Managing savings for another adult
You can register to manage someone’s NS&I savings on their behalf. Types of Authority are different, depending on how long you need to manage someone’s money, and the circumstances around why you are managing their money.
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An Ordinary Power of Attorney is a legal document appointing one or more people (an ‘Attorney’) to manage the financial affairs of another person (the ‘Donor’). It allows the Attorney to manage all the Donor’s affairs or it can be tailored to specific actions or restricted to a limited period of time. The Attorney and the Donor can manage the Donor’s affairs. In all cases the Ordinary Power of Attorney becomes invalid once the Donor has lost capacity. An Ordinary Power of Attorney can also be known as a General Power of Attorney.
Registering your authority with NS&I
You can send us the original document, or a certified copy, by post. We recommend that you use a secure service.
Sending us a certified copy of your documents? For more information on certifying your Authority, please see our Power of Attorney guide.
Our guide to acting on behalf of someone else
Applying for accounts
You can apply for one of our accounts on behalf of someone else. But you'll need to register for an authority first. If you've already registered an authority with us and you've registered for our online and phone service, you can apply directly online or over the phone (except for our Investment Account which is postal only and our Junior ISA which is online only).
If you want to apply for an account at the same time as registering an authority with us, you can do it with a postal application form. We have specific forms for each of our accounts, except Premium Bonds and our Investment Account which require our general application form.
When applying for a Direct ISA the Donor or Patient must sign the application form with the Attorney, unless there is a physical or mental incapacity therefore the Deputy must sign. In line with anti-money laundering legislation we may verify the identity of everyone named in the application.
Download and print and application form or call us to get one sent to you.
You will need to enclose the original Power of Attorney or confirmation of your appointment as Deputy with the application form(s) and cheque(s).
Where possible the cheque(s) should be drawn on a bank account held in the name of the Donor or Patient. If this is not possible, we can accept a cheque drawn on a bank account in the name of the Attorney or Deputy, together with an explanation of why an account in the Donor’s or Patient’s name cannot be used.
Managing an account
You can manage any of our accounts on behalf of someone else online, by phone or by post. If you have restricted authority, or must act jointly for all transactions with another appointed individual or the account is our Investment Account, you can only manage the account by post. If you want to manage the accounts online or by phone, you'll need to register for our online and phone service.
For more info, please see our Power of Attorney guide.
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A Lasting Power of Attorney is a legal document appointing one or more people (an ‘Attorney’) to manage the finances of another person (the ‘Donor’). The Attorney and Donor can manage affairs until it is proved that the Donor lacks capacity.
Enduring Powers of Attorney
Lasting Powers of Attorney replaced Enduring Powers of Attorney in England and Wales from 1 October 2007. Enduring Powers of Attorney can still be used which were signed, dated and witnessed by all parties on or before 30 September 2007, either registered or unregistered. Enduring Powers of Attorney don’t need to be registered with the Office of the Public Guardian before use, but they must be registered with the Office of the Public Guardian once the Donor lacks capacity.
Registering your authority with NS&I
The Lasting Power of Attorney needs to be registered with the Office of the Public Guardian before it can be used with us. Please note that is can take up to 20 weeks to set up.
For customers whose LPAs are registered by the OPG on or after 1 September 2019, both the donor and attorney will receive a reference number and activation key in their registration letter in the post. You’ll then need to create a Lasting Power of Attorney account online with using the reference number and activation key, along with your date of birth. This will allow you to share your Lasting Power of Attorney with us.
Creating an account with the Office of the Public Guardian.
Once you’ve created an account you can generate the secure access code. You’ll then need to write to us so we can update the account. Please note this code lasts for 30 days so the earlier you can send this to us the better and include the information below:
- your unique code
- the Attorney's name and address
- the Donor's name and address
This means you shouldn’t need to send us original or certified copies but if it is required you’ll receive an instruction.
Alternatively, you can also send us the original document, or a certified copy, by post. We recommend that you use a secure service.
Sending us a certified copy of your documents? For more information on certifying your Authority, please see our Power of Attorney guide.
Our guide to acting on behalf of someone else
Applying for accounts
You can apply for one of our accounts on behalf of someone else. But you'll need to register for an authority first. If you've already registered an authority with us and you've registered for our online and phone service, you can apply directly online or over the phone (except for our Investment Account which is postal only and our Junior ISA which is online only).
If you want to apply for an account at the same time as registering an authority with us, you can do it with a postal application form. We have specific forms for each of our accounts, except Premium Bonds and our Investment Account which require our general application form.
When applying for a Direct ISA the Donor must sign the application form with the Attorney unless there is a physical or mental incapacity. In line with anti-money laundering legislation we may verify the identity of everyone named in the application.
Download and print and application form or call us to get one sent to you.
You will need to enclose the certified copies or original Power of Attorney or confirmation of your Lasting Power of Attorney with the application form(s) and cheque(s).
Sending us a certified copy of your documents? For more information on certifying your Authority, please see our Power of Attorney guide.
Our guide to acting on behalf of someone else
Where possible the cheque(s) should be drawn on a bank account held in the name of the Donor. If this is not possible, we can accept a cheque drawn on a bank account in the name of the Attorney or Deputy, together with an explanation of why an account in the Donor’s or Patient’s name cannot be used.
Managing an account
You can manage any of our accounts on behalf of someone else online, by phone or by post. If you have restricted authority, or must act jointly for all transactions with another appointed individual or the account is our Investment Account, you can only manage the account by post. If you want to manage the accounts online or by phone, you'll need to register for our online and phone service.
For more info, please see our Power of Attorney guide.
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In Northern Ireland Enduring Powers of Attorney are still used. The Attorney and Donor can manage affairs until it is proved that the Donor lacks capacity. The Attorney then assumes full authority and must register the Enduring Power of Attorney with the Office of Care and Protection.
Our guide to acting on behalf of someone else
Registering your authority with NS&I
The Lasting Power of Attorney needs to be registered with the Office of the Public Guardian before it can be used.
If you register your Lasting Power of Attorney online, you’ll receive a code to then post to NS&I, which will allow us to update your account.
You can also send us the original document, or a certified copy, by post. We recommend that you use a secure service.
Sending us a certified copy of your documents? For more information on certifying your Authority, please see our Power of Attorney guide.
Our guide to acting on behalf of someone else
Applying for accounts
You can apply for one of our accounts on behalf of someone else. But you'll need to register for an authority first. If you've already registered an authority with us and you've registered for our online and phone service, you can apply directly online or over the phone (except for our Investment Account which is postal only and our Junior ISA which is online only).
If you want to apply for an account at the same time as registering an authority with us, you can do it with a postal application form. We have specific forms for each of our accounts, except Premium Bonds and our Investment Account which require our general application form.
When applying for a Direct ISA the Donor or Patient must sign the application form with the Attorney or Deputy unless there is a physical or mental incapacity. In line with anti-money laundering legislation we may verify the identity of everyone named in the application.
Download and print and application form or call us to get one sent to you.
You will need to enclose the original Power of Attorney or confirmation of your appointment as Deputy with the application form(s) and cheque(s).
Where possible the cheque(s) should be drawn on a bank account held in the name of the Donor or Patient. If this is not possible, we can accept a cheque drawn on a bank account in the name of the Attorney or Deputy, together with an explanation of why an account in the Donor’s or Patient’s name cannot be used.
Managing an account
You can manage any of our accounts on behalf of someone else online, by phone or by post. If you have restricted authority, or must act jointly for all transactions with another appointed individual or the account is our Investment Account, you can only manage the account by post. If you want to manage the accounts online or by phone, you'll need to register for our online and phone service.
For more info, please see our Power of Attorney guide.
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A Power of Attorney executed on or after 2 April 2001 stating that it is a Continuing Power, must be registered with the Office of the Public Guardian, Scotland, before use. On registration, the Office of the Public Guardian, Scotland, will issue a certificate confirming that the Power has been accepted. The Attorney and Donor can manage affairs until it is proved that the Donor lacks capacity. The Attorney then assumes full authority. Powers of Attorney executed before 2 April 2001 don’t need to be registered with the Office of the Public Guardian, Scotland. The Power will continue even if the person loses capacity, unless the Power specifically states that it will lapse if capacity is lost. In Scotland the Donor is called a Granter.
Registering your authority with NS&I
The Lasting Power of Attorney needs to be registered with the Office of the Public Guardian before it can be used.
If you register your Lasting Power of Attorney online, you’ll receive a code to then post to NS&I, which will allow us to update your account.
You can also send us the original document, or a certified copy, by post. We recommend that you use a secure service.
Sending us a certified copy of your documents? For more information on certifying your Authority, please see our Power of Attorney guide.
Our guide to acting on behalf of someone else
Applying for accounts
You can apply for one of our accounts on behalf of someone else. But you'll need to register for an authority first. If you've already registered an authority with us and you've registered for our online and phone service, you can apply directly online or over the phone (except for our Investment Account which is postal only and our Junior ISA which is online only).
If you want to apply for an account at the same time as registering an authority with us, you can do it with a postal application form. We have specific forms for each of our accounts, except Premium Bonds and our Investment Account which require our general application form.
When applying for a Direct ISA the Donor or Patient must sign the application form with the Attorney or Deputy unless there is a physical or mental incapacity. In line with anti-money laundering legislation we may verify the identity of everyone named in the application.
Download and print and application form or call us to get one sent to you.
You will need to enclose the original Power of Attorney or confirmation of your appointment as Deputy with the application form(s) and cheque(s).
Where possible the cheque(s) should be drawn on a bank account held in the name of the Donor or Patient. If this is not possible, we can accept a cheque drawn on a bank account in the name of the Attorney or Deputy, together with an explanation of why an account in the Donor’s or Patient’s name cannot be used.
Managing an account
You can manage any of our accounts on behalf of someone else online, by phone or by post. If you have restricted authority, or must act jointly for all transactions with another appointed individual or the account is our Investment Account, you can only manage the account by post. If you want to manage the accounts online or by phone, you'll need to register for our online and phone service.
For more info, please see our Power of Attorney guide.
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The Court of Protection appoints an individual, individuals or a corporate body (the ‘Deputy’ - previously known as ‘Receiver’) to act on behalf of a person (the ‘Patient’) who is unable to make decisions about their personal health, finance or welfare. There are regional variations to the term Deputy. In Northern Ireland the Deputy is called the ‘Controller’ and in Scotland a ‘Guardian’ is granted a Guardianship Order to act on behalf of the Patient.
Registering your authority with NS&I
You can send us the original document, or a certified copy, by post. We recommend that you use a secure service. The Court of Protection Order should be sealed or bear the blue office copy stamp.
Sending us a certified copy of your documents? For more information on certifying your Authority, please see our Power of Attorney guide.
Our guide to acting on behalf of someone else
Applying for accounts
You can apply for one of our accounts on behalf of someone else. But you'll need to register for an authority first. If you've already registered an authority with us and you've registered for our online and phone service, you can apply directly online or over the phone (except for our Investment Account which is postal only and our Junior ISA which is online only).
If you want to apply for an account at the same time as registering an authority with us, you can do it with a postal application form. We have specific forms for each of our accounts, except Premium Bonds and our Investment Account which require our general application form.
When applying for a Direct ISA the Donor or Patient must sign the application form with the Attorney or Deputy unless there is a physical or mental incapacity. In line with anti-money laundering legislation we may verify the identity of everyone named in the application.
Download and print and application form or call us to get one sent to you.
You will need to enclose the original Power of Attorney or confirmation of your appointment as Deputy with the application form(s) and cheque(s).
Where possible the cheque(s) should be drawn on a bank account held in the name of the Donor or Patient. If this is not possible, we can accept a cheque drawn on a bank account in the name of the Attorney or Deputy, together with an explanation of why an account in the Donor’s or Patient’s name cannot be used.
Managing an account
You can manage any of our accounts on behalf of someone else online, by phone or by post. If you have restricted authority, or must act jointly for all transactions with another appointed individual or the account is our Investment Account, you can only manage the account by post. If you want to manage the accounts online or by phone, you'll need to register for our online and phone service.
For more info, please see our Power of Attorney guide.
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Want to invest in trust?
See our trustees leaflet:
For our trustee application forms, please visit: