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Power Of Attorney (POA)

A Power of Attorney (POA) is a legal document that allows you (the donor) to choose a representative (the attorney) to have the legal authority to make decisions about your property and financial affairs on your behalf.

Please feel free to choose from one of the options below to jump straight to that topic:
> How do I register a Power of Attorney on a Santander account?
> Which types of Power of Attorney (POA) exist?
> Frequently Asked Questions about Power of Attorney (POA)


How do I register a Power of Attorney (POA) on a Santander account?

To register a POA on a Santander account, simply follow the four easy steps below:

Step 1

Complete POA Application Form

  • All fields within the POA Form must be completed.
  • This includes all account numbers, signatures (where appropriate), attorney details and the ticking of the relevant POA document type.
Step 2

Provide POA Documentation

  • Provide a copy of the complete POA document (including any blank pages). General POAs must be certified by a solicitor.
  • For Enduring POAs with Court of Protection and Lasting POAs, each page must be stamped by the Office of Public Guardian.
  • This can either be a copy of the original document certified by a Santander branch or a copy of the original document certified by a solicitor.
Step 3

POA Personal Identification

  • Provide two clear and visible copies of personal identification for each attorney -one form of identification from List 1 AND one separate form of identification from List 2. See a list of acceptable ID.

    Please note that documents from the same source cannot be used twice.
Step 4

Submit POA Application Form

  • Send your fully completed Santander POA form, POA documents and personal ID for all attorneys to the following address:
    Santander
    POA Application
    Power of Attorney Team
    Banking & Savings Registrations
    PO Box 1109
    Bradford
    BD1 5ZJ

On receipt of your POA documents, the Santander POA Team will process the application. Within 10 working days, you will receive written confirmation of your registration.

In the rare event that your POA application requires additional information, further documentation may be requested to enable the speedy registration of your POA application.

Online Banking

If you use the Online Banking service, you will automatically see the accounts you are Power of Attorney on listed within your account summaries.

If you wish to have separate access or are not already registered for Online Banking, this can be arranged by calling 0845 9724 724* (we are available 7am - 11pm Monday to Saturday and 8am - 10pm on Sundays).

Note: Online Banking access is only available for the following Power of Attorney types:

  • Enduring Power of Attorney (EPOA)
  • Lasting Power of Attorney (LPOA)

Which types of Power of Attorney (POA) exist?

There are several types of POA that exist in England, Scotland, Wales and Northern Ireland. Below is a table showing the main types of POA available.

England, Wales and Northern Ireland:

General Power of Attorney (GPOA)

  • This may be appropriate if you require an attorney to handle your financial matters for a temporary period, e.g. if you are going abroad on a gap year.You can still have all your normal access on the account.
  • The GPOA ends if you become mentally incapable of managing your affairs, if you die or if you cancel the GPOA.

Enduring Power of Attorney (EPOA)*

  • This may be appropriate if you would like an attorney to continue to handle your financial matters after you become mentally incapable of dealing with your own affairs/accounts.
  • The EPOA may state that the attorney can act for you now or that the attorney can only act for you when you are no longer mentally capable of dealing with your own affairs.
  • You can still have all your normal access on the account as long as you remain mentally capable of managing your affairs.

EPOA with
Court of Protection

  • If you have an existing EPOA and you become mentally incapable of managing your own affairs/accounts, your attorney must register the EPOA with the Office of the Public Guardian*.
  • The EPOA will be stamped by the Office of Public Guardian*.
  • At this point you will no longer have access to your account and, once the EPOA has been stamped, your attorney can manage your account on your behalf.

* High Court (Office of Care and Protection) in the case of Northern Ireland.

Lasting Power of Attorney (LPOA)**

  • The LPOA replaces an EPOA**
  • As with an EPOA, a LPOA may state that the attorney can act for you now or that the attorney can only act for you when you are no longer mentally capable of dealing with your own affairs.
  • As with an EPOA, you can still have all your normal access on the account as long as you remain mentally capable of managing your affairs.
  • Before a LPOA can be used in any circumstances, it must be registered with the Office of Public Guardian.
  • The LPOA must be stamped on every page by the Office of Public Guardian.
  • LPOAs do not apply to Northern Ireland.


** The LPOA (Lasting Power of Attorney) document has replaced the EPOA (Enduring Power of Attorney) document since 1st October 2007. Any EPOAs drawn up before this date are still valid


Scotland:

General Power of Attorney (GPOA)
  • This may be appropriate if you require an attorney to handle your financial matters for a temporary period, e.g. if you are going abroad on a gap year.You can still have all your normal access on the account.
  • The GPOA ends if you become mentally incapable of managing your affairs, if you die or if you cancel the GPOA.
Continuing Power of Attorney (CPOA)
  • The CPOA is the Scottish equivalent of a LPOA.
  • It enables an attorney to make decisions based on your financial and property affairs.
  • The CPOA and the Certificate of Registration must be stamped on every page by the Office of Public Guardian.
  • A CPOA can be used immediately after registration.

Other Scenarios

England and Wales

Court of Protection Order***

  • This is not a POA.
  • If you do not have an EPOA or LPOA and you are no longer capable of managing your financial affairs, your relatives or friends would need to apply to the Court of Protection for a court order appointing a deputy to manage your affairs.
  • You will not be able to access your account but the deputy will manage your account.


*** (In Northern Ireland the equivalent is a controller appointed by the Office of Care and Protection).

Someone acting under a Court Order

  • This applies in the same situation as the appointment of a court deputy, but relates to a one off decision regarding your financial affairs.

Appointee of the Department of Work and Pensions (DWP)

  • The DWP appoint an appointee to act on your behalf where you receive state benefits
  • You cannot manage your state benefits related affairs because of your mental incapacity or severe physical disability.

Scotland only

A financial guardian or financial intervener

  • This is where the court grants authority to an individual or group of individuals to act on behalf of you where you lack the mental capacity to make decisions.

Appointee of the Department of Work and Pensions (DWP)

  • The DWP appoint an appointee to act on your behalf where you receive state benefits.
  • You cannot manage your state benefits related affairs because of your mental incapacity or severe physical disability.

A withdrawer under the access to funds scheme

  • Office of the Public Guardian issues a certificate of authority stating how funds in an adult's account are to be used.
  • The certificate authorises an individual to set up a designated account on your behalf for the purposes of covering your living costs.

Frequently Asked Questions about Power of Attorney (POA)

What rights do I have to use the account?

If a GPOA, EPOA or LPOA is registered on your account, you still have the legal right to continue to operate your account during the period the attorney is registered, unless you become mentally incapable of managing your affairs.

Can attorneys access an account online?

In some cases Yes. If you have been awarded either of the following you will be able to access an account online:

  • Enduring POA (EPOA) or
  • Lasting POA (LPOA) or

If you use the Online Banking service, you will automatically see the accounts you are Power of Attorney on listed within your account summaries.

If you wish to have separate access or are not already registered for Online Banking, this can be arranged by calling 0845 9724 724* (we are available 7am - 11pm Monday to Saturday and 8am - 10pm on Sundays).
More information on Santander Online Banking can be found here

What happens if the account holder dies?

If you die and the account has a POA registered on it, the Attorney can no longer operate the account as POA access ceases on death.

Which forms of personal identification are valid with my POA application?

When applying by post, use the guidelines from the link below to provide one form of identification from List 1 AND one separate form of identification from List 2 for each POA.

Please note that documents from the same source cannot be used twice.

See a list of acceptable ID.

This relates only to the ID requirements for POAs. There are separate ID requirements in place when you open a new Santander account.