How could this help me?

Giving someone you trust access to your accounts is an important decision, but it could be essential for your well-being now and in the future.

You might appoint a representative for many reasons. For example, you may have a serious health condition or you might want to get things ready for when you can’t manage them yourself.

What do I need to do?

1) Choose access type

There are different types of access available depending on your situation.

  • Power of Attorney – gives someone the legal authority to make decisions on your behalf.
  • Court Order – to appoint someone to act on your behalf if you are unable.

2) Prepare documentation

To confirm the identity of the representative, they will need to show us the following documents:

  • Power of Attorney or Court Order documents.
  • Proof of identity and address.

Please note for Power of Attorney and Court Orders, we would need to see original documents or certified copies of the document.

If you registered a Lasting Power of Attorney after September 2019 and received a digital code, you can use this instead.

3) Talk to a specialist

You can register over the phone* by calling 0800 085 9131. Lines are open 8am - 8pm, seven days a week.

*In some circumstances you may not be able to register over the phone.

If you need to post anything to us, use this address:

MBNA Representative Access Unit
MBNA Limited
Credit Card Operations

If required, 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

Banking from home

If you or someone you know needs support with banking from home, we can help.

Conversations about money

It’s understandable to feel uncomfortable talking about finances with your loved ones. To make it easier you should:

  1. Choose the right time and place.
  2. Be open and honest.
  3. Be willing to compromise and agree to disagree.
  4. Avoid using blaming language.
  5. Seek support if you need it.

If you would like further advice and guidance you can find free and impartial money advice at MoneyHelper.

Protect your wellbeing

Helping or caring for a loved one living with mental illness, or experiencing this yourself, can be challenging. We have support available to help you feel more in control.

If you are struggling with your mental health and would like to get some further information and support, Mental Health UK, NHS UK or Mental Health & Money Advice could help you.