A power of attorney is a legal document that lets you appoint one or more people (known as 'attorneys') to manage your bank account if you become unable to do so.
Once legally appointed, an attorney will have access to view and manage your existing accounts. This will include being able to:
You can only set up a power of attorney whilst the account holder has mental capacity - this means they are able to make their own decisions.
If you've already got power of attorney in place, let us know and we'll register the attorney on your account.
A person may lack mental capacity because of a problem with the way their brain functions and they are unable to make their own decisions, for example:
You can apply to become someone's deputy if they lack mental capacity. As a deputy you'll be authorised by the Court of Protection to make decisions on their behalf.
If you've already got a Court of Protection in place, let us know and we'll register you as a deputy on the account.
You'll need to gather the following documents and either post them to us or book an appointment in branch.
You can send the original or certified copy. If sending a copy, make sure the document is certified on every page.
The power of attorney and Court of Protection registration form tells us all the information we need to register the attorney or deputy and process their access to your bank account.
We need to confirm the identity of your attorney or deputy with both proof of ID and proof of address. These should be two separate documents - you can use either originals or certified copies.
You can book an appointment to bring all the documents above into a Co-operative Bank branch. We should be able to process the simple cases on the same day.
Here are the numbers you'll need to book an appointment.
Branch appointments for Co-operative Bank or smile accounts:
Call 03457 212 212 call charges
Lines are open 8am - 6pm Monday to Friday, 9am - 5pm Saturday and Sunday.
Branch appointments for Britannia accounts
Call +44 (0)800 132 304 call charges
Available Monday to Friday, 8am to 8pm, Saturdays 9am to 12pm.
You can post the documents to us, instead of coming into a branch. Once we've received your documents, we'll aim to scan and post them back to you by recorded delivery within the same day.
If possible, use a trackable delivery service. These are important documents that can be difficult and time-consuming to replace.
Post your documents to:
Power of attorney team
The Co-operative Bank
PO Box 200
Once we receive all of the completed documents, we'll begin to register the power of attorney or Court of Protection. This will take up to 10 working days.
If appropriate, we may call the account holder and the attorney or deputy to confirm they have been registered. We'll send confirmation of the registration in writing to the account holder, attorney or deputy.
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