Skip to main content

Giving control of your account to someone else

What you can do if you need someone to help you manage your account.

Add a third party to your credit card account

You can add a third party to your credit card to act on your behalf. This is usually done if you need short-term support with your finances. The person you nominate will be able to carry out basic queries on your account.

Add a third party

Register a legal authority

If you need someone to help manage your Tesco Bank accounts, there are several types of legal authority that can give them permission to act on your behalf. These include Power of Attorney (POA), Court of Protection Orders (COP), and other legal authorities, depending on your circumstances.

Register a legal authority

Find and compare the right level of access for you

It’s important to find the best option for your situation. Below we’ve compared some common types of access but there are other options available too. For further guidance, visit Citizens Advice.

Find and compare the right level of access for you

Access

General Power of Attorney

Lasting / Enduring Power of Attorney

Court of Protection

Third Party Access

Products covered

All

All

All

Credit cards

Account holder's mental capacity

Must have capacity

Could have capacity or no capacity

Must not have capacity

Must have capacity

I need short-term support
Yes
No
No
Yes

I need help with my spending
Yes
Yes
No
Yes

I want someone to check my account balance and transactions
Yes
Yes
Yes
Yes

I’m getting ready for when someone I trust might need to manage my money
No
Yes
No
No

I need to manage finances for someone with limited capacity
No
Yes
Yes
No

To help keep things clear, we use the following terms:

Donor

This means the person whose finances are being managed under a legal authority.

  • For a Power of Attorney, this is the person who has set up the POA.
  • For a Court of Protection Order, this is the person the court has decided needs support managing their finances.

Delegate

This means the person who has been legally appointed to act on the donor’s behalf.

  • Under a Power of Attorney, this is the attorney.
  • Under a Court of Protection Order, this is the deputy.

A Delegate is responsible for managing the Donor’s finances in their best interest and must act within the powers set out in the legal authority document.

If you need to register a legal authority on a Barclays account

Tesco Bank is now part of the Barclays Group, but we won’t automatically share this information with Barclays. If you would like to register a legal authority on a Barclays account, you need to contact them directly. You can do this or find more information by visiting Barclays and searching ‘Third-party access to bank accounts’.

If the donor lacks mental capacity, the delegate’s name and address will be shared with Barclays. Where needed, Barclays will take steps to protect the customer’s Barclays accounts and will contact the delegate directly to explain the actions they’ve taken and any next steps.