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How to give someone else access to your account

Direct Payment is the normal way State Pensions, benefits, allowance or tax credit are paid into your account at a bank, building society or other account provider.

Most account providers will allow you to permanently or temporarily designate a helper to access your account on your behalf. You should contact your bank, building society or other account provider for instructions on how to do this.

A Direct Payment is not the same as direct payments from your local council, which you can receive if you are entitled to financial help for care services but want to make your own arrangements for care.

• The difference between a Direct Payment and direct payments (money, tax and benefits section)
• How benefits and pensions are paid
• Internet use and computer training for over 50s
• Opening and running a bank account

If you cannot receive funds by Direct Payment

If you are unable to manage a bank account – and therefore are unable to be paid by Direct Payment – you may be able to receive your benefit or pension payment by cheque.

How does a helper cash a cheque on your behalf?
Your nominated helper will cash the cheque payment on your behalf.
You will need to sign the back of the cheque to show you have asked someone else to cash it for you. The helper will also sign a declaration, and provide evidence of both your identities at your bank or building society.

• Download 'Direct Payment - third party access' Opens new window

Making arrangements for the future – Lasting Power of Attorney

You may want to set up your own Lasting Power of Attorney (LPA), which allows you to appoint a friend, relative or professional now that you trust to make decisions on your behalf about things like your property, money and welfare at a time in the future when you are no longer able to.

This option is suitable if you want to formalise the arrangement where your relative or trusted friend accesses your account as your agent.

You will still need to discuss the payment arrangements with your bank or building society.

• Managing your affairs and lasting power of attorney

More useful links

• Contact The Pension Service
• Recognise and report elder abuse
• Guide to benefits when caring for someone