Helping someone manage their accounts

Managing the finances of a vulnerable person is a big responsibility. It is important that both the account owner and the person assisting them with their accounts are happy with the level of account access and decision making capabilities granted.

This page introduces the third party access options available to Al Rayan Bank customers.

Limited Third-Party Authority or Access

A Third- Party Can  A Third-Party Cannot
View accounts and statements Open or close accounts
Access the customer’s personal and account information Make transactions (i.e. no transfers, no withdrawals, and no deposits)
Make requests for correspondence to be issued to the customer’s registered address Change any account information such as nominated bank account details, Direct Debits, Standing Orders etc
Log a complaint on the customers behalf, with any complaint related letters being addressed to both the customer and the third-party individual, where appropriate. Change the customers personal details i.e. contact information, address etc.
  Access the customer’s security information

 

If you're an Al Rayan Bank customer, you can ask to give another person access to your bank account and the right to provide feedback on your behalf.

Limited Third-Party Authority or Access can be temporary, lasting for just one call or conversation, or you can request for permanent access to be granted.

You can contact us to withdraw Third-Party access at any time.

A Third-Party access request is only valid whilst you have mental capacity and are able to make decisions for yourself. If at any point you lose the capacity to operate your accounts and make financial decisions, Third-Party access will no longer be valid.

Having a Third-Party help you with one conversation or call

If you're an Al Rayan Bank customer, you can tell us that you'd like to give another person the right to access your account information and discuss your accounts on your behalf during a call or face to face conversation.

You will need to go through security to confirm your identity, but after this you can ask for a Third-Party to speak for you.

This is Temporary Limited Third-Party Authority or Access; it means that the Third-Party access or authority ends after the call or conversation concludes. If a follow up discussion is needed and you want the Third-Party to help you with that, you will have to tell us again.

Permanent Limited Third-Party Authority or Access

Permanent Limited Third-Party Authority or Access can be useful and effective when you are capable of making decisions about your finances, but would like someone else to assist you with your banking matters and communications with the Bank.

How to request Permanent Limited Third-Party Authority or Access

If you would like to have someone else assist you with managing your account, you should contact us. A Third-Party authorisation form will then be sent to your registered address.

Secure Message

The fastest way to let us know that you would like to have someone else assist you with managing your account  send a Secure Message through Digital Banking. If are not registered for Digital Banking, you can find out more at alrayanbank.co.uk/mobile.

Telephone

Call us on 0800 4086 407.

  • Monday to Friday from 9.00am to 7.00pm
  • Saturday from 9.00am to 1.00pm

If you are calling from outside the UK, please call 0044 129 889 0137.

Please note the time difference when you are calling from abroad.

Write to us

You can send documents to:

Account Services team
Al Rayan Bank PLC
PO Box 12461
Birmingham
B16 6AQ

Please include the name and contact details of both yourself and the account holder.

Once we have your request, we will send you a Third-Party authorisation form to complete. Please note that this form can only be sent to your registered address.

Documents you will need   

  • Proof of the Third-Party’s identity
  •  Third-Party’s proof of address dated within the previous 3 months
  • We may also ask for medical evidence to support your need for Third-Party assistance

All documents must be originals or certified copies

You can hand your completed Third-Party authorisation form in at any Al Rayan branch, or post it to:

Account Services team
Al Rayan Bank PLC
PO Box 12461
Birmingham
B16 6AQ

Appointeeship and Deputyships

A Deputy Can A Deputy Cannot
Access account information and statements Make gifts from the account (without a court order)
Operate the account using telephone banking, digital banking, and in branch Hold money or property in their own name on behalf of the person they are assisting
Open and close accounts on behalf of the person they are assisting  

 

If you are caring for someone who has lost capacity, you can apply for a Court of Protection Order to appoint you as a deputy.

A deputy takes responsibility for the management of all of a person's financial affairs if they become incapable of doing so themselves. This includes savings, pensions, all sources of income, and assets such as property. 

When to consider Deputyship

You might consider this if the person you care for has lost mental capacity* (if an Enduring Power of Attorney or Lasting Power of Attorney has not already been granted), or if you believe you need the authority to make financial decisions for an individual.

How to notify us that you are deputy for an Al Rayan Bank customer

Once you have a court document that gives you Third-Party access to someone’s Al Rayan Bank account(s), you should contact us to book an appointment to complete a deputy application with an advisor.

Call us on 0800 4086 407.

Monday to Friday from 9.00am to 7.00pm

Saturday from 9.00am to 1.00pm

If you are calling from outside the UK, please call 0044 129 889 0137.

Please note the time difference when you are calling from abroad.

Apointee of the Department for Work and Pensions

An Appointee Can An Appointee Cannot
Access the account using telephone banking, digital banking Access property or other capital belonging to the account holder
Manage DWP benefits money  
Report a change in circumstances  

If you care for someone who needs help claiming and managing their benefits because they have a severe disability or lack mental capacity, you could become an appointee of the Department of Work and Pensions.

Unlike a Power of Attorney, Guardian or Deputy, an appointee isn’t a legal authority over all of someone’s money; it just lets you manage their benefits. As appointee, you are responsible for dealing with benefits, paying bills and managing a limited amount of savings in case of unforeseen circumstances.

When to consider becoming an appointee of DWP

If the account holder has lost mental capacity (and an Enduring Power of Attorney or Lasting Power of Attorney has not already been granted), or if you feel you could be responsible for making an individual's claims and managing spending.

How to let us know you are appointee for DWP

Once you have paperwork from the DWP confirming that you have been approved as an appointee for the DWP should contact us.

Call us on 0800 4086 407.

  • Monday to Friday from 9.00am to 7.00pm
  • Saturday from 9.00am to 1.00pm

If you are calling from outside the UK, please call 0044 129 889 0137

Power of Attorney

A Power of Attorney (PoA) is a legal document that gives a person the authority to make decisions about property and finances on someone else’s behalf.

In this situation, the account holder is referred to as the “donor” of powers and the person they have chosen to help with the account is referred to as an “attorney”.

What the attorney can and can’t do can vary, and will depend on the account holder’s ability to make decisions about their finances.

If you have been granted Power of Attorney, you can telephone us to book an appointment to register your power of attorney, or Court of Protection order.

Call us on 0800 4086 407.

  • Monday to Friday from 9.00am to 7.00pm
  • Saturday from 9.00am to 1.00pm

If you are calling from outside the UK, please call 0044 129 889 0137

Documents you will need for registration:

  • all the pages of the power of attorney or Court of Protection order
  • the personal and contact details of the attorney wishing to be registered
  • the donor’s details
  • proof of attorney’s identification
  • two proofs of  the attorney’s address 

Documents can either be the original, or copies which have been certified in line with our document certification standards.

We will review all the documents and information you give us and register the power of attorney. If the power of attorney allows, we will also register you for online and telephone banking.

When registration is complete, we will send a confirmation letter to the donor (where the donor is mentally capable) or the ‘main’ attorney (where the donor has lost mental capacity).

How we will use your information 

We’ll use your personal information and that of the donor to register the power of attorney (or Court of Protection order). If we need to use this data for any other related purposes, this will be in line with legal and/or regulatory requirements. To find out more about how we use your information and your rights please read our Privacy Notice. If you provide information for another person (such as an attorney), you should direct them to this notice.

Man using calculator

Power of attorney

A Power of Attorney (PoA) is a legal document that gives a person the authority to make decisions about property and finances on someone else’s behalf.

Find out more

Giving someone else access to your accounts.

 

  • Woman on sofa reading her phone

    Limited Third-Party Authority or Access

    Giving another person the right to access your account information and discuss your accounts on your behalf.

     Find out more

  • Woman putting two pounds in her purse

    Appointeeship and Deputyships

    If you are caring for someone who has lost capacity, and a court appointed you as a deputy.

    Find out more

  • Adult's and child's hands holding a red heart

    Power of attorney

    When you have been granted the legal right to make decisions about property and finances on someone else’s behalf.

    Find out more