Power of attorney & third party account support
Other important information
Authorised actions on behalf of account holder
Powers
Third Party Mandate
General Power of Attorney
Enduring Power of Attorney
Lasting Power of Attorney
Deputyship Order
Department for Work & Pensions (DWP) Appointee
Hold a debit card
Y
Y
Y
Y
Y
Y
Withdraw cash
Y
Y
Y
Y
Y
Y
Order bank statements
Y
Y
Y
Y
Y
Y
Make payments on the account (such as bills)
Y
Y
Y
Y
Y
Y
Deposit cash/cheques
Y
Y
Y
Y
Y
Y
Hold a cheque/paying-in book and issue cheques*
Y
Y
Y
Y
Y
Y
Obtain information on account from branch
Y
Y
Y
Y
Y
Y
Access Telephone Banking
Y
Y
Y
Y
Y
N
Access Internet Banking
Y
Y
Y
Y
Y
N
Apply for an ISA
N
Y
See Note 1
Y
See Note 1
Y
Y
N
Open/close accounts in account holder's name
N
Y
Y
Y
Y
Y
| Authorised actions on behalf of account holder | Powers | |||||
|---|---|---|---|---|---|---|
| Third Party Mandate | General Power of Attorney | Enduring Power of Attorney | Lasting Power of Attorney | Deputyship Order | Department for Work & Pensions (DWP) Appointee | |
| Hold a debit card | Y | Y | Y | Y | Y | Y |
| Withdraw cash | Y | Y | Y | Y | Y | Y |
| Order bank statements | Y | Y | Y | Y | Y | Y |
| Make payments on the account (such as bills) | Y | Y | Y | Y | Y | Y |
| Deposit cash/cheques | Y | Y | Y | Y | Y | Y |
| Hold a cheque/paying-in book and issue cheques* | Y | Y | Y | Y | Y | Y |
| Obtain information on account from branch | Y | Y | Y | Y | Y | Y |
| Access Telephone Banking | Y | Y | Y | Y | Y | N |
| Access Internet Banking | Y | Y | Y | Y | Y | N |
| Apply for an ISA | N | Y See Note 1 |
Y See Note 1 |
Y | Y | N |
| Open/close accounts in account holder's name | N | Y | Y | Y | Y | Y |
Printable version of Authorised actions on behalf of account holder (PDF, opens in a new window)
The information supplied in this table is intended as a quick summary guide 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 adhered to strictly.
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.
Power revocation information
| Situation | Powers | |||
|---|---|---|---|---|
| Third Party Mandate | General Power of Attorney | Enduring Power of Attorney (must have been made and signed before October 2007). |
Lasting Power of Attorney | |
| Account holder wants to cancel | The mandate is revoked on 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 the power is unregistered, 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 the power has been registered with the Office of the Public Guardian, the account holder cannot cancel the power, unless they can evidence they have regained mental capacity. |
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. The Power Of Attorney document will be stamped as revoked by the Office of the Public Guardian. |
| 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. | The power is automatically revoked, unless joint attorneys were appointed on a joint and several basis. | The power is automatically revoked, unless joint attorneys were appointed on a joint and several basis or a substitute attorney has been appointed. |
* 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 you as a customer are physically incapable of opening the ISA account or are in active service in the armed forces at the time the ISA is opened. This restriction is not applicable if an Enduring POA is registered.
Power of attorney & third party account support
Supporting our customers
You can find impartial information and guidance on money matters on the “MoneyHelper” website.
Clydesdale Bank is covered by the Financial Services Compensation Scheme (FSCS), Find out more.