Select what change you'd like to make to your account below and we'll give you useful information on what you need to know, what you'll need to hand and how to get started.
Overlay
Existing customers
Make a change to your account
Remove an account holder
What you need to know
Removing someone from your account means your account will change from a 'joint account' to a 'sole account'. You can do this by submitting a request online. The person remaining on the account will need to start the request.
If you are looking to remove a third party, you can also follow the below digital process.
To remove someone, you'll need their consent. This means we’ll ask you for their email address so we can contact them to confirm they are happy to be removed from the account.
If you have an overdraft limit we will need to complete affordability checks which may increase the time taken to progress the application and which may result in a reduction or removal of your overdraft limit based on the account being in a sole name.
What you'll need
A selfie (front and side profile).
Photo ID (e.g. passport, driving licence, EU ID card or Biometric Residence Permit).
(The person you're removing will also need these once we contact them, following your request).
Step-by-step guide
- You must submit your request via our online platform, DigiDocs.
- Follow the link below to register/sign in and follow the steps to submit your request.
- The person you're removing from the account will then receive an email from noreply@digidocs.natwest.com, to register/log in and confirm their removal.
- Once this has been completed, we'll action the request within 3-5 working days. If you have an overdraft, this may take slightly longer as we'll need to re-confirm affordability.
Frequently asked questions
You can follow this process if you hold a current account or a savings account with us. If you're looking to remove someone from a joint account that already has more than two account holders, you cannot complete this request online and will need to visit your local branch.
A joint account means more than one person has access to and equal ownership of the account. This is useful when you have joint bills to pay.
As part of the application you will be asked to complete an affordability check. This may result in a reduction or removal of your overdraft limit based on the account being in a sole name.
- If your overdraft limit needs to be removed, you will need to pay any outstanding balance back first.
- If your overdraft limit needs to be reduced, your overdraft balance must be less than the new limit.
This may also increase the time taken to process your application.
If your circumstances change you may decide to remove someone from your joint account, meaning only you will then have access to the account going forward.
Unlike a joint account you remain the sole owner of the account.
Adding an account holder
What you need to know
Adding someone to your account means your 'sole account' will become a 'joint account’ and both account holders will have equal ownership of any funds or overdrafts. It's important to consider this before adding someone, as you won't be able to remove them in future without their consent.
You add someone to your account by submitting a request online. Please note, you'll need their consent. This means we’ll ask you for their details so we can contact them to confirm they are happy to be added to the account. If you both bank with NatWest, the process may be quicker and simpler, as we already know you.
Please note that you can't add a person to your:
- Silver, Platinum, Black, Savings, Student or Adapt account
Frequently asked questions
- Add anyone aged 18+ who is a UK resident.
- You can only add one party to your account.
- Submit an online request if your account is a Select, Reward or Foundation account.
- You can't add a person to your: Silver, Platinum, Black, Savings, Student or Adapt account.
A joint account means more than one person has access to the account and you'll both be responsible for the account. This is useful when you have joint bills to pay.
You can only add one party to your account, adding any more than one party to your account isn't possible.
If you have a Select account and need to add more than one party for the purposes of an Executor account, please visit your local branch who will be able to help.
A sole account means only you have access to the account.
See our range of Savings accounts where you'll have the option to open a joint savings account. Remember, you'll both need to have a current account with us before you can proceed.
To complete this online process, you will need to use a desktop or laptop computer. This online journey can not be processed using a mobile or tablet device.
Add a third party cardholder online
What do we mean by a 'third party'?
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.
Before you apply online you need to know.
If the person you are adding to your account is already a NatWest customer: You will only need to send in one form of photo identification with a selfie of the front and side profile. This is needed for both you and the party you are adding to the account.
If the person you are adding to your account is not already a NatWest customer: You will need to send in two forms of identification. One being photo identification of yourself and the person you are adding to the account and one being proof of address. You only need to send in proof of address of the customer you are adding to the account. As well as a selfie photograph of the front and side profile from yourself and the person you are adding to the account, which needs to be sent as an email attachment.
To complete this online process we will need you to download our PDF form and email the relevant information to managemydetails@rbs.com. You’ll need to download Adobe Acrobat Reader (free download) to view the form. Images sent in must be a maximum size of 20MB. PDF, JPEG and PNG documents only.
Add a third party to my account online
To amend signatories, save the form to your computer, fill it out and use the button at the end of the form to submit it with your changes. It will take around 10 minutes to complete.
- Right-click the link and select 'save as' to download the form to your preferred location on your computer (not on a phone or tablet).
- Right-click the form in its saved location and select 'Open with Adobe Acrobat Reader'.
Remember if the person you are adding to the account is a not a NatWest customer we will require proof of address.
Read 'Help completing the forms' below before starting to help you with your submission. Once you are ready:
The types of identification we can accept through our online process are:
- A Valid and in date passport.
- Other Bank Statement.
- Full UK Driving Licence.
- Council Tax Bill.
- EU/EAA National ID Card.
- Utility Bill/ statement (Utility bills must be within the last 3-6 months).
- EU/EAA Driving Licence.
- Mortgage Statement / Solicitor Mortgage correspondence.
- Biometric Residence Permit.
- Local Council / Housing Authority Tenancy Agreement.
- Military ID Card.
- Credit Union statement.
- Notice of Tax Coding.
- National Insurance Confirmation Letter.
Help completing the forms
Tips for signing the mandate form
Tips to download the mandate form
Step-by-step guide to download and submit your form
See the below step-by-step guide to download and complete the mandate form
- Download Adobe Acrobat Reader if you don't already have it.
- Right-click the link and select 'save as' to download the form to your preferred location on your computer (not on a phone or tablet).
- Right-click the form in its saved location and select 'Open with Adobe Acrobat Reader'.
- Submit your form and our team will review it. We'll get in touch if there are any issues with the submission.
Tips if you see an error message
What do I do if I get an error message?
If you have tried to download the form, you may see the following error message.
"If this message is not eventually replaced by the proper contents of the document, your PDF viewer may not be able to display this type of document. You can upgrade to the latest version of Adobe Reader for Windows®, Mac, or Linux® by visiting http://www.adobe.com/go/reader_download. For more assistance with Adobe Reader visit http://www.adobe.com/go/acrreader."
This is because your browser is trying to display the form but it can't be viewed in a web browser.
Download Adobe Acrobat Reader if you don't already have it. Right-click the mandate form in its saved location (usually your 'Downloads' folder) and select 'open with Adobe Acrobat Reader' to view it.
Frequently asked questions
The selfie images need to be sent as an attachment to the email. They should not be sent within the body of the email.
The types of file formats accepted are:
- PNG.
- JPEG.
- PDF.
However if you are looking to add a Power of Attorney or Court of Protection deputy only PDF format will be accepted.
The only types of requests we can process online if you have a packaged account with us are:
- 3rd party requests.
- Power Of Attorney.
- Court Of Protection.
Unfortunately, our online processes only apply to UK residents.
Yes. Unlike a joint account you remain the sole owner of the account. You can remove a third party whenever it suits you and you do not need to ask for their permission to be removed.
To complete this online process, you will need to use a desktop or laptop computer. This online journey can not be processed using a mobile or tablet device.
Add a Power of Attorney or Court of Protection Deputy to my account online
To complete either of these processes online we will need you to download our PDF form and email us the relevant information to managemydetails@rbs.com. You’ll need to download Adobe Acrobat Reader (free download) to view the form. Images sent in must be 20MB max size of email with attachments. PDF JPEG and PNG documents only.
Before you apply online you need to know..
What do we mean by 'Power of Attorney'?
A Power of Attorney (POA) gives legal power to one or more persons to help make decisions on your behalf. The people you give permission to manage your accounts are called 'Attorneys' and are legally authorised to look after your finances.
POAs can be set up on a temporary basis (e.g. if you are in hospital) or in the longer term (e.g. if you become ill and can no longer make decisions).
There are different types of POAs that we accept:
- Lasting Power of Attorney.
- Enduring Power of Attorney.
- Continuing Power of Attorney (Scotland).
Once you’ve been granted a POA, you can apply to be added to an account by completing our online form.
When submitting the online form:
To verify your photo ID: We will need a selfie photograph from the person who is requesting POA over the account, not the account holder. The photos must be from the front and side profile. You will need to attach this with the online form and additional documentation below.
If you are requesting POA over a person's account and you are already a NatWest customer: You will only need to send in one form of photo ID and a copy of the original POA confirmation document (including any relevant certificates of registration) or your Office of Public Guardian (OPG) online access code.
If you are requesting POA over a person’s account and you are not a NatWest customer: You will need to send in two forms of identification: one form of photo ID and one form of proof of your address. We will also need a copy of the original POA confirmation document (including any relevant certificates of registration) or your OPG online access code.
Individuals who hold accounts with other Natwest Group Brands (e.g Royal Bank of Scotland or Ulster Bank) must provide two forms of identification as above.
If you are requesting more than one POA on a single account, you cannot do this online and must visit a branch.
All online applications are subject to additional checks and on some occasions a branch visit may be required.
What do we mean by 'Court of Protection' orders?
If there is no Power of Attorney in place and you need to manage an incapable adult’s wider financial and/or personal welfare affairs, an application can be made to the Court of Protection (COP) for you, or someone else to be appointed as ‘Deputy’. The court decides the appropriateness of granting such an order and they’ll decide if the person nominated is suitable. A deputyship order provides the Deputy with a range of powers which can be used to benefit the incapable person. Once appointed, deputies are supervised in their role:
- For financial and property matters – by the Office of the Public Guardian.
- For personal welfare matters – by the local authority in the area where the incapable adult lives.
If you think a Court of Protection Order is appropriate, you may want to seek independent legal advice or contact the Citizens Advice Bureau.
Once you’ve been appointed as a Deputy you can apply to be added to an account by completing our online form.
When submitting the online form:
To verify your photo ID: We will need a selfie photograph from the person who is requesting to be the COP Deputy, not the account holder. The photos must be from the front and side profile. You will need to attach this with the online form and documentation below.
If you are requesting a COP over a persons account and you are already a NatWest customer: You will only need to send in one form of photo ID and a copy of all the original COP confirmation documents.
If you are requesting a COP over a persons account and you are not a NatWest customer: You will need to send in two forms of identification: one form of photo ID and one form of proof of your address. We will also need a copy of all of the original COP confirmation documents.
Individuals who hold accounts with other Natwest Group Brands (e.g Royal Bank of Scotland or Ulster Bank) must provide two forms of identification as above.
If you want to appoint more than one Deputy to a single account, you cannot do this online and must visit a branch.
All online applications are subject to additional checks and on some occasions a branch visit may be required.
The types of identification we can accept through our online process are:
- A valid and in date passport.
- Other Bank Statement.
- Full UK Driving Licence.
- Council Tax Bill.
- EU/EAA National ID Card.
- Utility Bill/ statement (Utility bills must be within the last 3-6 months).
- EU/EAA Driving Licence.
- Mortgage Statement / Solicitor Mortgage correspondence.
- Biometric Residence Permit.
- Local Council / Housing Authority Tenancy Agreement.
- Military ID Card.
- Credit Union statement.
- Notice of Tax Coding.
- National Insurance Confirmation Letter.
How to apply online...
To amend signatories, save the form to your computer, fill it out and use the button at the end of the form to submit it with your changes. It will take around 10 minutes to complete.
- Right-click the link and select 'save as' to download the form to your preferred location on your computer (not on a phone or tablet).
- Right-click the form in its saved location and select 'Open with Adobe Acrobat Reader'.
Remember if the person you are adding to the account is a not a NatWest customer we will require proof of address.
Read 'Help completing the forms' below before starting to help you with your submission. Once you are ready:
To amend signatories, save the form to your computer, fill it out and use the button at the end of the form to submit it with your changes. It will take around 10 minutes to complete.
- Right-click the link and select 'save as' to download the form to your preferred location on your computer (not on a phone or tablet)
- Right-click the form in its saved location and select 'Open with Adobe Acrobat Reader'
Remember if the person you are adding to the account is a not a NatWest customer we will require proof of address.
Read 'Help completing the forms' below before starting to help you with your submission. Once you are ready:
Help completing the forms
Tips for signing the mandate form
Tips to download the mandate form
Step-by-step guide to download and submit your form
See the below step-by-step guide to download and complete the mandate form
- Download Adobe Acrobat Reader if you don't already have it.
- Right-click the link and select 'save as' to download the form to your preferred location on your computer (not on a phone or tablet).
- Right-click the form in its saved location and select 'Open with Adobe Acrobat Reader'.
- Submit your form and our team will review it. We'll get in touch if there are any issues with the submission.
Tips if you see an error message
What do I do if I get an error message?
If you have tried to download the form, you may see the following error message.
"If this message is not eventually replaced by the proper contents of the document, your PDF viewer may not be able to display this type of document. You can upgrade to the latest version of Adobe Reader for Windows®, Mac, or Linux® by visiting http://www.adobe.com/go/reader_download. For more assistance with Adobe Reader visit http://www.adobe.com/go/acrreader."
This is because your browser is trying to display the form but it can't be viewed in a web browser.
Download Adobe Acrobat Reader if you don't already have it. Right-click the mandate form in its saved location (usually your 'Downloads' folder) and select 'open with Adobe Acrobat Reader' to view it.
Tips for using your online access code
Entering your online access code
You can share your LPOA document with us by providing your online access code from the OPG. This replaces the need to provide a scanned version of the LPOA as long as:
- You have registered a LPOA with the OPG in England or Wales, on or after 1 January 2016.
Visit the gov.uk LPOA page and follow the instructions to get your code. It will be 13 characters long, starts with a V and is valid for 30 days.
If your code has expired, you’ll need to request a new one using the above link.
You don’t need a digital access code to register your LPOA, you can also provide a scanned copy of the LPOA document.
Frequently asked questions
The selfie images need to be sent as an attachment to the email. They should not be sent within the body of the email.
The types of file formats accepted are:
- PNG.
- JPEG.
- PDF.
However if you are looking to add a Power of Attorney or Court of Protection deputy only PDF format will be accepted.
The only types of requests we can process online if you have a packaged account with us are:
- 3rd party requests.
- Power Of Attorney.
- Court Of Protection.
Unfortunately, our online processes only apply to UK residents.
Protecting against financial abuse
Financial abuse (also referred to as economic abuse) can take a variety of different forms. It might be financial control, exploitation or sabotage. It can happen in a range of different relationships, for instance, with partners, family members, or carers. Financial abuse could happen to anyone. If you think you have been affected by financial abuse, we can offer support.