Appoint someone to manage your affairs
If you need help looking after your money, you can give someone you trust access to your credit card and loan accounts. Find out about the different options and what they need to do.
How could this help me?
You may need to give someone you trust access to your credit card and loan accounts so they can help you manage your money.
There are many reasons why you might need someone else to do this for you. For example, you may have a serious health condition or want to get things ready for when you might not be able to manage in the future.
Giving someone the ability to manage your money for you is an important decision, but it could be essential for your future well-being. It could also give you, and the person caring for you, peace of mind that everything is being looked after.
Types of access
There are different types of access available depending on your situation.
What do I need to do?
If you know what access you need, your appointed person can follow this step-by-step guide to arrange it with us:
1) Prepare your documents
Your appointed person will need to show us the following:
- Power of attorney or court order documents
We need original documents or copies signed by a solicitor or other legal professional. If you registered a lasting power of attorney after September 2019 and received a digital code to be shared with banks and financial institutions, you can use this instead.
- Proof of identity and address
We’ll need to confirm the identity of your appointed person. Please see our list of acceptable identification.
2) Contact us
Your appointed person can phone us on 0800 085 9131 when they have all the documentation to hand.
If you need to post anything to us, use this address:
MBNA Representative Access Unit
Credit Card Operations
3) We'll confirm your access
Once everything is complete, we’ll confirm that your appointed person will be able to use our:
- Telephone services to discuss and call your credit card or loan account with us.
- Online Card Services to access and manage your credit card online.
More help and guidance
If you need help to register a power of attorney or court order for someone else, call us on 0800 085 9131 and our specialist team will support you.
You can get further advice and information from the Office of the Public Guardian in England and Wales, the Office of the Public Guardian in Scotland, the Office of Care and Protection in Northern Ireland or your solicitor.
Supporting you in exceptional circumstances
We appreciate that there will be times where you need to support a family member with their finances but do not have any power of attorney or third party access in place.
If you are in this position and need to talk to someone, please contact us on 0800 085 9131 and we may be able to help in the short term while you apply for longer term access.
What to do if your situation changes
Please call us to tell us if this happens.
If you and your appointed person are married or in a civil partnership, the arrangement will come to an end when you separate, unless the legal document says otherwise. This applies to all types of power of attorney, but not to court appointments, such as deputyship or guardianship.
You must notify us if your appointed person passes away and supply us with the death certificate or updated lasting power of attorney document stamped by the Office of the Public Guardian.