How to Register Power of Attorney with a Bank

11th February 2026

How to Register Power of Attorney with a Bank is a question many attorneys and donors ask when they first need to manage money on someone else’s behalf. Each bank has its own process, but the core steps are similar across the UK. Understanding what to expect helps you avoid delays and ensures you can start supporting the donor as soon as possible.

Do you need to register a power of attorney with every bank?

Yes. Even if an LPA is registered with the Office of the Public Guardian, you still need to present it separately to each bank or building society where the donor holds accounts. Financial institutions must verify the document and confirm your identity before granting access. Some banks allow you to begin the process online, while others require a branch appointment.

What documents will the bank ask for?

Most banks will request the original registered LPA or a certified copy. You will usually need proof of identity and address for the attorney, and sometimes for the donor as well. It is common to be asked for photo ID such as a passport or driving licence, plus a recent utility bill or bank statement. If multiple attorneys are named, banks may want to see how decisions should be made, for example jointly or jointly and severally.

How long does it take to set up attorney access?

Timeframes vary between institutions. Some banks complete checks within a few days, while others may take several weeks, particularly if additional safeguarding reviews are needed. Delays often occur when paperwork is incomplete or identification does not match the details in the LPA. Booking an appointment in advance and bringing all requested documents can speed things up.

Can you manage accounts straight away once registered?

After the bank completes its checks, attorneys are usually given their own login details or cards linked to the donor’s account. Access levels may differ depending on the bank’s policies and the powers granted in the LPA. Health and Welfare LPAs cannot be used for banking tasks, so only a Property and Financial Affairs LPA applies here.

What problems commonly arise during registration?

Names that differ slightly from ID documents can cause verification issues. Some banks require certified copies prepared by a solicitor or approved professional rather than standard photocopies. Another common challenge is misunderstanding how attorneys must act together. Checking the wording of the LPA before attending an appointment helps avoid confusion.

How can you make the process smoother?

Contact the bank ahead of time to confirm its specific requirements. Bring the registered LPA, identification and any supporting paperwork listed in advance. Keep copies of correspondence and ask for written confirmation once access is granted. If you manage several accounts, consider starting with the donor’s main bank first so essential bills can be handled quickly.

After you’ve applied for your LPA using a service like Power of Attorney Online, registering a power of attorney with a bank is an important step in carrying out your responsibilities as an attorney. With the right preparation and clear documentation, most people find the process straightforward and manageable.