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Managing Bank Accounts

It is possible to manage a person's bank account using the Access to Funds Scheme.  This can be used if someone is not able to manage their own account and applications can be made by individuals and organisations. It is much more straightforward than financial guardianship so it is a good idea to consider it as a first option.

The scheme allows an individual or organisation (known as a 'withdrawer') to:

  • request information about an adult's accounts
  • open an account in the adult's name
  • carry out transactions

Families should be careful to keep finances seperate, it's more transparent and helps avoid any unintended consequences (such as questions about what forms part of someone's estate when they die or what should be included in financial assessments for benefits or care).

Application forms are availble from the website of the Office of the Public Guardian (Scotland).

Please contact us if you would like any further information.

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