An Attorney can help make decisions about someone's finances or make decisions on their behalf. 

If the Power appoints a sole Attorney or multiple Attorneys who can each act 'jointly and severally' (ie together at all times or individually at all times), the table below provides guidance on the services that we can provide.

If the Power appoints more than one Attorney to act together (ie 'jointly'), all Attorneys have to act together at all times. 

Generally, an Attorney may have the powers indicated below. However, if the Power of Attorney document contains restrictions1, we need to comply with the restrictions which may mean that we cannot provide some of these services.

Authorities of an Attorney

See below
Authorities of an Attorney
Banking Services Letter of Delegation General Power of Attorney signed before solicitors1 Enduring Power of Attorney2
Manage account holder’s account(s) when the account holder has lost mental capacity      
Obtain information about account holder's account(s) (ie account enquiry)      
Open/ close account(s) on behalf of the account holder      
Make payments (ie remittance)      
Withdraw/ Deposit cash   
 
 
Deposit/ Issue cheques       
Apply internet/ mobile/ phone banking service       
Operate account via internet/ mobile / phone banking       
Apply ATM card      
Operate account using ATM card       
Order cheque book      
Order statement      
Order a replacement debit card/ PIN for the account holder      
Set up/ amend/ cancel standing instruction and AutoPay      
Change account holder’s correspondence address      
Apply for new lending (Overdraft, Loan, mortgage and Credit Card)      
Retrieve items from Safe Deposit Box

 

Subject to the signing of  ‘Appointment of Deputy of Lessee(s) of a Safe Deposit Locker’ by account holder

 

  Subject to the signing of  ‘Appointment of Deputy of Lessee(s) of a Safe Deposit Locker’ by account holder

 

Subject to the terms of the ‘Enduring Power of Attorney’

Authorities of an Attorney

See below
Authorities of an Attorney
Banking Services Manage account holder’s account(s) when the account holder has lost mental capacity
Letter of Delegation  
General Power of Attorney signed before solicitors1  
Enduring Power of Attorney2  
Banking Services Obtain information about account holder's account(s) (ie account enquiry)
Letter of Delegation  
General Power of Attorney signed before solicitors1  
Enduring Power of Attorney2  
Banking Services Open/ close account(s) on behalf of the account holder
Letter of Delegation  
General Power of Attorney signed before solicitors1  
Enduring Power of Attorney2  
Banking Services Make payments (ie remittance)
Letter of Delegation  
General Power of Attorney signed before solicitors1  
Enduring Power of Attorney2  
Banking Services Withdraw/ Deposit cash 
Letter of Delegation  
General Power of Attorney signed before solicitors1  
Enduring Power of Attorney2  
Banking Services Deposit/ Issue cheques 
Letter of Delegation  
General Power of Attorney signed before solicitors1  
Enduring Power of Attorney2  
Banking Services Apply internet/ mobile/ phone banking service 
Letter of Delegation  
General Power of Attorney signed before solicitors1  
Enduring Power of Attorney2  
Banking Services Operate account via internet/ mobile / phone banking 
Letter of Delegation  
General Power of Attorney signed before solicitors1  
Enduring Power of Attorney2  
Banking Services Apply ATM card
Letter of Delegation  
General Power of Attorney signed before solicitors1  
Enduring Power of Attorney2  
Banking Services Operate account using ATM card 
Letter of Delegation  
General Power of Attorney signed before solicitors1  
Enduring Power of Attorney2  
Banking Services Order cheque book
Letter of Delegation  
General Power of Attorney signed before solicitors1  
Enduring Power of Attorney2  
Banking Services Order statement
Letter of Delegation  
General Power of Attorney signed before solicitors1  
Enduring Power of Attorney2  
Banking Services Order a replacement debit card/ PIN for the account holder
Letter of Delegation  
General Power of Attorney signed before solicitors1  
Enduring Power of Attorney2  
Banking Services Set up/ amend/ cancel standing instruction and AutoPay
Letter of Delegation  
General Power of Attorney signed before solicitors1  
Enduring Power of Attorney2  
Banking Services Change account holder’s correspondence address
Letter of Delegation  
General Power of Attorney signed before solicitors1  
Enduring Power of Attorney2  
Banking Services Apply for new lending (Overdraft, Loan, mortgage and Credit Card)
Letter of Delegation  
General Power of Attorney signed before solicitors1  
Enduring Power of Attorney2  
Banking Services Retrieve items from Safe Deposit Box
Letter of Delegation

 

Subject to the signing of  ‘Appointment of Deputy of Lessee(s) of a Safe Deposit Locker’ by account holder

 

General Power of Attorney signed before solicitors1   Subject to the signing of  ‘Appointment of Deputy of Lessee(s) of a Safe Deposit Locker’ by account holder
Enduring Power of Attorney2

 

Subject to the terms of the ‘Enduring Power of Attorney’

1 We may accept Specific Power of Attorney (or Special Power of Attorney) signed before a qualified solicitor of Hong Kong provided that the power given to the Attorney is clearly stated, reasonable and acceptable to us.  We may verify the power with you if we consider necessary before accepting instructions from your Attorney.

2 We only accept Enduring Power of Attorney that has been registered with the High Court of Hong Kong and the Customer (Donor) is losing/has lost mental capacity. The services provided to the Attorney is subject to the powers and restrictions specified in the Enduring Power of Attorney.

3 The empty boxes in the table above denote powers that are not available to the Attorney.