Life Moments

Caring for
someone vulnerable

Caring for someone that needs additional help?

If you’re caring for someone, you’re not alone. More than 6.5 million people in the UK provide unpaid care by looking after someone who is ill, older or disabled.

Giving a third party access to your bank accounts

Sometimes, you might need help to manage your bank accounts. If a Royal Bank of Scotland customer is mentally capable, then a third-party mandate can be put in place to allow another person access to their bank accounts.

A third-party mandate cannot be used in circumstances where a customer no longer has mental capacity.

A third party can

close accounts and change the statement address of accounts they are named on

have a debit card, cheque book and a pay-in book

enrol for telephone or digital banking

arrange and cancel any payments on the account e.g. standing orders, Direct Debits, Chaps payments

obtain any information relevant to an account they are named on.

A third party cannot

use any of the benefits on a packaged account

open accounts on behalf of a customer

upgrade/downgrade accounts including account conversions on behalf of a customer

apply for additional borrowing on existing accounts e.g. overdrafts, loans

reclaim funds from dormant accounts they were named on.

Register a third party with us

Download and complete the form below, signed by you as the customer and the third party. You will both need to bring 2 forms of identification into one of our branches.

Register a Power of Attorney

To register a Power of Attorney with us, you will need to complete the form below and come in to a branch.

Please bring with you the original copy of the full Power of Attorney document or a copy certified by a solicitor. Please be aware that some Power of Attorney documents contain certificates which we will also need to view. 

We will also need to see 2 forms of identification. For more information, please refer to our list of acceptable identification.

Download and complete the form below

Please download, complete and return the signed form in branch, along with two forms of acceptable identification.

Acceptable forms of identification

To register a Power of Attorney with us, make an appointment at any Royal Bank of Scotland branch and bring the relevant documents with you. You'll need one item to confirm your identity and another document that we can accept as proof of your address.

Frequently asked questions

Organisations that can offer support

Make the most of extra support available to help you care more effectively. The local authority of the person you care for may be able to help with this, you can find their details on the Gov.uk website. Other organisations will also be able to help.

A guide to social care
NHS

Information on Government services and allowances for carers
Gov.uk

Expert advice, information and support
Carersuk.org.uk

Advice on paying for the cost of care and managing money
Money Advice Service

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