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Understanding third party access

Third party access covers the different ways you trust – a ‘third party’ – to help manage your Zempler Bank account when you’re not able to. For example, a stay in hospital, loss of mental capacity or planning for a time when you may not be able to manage on your own.

Choose the right option for you

Important reminder: if you allow third party access to your account, you're still responsible for anything your chosen person does with it.

Decisions like this can have a significant impact on your life and wellbeing, or someone you’re close to, so please consider your options carefully. You can also make changes to third party access in the future.

Read the options below to find out more. If you’re not sure, you can view some of the situations where third part access may help at the bottom of the page.

  • If you have a Zempler Bank account, you can add third party access. This allows another person access to your account for short or extended timeframe.

    • Third party authority
  • If you're looking to register a Power of Attorney with Zempler Bank to help manage someone's account, or you're not sure where to start, we're here to offer you help and support.

  • A Court of Protection Order appoints a deputy for someone who has lost capacity.

  • This is a delegate to manage benefits from Department of Work and Pensions (DWP).

  • This is a court appointed guardian of a missing person’s financial affairs.

  • If you’re looking to add a card for carer to help with your shopping and cash.

Understanding third party access

Third party access may help in the situations below.

  • You need help with shopping and cash

    • Additional card
  • You need help with managing your account day-to-day for a temporary timeframe, but you don't want someone to make decisions for you

    • Third party authority
  • You're physically ill, injured or disabled

    • Additional card
    • Third party authority
    • Power of attorney
  • You're preparing for a time when you may not have mental capacity

    • Power of attorney
  • You have lost mental capacity

    • Power of attorney (if prepared before losing capacity)
    • Court of Protection order (if a lasting power of attorney/enduring power of attorney has not already been granted)
    • Appointeeship (if a lasting power of attorney/enduring power of attorney has not already been granted)
  • You're planning to be abroad and won't have access to your account

    • Third party authority
    • Power of attorney
  • The customer is missing

    • Guardianship order (missing person)

Extra help and support

FAQs

  • A person appointed by the Department for Work and Pensions to act on behalf of an individual receiving state benefits but isn’t able to manage their benefit-related affairs due to mental incapacity or severe physical disability.

  • A person or group of people appointed to manage the finances or property of another person. An attorney may fall under one of the following types of powers of attorney: ordinary, lasting, or enduring.

  • A formal document which can be used to cancel a lasting power of attorney or an unregistered enduring power of attorney, depending on the situation. You can find more information on the GOV.UK website.

  • A person or group of people appointed by the Court of Protection to manage the affairs of a person who has lost capacity to make decisions for themselves. You can find more information on GOV.UK website. Before 1 October 2007 a person appointed by the Court of Protection to act on behalf of an individual who had lost capacity was called a ‘receiver’.

  • A person who wishes to give another person the authority to act or make decisions on their behalf.

  • In some situations, there may be multiple third parties representing an individual regardless of the type of third party access they have been granted (i.e. third party mandate or power of attorney). They may be appointed to act “jointly” or “jointly and severally”. Appointing multiple representatives to act “jointly” means that they must all make decisions together, while appointing them to act “jointly or severally” means that they can make decisions together or alone. You may also hear the term “jointly and individually” used instead of “jointly and severally”.

  • When we say ‘third party’, we are referring to an individual acting on behalf of someone else under a formal instruction such as a third party authority, power of attorney, Court of Protection order or Department for Work and Pensions appointment.



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Terms and Conditions apply, including applicants being resident in the UK & aged 18+ and, if relevant, businesses being based in the UK. 

For full website terms including information on Zempler Bank, Mastercard and use of trademarks, please see our full legal disclosures at https://www.zemplerbank.com/legal/. Zempler Bank Limited (“Zempler Bank”) is registered in England and Wales at Cottons Centre, Cottons Lane, London SE1 2QG (No.04947027). Zempler Bank is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Firm Reference Number 671140. 

Zempler Bank provides credit facilities subject to approval and affordability, and where accounts continue to meet Zempler Bank credit criteria. 

v.2024.06.24