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What do we mean by Access to Funds?
An Access to Funds (ATF) allows a person, local authority, or organisation to apply for the authority to access and manage the finances of an adult that is unable to manage these themselves. The person or group appointed is called a 'withdrawer'.
An ATF is usually appropriate when the adult’s financial affairs are straightforward and can be easily handled by someone else. An ATF can also be used to request a lump sum to pay off any existing debts or to purchase anything the incapable adult needs.
For more information on ATF or if you need to register an ATF visit the Scottish Office of the Public Guardian page using the button below.
Designated Account
This type of ATF order means we can open a designated account which the withdrawer will have access to in order to pay for everyday things like food, clothes, electricity bills, or care home fees.
For local authorities appointed on an Access to Funds Order we offer a Client Deposit Manager account that can be used as a designated account.
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Instructions for the fundholder
This type of ATF order gives instructions on what to do with an existing account held by the incapable adult. This usually involves setting up a standing order to feed money into a designated account so that the withdrawer can pay for everyday purchases and bills on behalf of the incapable adult.
The withdrawer will not be able to access to any existing accounts held by the incapable adult. These remain protected and feed into the designated account.
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Registering an Access to Funds Order
Use the sections below to find out how you can register an Access to Funds Order with us whether you would like to open a designated account or provide instructions for the fundholder.
Find a branch near you
Use the button below to open our branch locator tool in a new tab. This can help you find a branch close to you for registering an Access to Funds Order or any other everyday banking activities.
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.