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A third-party mandate cannot be used in circumstances where a customer no longer has mental capacity.
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What is a Third Party Mandate?
A third party mandate can be put in place to allow someone you trust to access your bank accounts and take care of everyday banking activities. The account holder must have mental capacity and the people given access to the account are called 'third parties'.
Third parties must be over the age of 18 and some examples of common third parties include family members, close friends, or carers.
A third party can
- Close accounts and change the statement address of accounts they are named on.
- Have a debit card, cheque book and a pay-in book.
- Enrol for telephone or digital banking.
- Arrange and cancel any payments on the account e.g. standing orders, direct debits, chaps payments.
- Obtain any information relevant to an account they are named on.
A third party cannot
- Use any of the benefits on a packaged account.
- Open accounts on behalf of a customer.
- Upgrade/downgrade accounts including account conversions on behalf of a customer.
- Apply for additional borrowing on existing accounts e.g. overdrafts, loans.
- Reclaim funds from dormant accounts they were named on.
Registering a Third Party Mandate
Select one of the buttons below to start registering a Third Party Mandate online, or for information on how to register in a branch.
If more than one third party is being added, you'll need to register each third party individually online or you can visit a NatWest branch and bring the appropriate documents with you.
Additionally, our online process requires you to use a desktop or laptop computer. This online journey can not be completed using a mobile or tablet device.
All online applications are subject to additional checks and on some occasions a branch visit may be required.
Frequently asked questions
Organisations offering additional support
Make the most of extra support available to help you care for someone vulnerable. There are several organisations who could help with additional support.