Once appointed, an Attorney can help make financial decisions on another person's behalf.
A Power of Attorney can appoint one Attorney or multiple Attorneys. If multiple Attorneys are appointed, depending on the Power of Attorney, they can either:
- Act 'jointly', meaning they must act together at all times
- Act 'jointly and severally' / 'jointly and individually', meaning they can act together or individually
Alternatively, you can consider appointing a Delegate to help you manage a specific account as set out in our Letter of Delegation form.
You can sign separate Letter of Delegation to appoint more than one Delegate to manage a specific account. Each Delegate can give us separate instructions on how to operate your account; they do not have to act jointly.
However, it's important to note that an Attorney and a Delegate may have different powers.
Please see the table below for a summary of what services we can provide to each type of third-party authorisation. Kindly note that if a Power of Attorney document contains restrictions1, we will need to comply and we may not be able to provide some services.
| Banking services3 | General Power of Attorney (signed before solicitors1) |
Letter of Delegation (signed at a branch) |
Enduring Power of Attorney2 |
|---|---|---|---|
| Manage account holder’s account(s) when the account holder has lost mental capacity | |||
| Obtain information about account holder's account(s) (ie account enquiry) | |||
| Open / close Basic Banking Account with Independence with account holder |
|||
| Make payments (ie remittance) | |||
| Withdraw/ Deposit cash | |
|
|
| Deposit/ Issue cheques | |||
| Apply internet/ mobile/ phone banking service | |||
| Operate account via internet/ mobile / phone banking | |||
| Apply ATM card | |||
| Operate account using ATM card | |||
| Order cheque book | |||
| Order statement | |||
| Order a replacement debit card/ PIN for the account holder | |||
| Set up/ amend/ cancel standing instruction and AutoPay | |||
| Change account holder’s correspondence address | |||
| Apply for new lending (Overdraft, Loan, mortgage and Credit Card) | |||
| Retrieve items from Safe Deposit Box |
Subject to the signing of ‘Appointment of Deputy of Lessee(s) of a Safe Deposit Locker’ by account holder
|
Subject to the signing of ‘Appointment of Deputy of Lessee(s) of a Safe Deposit Locker’ by account holder |
Subject to the terms of the ‘Enduring Power of Attorney’ |
| Banking services3 | Manage account holder’s account(s) when the account holder has lost mental capacity |
|---|---|
General Power of Attorney (signed before solicitors1) |
|
Letter of Delegation (signed at a branch) |
|
| Enduring Power of Attorney2 |
|
| Banking services3 | Obtain information about account holder's account(s) (ie account enquiry) |
General Power of Attorney (signed before solicitors1) |
|
Letter of Delegation (signed at a branch) |
|
| Enduring Power of Attorney2 |
|
| Banking services3 |
Open / close Basic Banking Account with Independence with account holder |
General Power of Attorney (signed before solicitors1) |
|
Letter of Delegation (signed at a branch) |
|
| Enduring Power of Attorney2 |
|
| Banking services3 | Make payments (ie remittance) |
General Power of Attorney (signed before solicitors1) |
|
Letter of Delegation (signed at a branch) |
|
| Enduring Power of Attorney2 |
|
| Banking services3 | Withdraw/ Deposit cash |
General Power of Attorney (signed before solicitors1) |
|
Letter of Delegation (signed at a branch) |
|
| Enduring Power of Attorney2 |
|
| Banking services3 | Deposit/ Issue cheques |
General Power of Attorney (signed before solicitors1) |
|
Letter of Delegation (signed at a branch) |
|
| Enduring Power of Attorney2 |
|
| Banking services3 | Apply internet/ mobile/ phone banking service |
General Power of Attorney (signed before solicitors1) |
|
Letter of Delegation (signed at a branch) |
|
| Enduring Power of Attorney2 |
|
| Banking services3 | Operate account via internet/ mobile / phone banking |
General Power of Attorney (signed before solicitors1) |
|
Letter of Delegation (signed at a branch) |
|
| Enduring Power of Attorney2 |
|
| Banking services3 | Apply ATM card |
General Power of Attorney (signed before solicitors1) |
|
Letter of Delegation (signed at a branch) |
|
| Enduring Power of Attorney2 |
|
| Banking services3 | Operate account using ATM card |
General Power of Attorney (signed before solicitors1) |
|
Letter of Delegation (signed at a branch) |
|
| Enduring Power of Attorney2 |
|
| Banking services3 | Order cheque book |
General Power of Attorney (signed before solicitors1) |
|
Letter of Delegation (signed at a branch) |
|
| Enduring Power of Attorney2 |
|
| Banking services3 | Order statement |
General Power of Attorney (signed before solicitors1) |
|
Letter of Delegation (signed at a branch) |
|
| Enduring Power of Attorney2 |
|
| Banking services3 | Order a replacement debit card/ PIN for the account holder |
General Power of Attorney (signed before solicitors1) |
|
Letter of Delegation (signed at a branch) |
|
| Enduring Power of Attorney2 |
|
| Banking services3 | Set up/ amend/ cancel standing instruction and AutoPay |
General Power of Attorney (signed before solicitors1) |
|
Letter of Delegation (signed at a branch) |
|
| Enduring Power of Attorney2 |
|
| Banking services3 | Change account holder’s correspondence address |
General Power of Attorney (signed before solicitors1) |
|
Letter of Delegation (signed at a branch) |
|
| Enduring Power of Attorney2 |
|
| Banking services3 | Apply for new lending (Overdraft, Loan, mortgage and Credit Card) |
General Power of Attorney (signed before solicitors1) |
|
Letter of Delegation (signed at a branch) |
|
| Enduring Power of Attorney2 |
|
| Banking services3 | Retrieve items from Safe Deposit Box |
General Power of Attorney (signed before solicitors1) |
Subject to the signing of ‘Appointment of Deputy of Lessee(s) of a Safe Deposit Locker’ by account holder
|
Letter of Delegation (signed at a branch) |
Subject to the signing of ‘Appointment of Deputy of Lessee(s) of a Safe Deposit Locker’ by account holder |
| Enduring Power of Attorney2 |
Subject to the terms of the ‘Enduring Power of Attorney’ |