease stress at a difficult time.

There are a number of options available, depending on the type of support you need to give them.

Independent financial and legal advice can help you, and the person you’re caring for, put the right precautions in place for the future.

Key things to consider

Hopefully, you’ll never need to ask someone to help you manage your money. But in case life takes an unexpected turn, we’re here to help you feel in control.?

  • 1. Which option is right for me? 1. Which option is right for me?

    There are various options available to help with money management, both now and when planning for the future. You’ll need to decide carefully on which option works best for you.

    For example, a third-party authority agreement may suit you if you want someone to help you complete basic banking transactions, like accessing cash or checking your balance.

    This could be a family member or a friend, but if you’d like someone to have more control over your finances if something were to happen to you, you could appoint someone with lasting power of attorney. Other options are available, too, which we explain in more detail.

  • 2. Where can I get independent advice? 2. Where can I get independent advice?

    Where can I get independent advice?

    The Citizens Advice website has impartial information on how to manage the affairs of someone else.

    We’re not able to give you any legal or financial advice, but here are details of other organisations and groups that could help.

    The Office of Public Guardian

    publicguardian.gov.uk or call 0300 456 0300

    Age UK

    ageuk.org.uk or call free on 0800 169 65 65

    Mental Health Foundation

    mentalhealth.org.uk or call 020 7803 1101

    MIND (National Association for Mental Health)

    mind.org.uk or call the advice line on 020 8519 2122

    Citizens’ Advice Bureau

    citizensadvice.org.uk or call 08444 111 444

    British Bankers’ Association

    bba.org.uk or call 020 7216 8800

    Alzheimer’s Society

    alzheimers.org.uk or call 0300 222 1122

    Carer’s Trust

    carers.org.uk or call 0844 800 4361

    Friends of the Elderly

    fote.org.uk or call 020 7730 8263

    The Stroke Association

    stroke.org.uk or call 0303 3033 100

    Call charges

The different types of third-party access

Here we explain the options available to you, the circumstances for which each is suitable, and how to set them up.

  • Third-party authority

    Third-party authority

    A third-party authority is a short-term agreement between you and someone you trust (the ‘nominee’). This could be a family member or close friend who can access your bank accounts and pay bills or withdraw money on your behalf.

    • You can cancel the agreement whenever you like
    • It doesn’t have to be registered with the authorities
    • Your nominee doesn’t have to bank with us, but we will need to keep a record of their details

    What your nominee can do

    • Access your transactions and ask for a balance or statement
    • Ask us to send a statement to you or them
    • Order a chequebook or credit book
    • Have and use a debit card for your account
    • Access Telephone Banking or Online Banking

    Who’s it suitable for?

    A third-party authority may be useful if

    • You want someone you trust to have access to your money
    • You need help managing your finances in the short term or during periods of illness, or if you have recurring mental health problems
    • You want to specify which accounts your nominee has access to and how they access them – using Online Banking, for example, or only in branch
    • You’re going abroad for up to a year
    • You’re going to university
    • You’re going into hospital

    What your nominee can’t do

    • Change the type of account you have
    • Change your name, address or contact details
    • Open or close accounts
    • Changes or apply for products or services, such as insurance, credit cards or loans
    • Access any documents you've stored in Barclaysafe
    • Personalise your debit card

    Who isn’t it suitable for?

    A third-party authority isn’t suitable if

    • You or your nominee are under 18
    • You or your nominee lack mental capacity to manage financial affairs
    • ?You want to set limits on transactions made by your nominee (lasting power of attorney would be more suitable)
    • You’re going through bankruptcy
    • You want your nominee to have access to Barclays Smart Investor

    How many nominees can I have?

    You can choose up to two nominees. Nominees need to come to your appointment with you and bring proof of their ID.

  • Power of attorney

    Power of attorney

    A power of attorney (PoA) is a legal document that gives someone the authority to make decisions about property and finances on someone else’s behalf. In some cases, what the attorney can and can’t do will depend on your ability to make decisions about your finances.

    You must be mentally capable to give your authority to trusted individuals as attorneys.

    There are different types of PoA, which we’ve explained in more detail. For us to accept your delegation, it needs to be a PoA that relates to property and financial affairs.

    Lasting power of attorney

    This type of PoA is completed through the Office of the Public Guardian. Once it’s in place, you can use it both when you’re mentally capable and incapable if

    • You want someone you trust to have access to your money
    • You need long-term help managing your finances
    • You want to specify which accounts your attorney has access to and how they access them
    • You’re moving abroad or going travelling for more than a year
    • You’re going to university
    • You’re going into hospital

    You can add instructions and preferences to the document, including when you’d like attorneys to be able to act and how they’ll do so.

    Enduring power of attorney

    This type of PoA was in place before 1 October 2007 but has since been replaced by a lasting power of attorney. If you have one in place, you can still use it, in the same way as a lasting power of attorney. ?

    If you lose your mental capacity, the enduring power of attorney document must be registered with the Office of Public Guardian

    General power of attorney

    This type of PoA is only valid if you’re mentally capable and

    • You want someone you trust to have access to your money
    • You need short-term help managing your finances or during periods of illness, or if you have recurring mental health problems
    • You want to specify which accounts your attorney has access to and how they access them
    • You’re going abroad for up to a year
    • You’re going to university
    • You’re going into hospital

    Scottish power of attorney

    If you live in Scotland, there’s a Scottish Office of the Public Guardian that offers

    • Continuing power of attorney, which provides attorneys with the authority to deal with finances and property
    • Welfare power of attorney, which provides attorneys with the power to make decisions around health or personal welfare matters – this can’t be used with a financial institution
    • Combined power of attorney, which gives attorneys both continuing and welfare rights

    Can I have more than one attorney?

    Yes, though it’s important to consider whether you’d like them to act ‘jointly’ or ‘jointly and severally.’ This will affect how they manage your account.

    Jointly – all attorneys will need to be present to carry out a transaction and they won’t be able to manage your account in Telephone Banking or Online Banking, or have a debit card for your account.?

    Jointly and severally – attorneys can act independently, or together. They’ll be able to manage your account in Telephone and Online Banking, and have a debit card for your account.

    Prepare your documents

    If you’ve been legally authorised to access someone’s account, we’ll need to see an original copy of your power of attorney document that’s certified either by a solicitor, or by the person delegating authority to you.

    Further help

    Download the PoA toolkit

  • Court of Protection order

    Court of Protection order

    The Court of Protection is the authority that deals with making decisions on financial or welfare matters for people who, due to mental incapacity, can no longer make those decisions themselves. It’s the proposed ‘deputy’ that applies to the court, rather than the person needing the help.

    When could I consider a Court of Protection order?

    A Court of Protection order is an option if the person needing help has lost mental capacity and they don’t have a PoA, or anyone else to manage their finances. There are several reasons people may lack mental capacity, for example

    • They’ve had a serious brain injury or illness
    • They have dementia
    • They have severe learning disabilities

    Deputies are authorised by the Court of Protection to make decisions on behalf of the person needing help.

    The application can be a lengthy process for deputies trying to gain access. The courts will need to make sure they’re safeguarding those people who can no longer manage or look after their own affairs. While this is in progress, we can still pay essential bills from the person’s account, as long as those bills are in their name.

    Once the deputy is appointed they can

    • Manage a current account in Telephone Banking and Online Banking (as long as they’ve been appointed to act jointly and severally)
    • Use a debit card for the account
    • Sign cheques (the signature should be followed by ‘PoA’)
    • Have statements sent to their address
    • Update address details
    • Add, remove and cancel standing orders and Direct Debits
    • Open and close accounts

    Prepare your documents

    If you’ve been legally authorised to access someone’s account, we’ll need to see your original Court of Protection order, certified by a solicitor. Please bring it with you to your appointment.

  • Appointeeship

    Appointeeship

    This allows a delegated person to manage benefits from the Department for Work and Pensions (DWP) on behalf of someone else. You can apply for an appointeeship though the DWP.

    You can apply for the right to deal just with the benefits of someone over the age of 16 who’s unable to manage their own affairs because they’re mentally incapable or severely disabled.

    When could I consider an appointeeship?

    Unlike a power of attorney or Court of Protection order, an appointeeship only allows you to manage the benefits and not any other form of income or savings the person may have.

    Appointees manage benefit claims and benefit money on behalf of the person who’s mentally unable to do so. The appointee is also responsible for reporting any changes in the person’s circumstances.

    If the person has the mental capacity to manage their own benefits but would like some support from a trusted individual, they would need to grant power of attorney instead.

    Once appointed, the appointee can

    • Manage the account the benefits are paid into
    • Pay bills, including signing cheques
    • Use a debit card
    • Have statements sent to their address
    • Update address details
    • Add, remove and cancel standing orders and Direct Debits
    • An appointee can’t have access to Telephone Banking or Online Banking.

    Prepare your documents

    If the DWP agrees with the application, they’ll send you Form BF57 to confirm you’ve been formally appointed to act for the claimant – you’re not the appointee until this happens. You’ll need to bring this form with you to your appointment.

How to set up account access with us

Make an appointment to see us

Before we can allow someone to access your account (or for you to access someone’s account), you’ll need to make an appointment to see us at your local branch.

If you’re using a third-party authority, your nominee will need to come with you.

For PoA, only the appointed attorney needs to attend.

Your appointment will last between 30 minutes and an hour.

What to bring to your appointment

Everyone attending will need to bring acceptable identification.

If you have a Barclays debit card, you’ll need to bring it with you and know your PIN.

If you don’t bank with us, you’ll need to bring one of the acceptable forms of ID and proof of address listed on our?identifications page.

Check the relevant section for any other documents you’ll need to bring with you.

Ways to get in touch

Chat now

If you just want to discuss your options before coming to see us, chat with us now. We’re open 24/7, including holidays.

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Call us

If you want to talk to us, we have several numbers you can call for general information or specific queries.

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If you use BSL (British Sign Language), talk to us safely and easily through our SignVideo service.?

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