Learn more about the support available, information on Powers of Attorney and Third Party access. It's important to be clear about your role and if you're caring for someone, it's a good idea to let their doctor know.
Caring for a vulnerable relative
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If you're caring for a vulnerable relative, you're most likely dealing with their financial affairs too. A Power of Attorney is a document that allows someone to appoint a person or organisation to manage their affairs if they become unable to do so and can help avoid confusion later on. An attorney should be someone highly trustworthy; for most people that's a family member or a close friend.
A Power of Attorney needs to be arranged while someone is still capable of making their own decisions in order to grant it.
You can appoint and register a Power of Attorney at Gov.co.uk
You'll need to register a Power of Attorney with us, find out which ones we accept below.
To register a Power of Attorney with Ulster Bank we require a Power of Attorney document that deals with the financial and property affairs of the customer. This can cover selling their home, paying the mortgage and bills and making investments.
There are several different types of Power of Attorney and it is important you use the correct one for your circumstances. When deciding which type will work for you, read the information on the different types of Power of Attorney, via the Office of the Public Guardian website.
Ulster Bank only accepts Power of Attorney documents governed by Northern Irish law.
To register a Power of Attorney with us, you will need to complete a form to add the Power of Attorney to the account. You can do this at any branch.
Please bring with you the original copy of the full Power of Attorney document or a copy certified by a solicitor. Please be aware that some Power of Attorney documents contain certificates which we will also need to view. Please make sure that the solicitor hands across all parts of the document.
We will need to see 2 forms of identification. Please refer to our list of acceptable identification.
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|Customer has capacity||Customer lacks capacity|
||Both the customer and the Attorney will have the right to sign on the account||Only the Attorney will have the right to sign on the account|
||The Attorney can open and close accounts on behalf of the customer||The Attorney can open and close accounts on behalf of the customer|
||The Attorney can add, cancel or amend both Direct Debits and Standing Orders||The Attorney can add, cancel or amend both Direct Debits and Standing Orders|
||The Attorney can order additional statements for the customer have duplicate statements sent to their own address||The Attorney will have all statements sent to their address|
||The Attorney can have a cheque book and/or card in their name (as long as signing rules for the Attorney are to sign jointly or severally)||The Attorney can have a cheque book and/or card in their name (as long as signing rules for the Attorney are jointly or severally)|
||The Attorney can access the accounts via their own internet and telephony banking (as long as the Power of Attorney signing rules are to sign jointly or severally)||The Attorney can access the accounts via their own internet and telephony banking (as long as the Power of Attorney signing rules are to sign jointly or severally)|
To register a Power of Attorney with us, make an appointment with any Ulster Bank branch and bring the following documents with you:
Award Winning OnlineThe original copy of the full Power of Attorney document or a copy certified by a solicitor. Please be aware some Power of Attorney documents contain certificates which we will also need to view. Please make sure the solicitor hands across all parts of the document.
Award Winning Online2 forms of identification. For acceptable identification please follow the link below.
Sometimes you might need help managing your bank accounts - you can do this by putting in place a third-party mandate to allow another person to access your accounts.
You can get the form from any branch, it needs to be signed by you as the customer and the third party. When this mandate is in place the third party can:
- Close accounts for the customer
- Have a debit card, cheque book and paying in book on the account
- Set up telephone and online banking
- Arrange and cancel payments on the account
If there's no Power of Attorney in place, you can apply to the Court of Protection to be made a 'deputy'. This will allow you to manage their affairs under the supervision of the court who will make sure you act in that person's best interests.
The Court of Protection makes decisions on financial or welfare matters for people who don't have the mental capacity to do so. They can:
- decide if someone has the capacity to make decisions for themselves
- appoint deputies where the person lacks mental capacity
- give you permission to make one-off decisions for someone who lacks mental capacity
Make the most of extra support available to help you care more effectively. The local authority of the person you care for may be able to help with this, you can find their details on the Gov.uk website. Other organisations will also be able to help.
A guide to social care
Information on Government services and allowances for carers
Expert advice, information and support
Advice on paying for the cost of care and managing money
Money Advice Service
Frequently asked questions
Icon expand How do I register a protected person account with you?
To register this with us, if the protected person holds a bank account with us, you will need to come into any branch to restyle the account to reflect your deputy status. This means you can take control of the existing accounts and operate them on behalf of the protected person.
If the protected person is not an account holder with us, we are able to open a new deputy style bank account for you to assist you with managing their affairs. You will need to take the original sealed and embossed court order appointing you as Property & Affairs Deputy and 2 forms of acceptable identification.
The branch will then send your paperwork to the designated court of protection for your application to be processed. We will let you know directly if they require further information regarding your case and inform you once the process is complete.
Icon expand What can a Power of Attorney do on an account?
A Power of Attorney is a legal document which an individual can have put in place that allows another individual/s to look after their financial and property affairs and/or their personal welfare.
The duties the Attorney can perform for the other individual depends on the individuals' own capacity to run their financial affairs.
Find out more about what a Power of Attorney can do in the circumstances where the individual either has capacity or lacks capacity.
Icon expand How do I contact the Ulster Bank Power of Attorney team?
Call 0345 303 3031.
Lines are open Monday to Friday 9am-5pm.