Appoint someone to manage your affairs

A trusted person can help you manage your credit card and money matters. This could be a family member, friend or neighbour.

There are a number of reasons why someone may need to act on your behalf. You may be living abroad or have serious health conditions.

The person you choose can manage your account in different ways. Choosing the right option will depend on your circumstances

Power of attorney - this gives someone the legal authority to deal with third parties for you, such as banks or the local council, and in some cases the legal power to make a decision on your behalf. Where you should live, for instance.

A deputy appointed by the Court of Protection - in this case, a court will appoint someone on your behalf if you are unable to do so.

Depending on the type of access granted and the number of attorneys required to make decisions, the legal document could restrict us from offering some services.

General/ordinary power of attorney (UK)

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 (also physical capacity if you live in Scotland).

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

Enduring power of attorney - EPA (England/Wales)

This option gives a third party the ability to 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 chosen person (attorney) can continue to help.

Enduring power of attorney - EPA (Northern Ireland)

This option gives a third party the ability to 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)

This option gives a third party the ability to 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)

This option gives a third party the ability to 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.

Deputyship order (England/Wales)

If you lose mental capacity, someone can apply to the Court of Protection for a deputyship order to manage your bank accounts and other matters.

The deputyship order will say what the person (deputy) can do.

Guardianship order (Scotland)

If you lose mental capacity, someone can apply to the sheriff court for a guardianship order to manage your bank accounts and other matters.

The guardianship order will say what the person (guardian) can do.

Controllership order (Northern Ireland)

If you lose mental capacity, someone can apply to the high court for a controllership order to manage your bank accounts and other matters.

The controllership order will say what the person (controller) can do.

Intervention order (Scotland)

If you lose mental capacity, someone can apply to the Sheriff Court for an intervention order to manage your bank accounts and other matters.

The intervention order will say what the person (intervener) can do. It will come to an end once the decision or action allowed has been completed.

Step by step process guide

Here’s a guide on how to register a trusted person to manage your account and finances.

  1. Confirm the ‘access type’ required.
  2. Prepare documentation.
    Please note: if you need documentation for the access type you’re setting up, make sure you have this in place before calling us. For more guidance, please visit the website of the Office of the Public Guardian
  3. Contact us on 0800 085 913. Make sure you have the legal document to hand - you may need to post it to:

    MBNA Representative Access Unit
    MBNA Limited
    Credit Card Operations
    BX1 1LT
  4. Once everything is complete, the person you’ve authorised will be able to use:
  • Telephone banking – they’ll be able to call and discuss your account with us.
  • Online Card Services - they’ll be able to access and manage your account online.

Further information

For further advice and information, contact the Office of the Public Guardian (Office of Care and Protection in Northern Ireland) or your solicitor.