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An attorney can
- Manage the donor’s bank accounts to help with day-to-day money management. For example: payments and transfers.
- Register for online and telephone banking (unless they are appointed to act jointly).
- Have a debit card on the account (unless they are appointed to act jointly).
- Visit a branch to manage the donor’s accounts.
- Close accounts the donor no longer needs.
- Open new accounts in the donor’s name (in some cases).
- Manage the donor’s mortgage if the POA covers property and financial affairs — including applying for a new mortgage or changing rates.
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An attorney can't
- Apply for borrowing or credit, such as loans, overdrafts, or credit cards.
- Change account ownership or add someone new to the account.
- Act alone if the POA says decisions must be made jointly.
- Have services that allow one attorney to act without the other when a joint appointment is required (such as online banking, telephone banking, or a debit card).
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Frequently asked questions
Additional support
If something in your life changes, like your health or money, you may need more support with your banking. Visit our Banking My Way page to tell us what’s happening. We’ll look at ways to make things easier for you.
If you’re supporting someone else, help is available for you too. We’ve listed organisations below that offer advice, tools and support.