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    • The different types of representative access

    The different types of representative access

    What will my representative be able to do?

    By allowing someone control of your account you give them permission to:

    • Use your account(s) in the same way that you had done previously.
    • Access your account(s) online and by telephone, should you wish.
    • Use a card and cheque book on your account(s).
    • Open additional accounts on your behalf.

    Depending on the type of access you have granted, your representative may not be able to do all of these things. Please contact your Relationship Manager to find out more.

    The different types of access are displayed in the table below:

    Types of Access Country where account is registered Suitable for customers who have mental capacity Card Cheque Book Branch Servicing Telephone Banking Internet Banking
    General/Ordinary Power of Attorney United Kingdom Yes
    •  
    •  
    •  
    •  
    •  
    Enduring Power of Attorney England & Wales, Northern Ireland Yes*
    •  
    •  
    •  
    •  
    •  
    Lasting Power of Attorney England & Wales Yes*
    •  
    •  
    •  
    •  
    •  
    Continuing Power of Attorney Scotland Yes*
    •  
    •  
    •  
    •  
    •  

    *If set prior to losing mental capacity

    • General/Ordinary Power of Attorney (UK) expandable section

      An option if you live abroad or become ill and you’d like someone to help manage your finances, including your bank accounts. This option is not right for you if you lose mental capacity, or in Scotland also physical capacity.

      For more information you may want to contact a lawyer or the Citizens Advice Bureau.

    • Enduring Power of Attorney expandable section

      Enduring Power of Attorney - EPA (England, Wales)

      This option will allow someone to help manage your finances including your bank accounts, either before or after you lose mental capacity.

      If you are losing or have lost mental capacity, the EPA has to be registered with the Office of the Public Guardian (OPG) before your attorney can continue to help.

      Enduring Power of Attorney – EPA (Northern Ireland)

      This option will allow someone to help manage your finances including your bank accounts, either before or after you lose mental capacity.

      An EPA has to be registered with the Office of Care and Protection before it can be used.

    • Lasting Power of Attorney property and financial affairs - LPA (England, Wales) expandable section

      This option will allow someone to help manage your finances including your bank accounts, either before or after you lose mental capacity.

      An LPA has to be registered with the Office of the Public Guardian (OPG) before it can be used.

    • Continuing Power of Attorney - CPA (Scotland) expandable section

      This option will allow someone to help manage your finances including your bank accounts either before or after you lose mental and or physical capacity.

      The CPA has to be registered with the Office of the Public Guardian (OPG) – Scotland before it can be used.

    Plan your next steps

    Follow our step by step guide to help you register a trusted person to manage you account and finances.

    • How to register for power of attorney
    Back Back to Someone to manage your affairs

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    Bank of Scotland plc. Registered Office: The Mound, Edinburgh EH1 1YZ.  Registered in Scotland no. SC327000. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Registration Number 169628.

    Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS). Due to FSCS and FOS eligibility criteria not all business customers will be covered.

    Lloyds Banking Group is a financial services group that incorporates a number of brands including Bank of Scotland. More information on Lloyds Banking Group can be found at lloydsbankinggroup.com.

    © Bank of Scotland plc 2026. All rights reserved

    FSCS Protected.

    Bank of Scotland plc. Registered Office: The Mound, Edinburgh EH1 1YZ.  Registered in Scotland no. SC327000. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Registration Number 169628.

    Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS). Due to FSCS and FOS eligibility criteria not all business customers will be covered.

    Lloyds Banking Group is a financial services group that incorporates a number of brands including Bank of Scotland. More information on Lloyds Banking Group can be found at lloydsbankinggroup.com.

    © Bank of Scotland plc 2026. All rights reserved