|Authorised actions on behalf of account holder||Powers|
|Third Party Mandate||General Power of Attorney||Continuing Power of Attorney||Guardianship Order||Department for Work & Pensions (DWP) Appointee|
|Hold a debit card||Y||Y||Y||Y||Y|
|Order bank statements||Y||Y||Y||Y||Y|
|Make payments on the account (such as bills)||Y||Y||Y||Y||Y|
|Hold a cheque/paying-in book and issue cheques*||Y||Y||Y||Y||Y|
|Obtain information on account from branch||Y||Y||Y||Y||Y|
|Access Telephone Banking||Y||Y||Y||Y||N|
|Access Internet Banking||Y||Y||Y||Y||N|
|Apply for an ISA||N||Y
See Note 1
|Open/close accounts in account holder's name||N||Y||Y||Y||Y|
The information supplied in the table is intended as a quick summary to give you an overview of the types of actions a third party or attorney can carry out on the account holder’s account. There are exceptions. These depend on the powers granted/restricted in the mandates/orders/powers, and must be strictly adhered to.
Third Party Mandates let the account holder specify the access given to the third party. A Power Of Attorney will specify any restrictions added to the power that restricts the attorney carrying out certain actions. When a Court grants an Order it will stipulate the powers awarded. The table is a general guide; the Bank will adhere to any specific access levels contained in the power or order or Third Party Mandate.
If the customer lives in Scotland, Scots law will apply and if a customer lives in England, English law applies.
|Situation||Powers||Third Party Mandate||General Power of Attorney||Continuing Power of Attorney|
|Account holder wants to cancel||The mandate is revoked upon receipt of account holder’s Instruction.||The power is cancelled by Deed of Revocation. We would accept the account holder's instruction to cancel, but would advise they do obtain a Deed of Revocation and serve it on the attorney.||
If account holder is mentally capable, we will temporarily accept the instruction to cancel from them, but long term we would need to see that they have formally cancelled with the Office of the Public Guardian (Scotland).
The Power Of Attorney document will be stamped as revoked by Office of the Public Guardian (Scotland). A certificate completed by a prescribed person (registered medical practitioner or a practising solicitor or a legal advocate) must be attached to the letter informing the Office of Public Guardian (Scotland) of the revocation.
|Third Party/Attorney dies or loses mental capacity||The mandate is automatically revoked.||The power is automatically revoked, unless joint attorneys were appointed on a joint and several basis, or the power of attorney expressly states otherwise.||The power is automatically revoked unless joint attorneys were appointed on a joint and several basis, or the power of attorney expressly states otherwise.|
* Not all accounts allow cheque or paying in books. If the account falls into this category no cheque book or paying in book will be available to the third party/attorney/appointee for order.
1. Applies where customers are physically incapable of opening the ISA account or are in active service in the armed forces at the time the ISA is opened.