We’ve built a positive working relationship with Metro Bank in supporting us with setting up Appointee and Deputy accounts for our clients. The onboarding process was straightforward and largely pain-free, with Dominic and his team guiding us through each step and making sure it was set up quickly and without unnecessary hassle.Senior Client Affairs Officer Bedford Borough Council
Corporate Deputyship Banking
Banking services for organisations managing funds on behalf of individuals who lack capacity
Get started with Corporate Deputyship Banking
Whether you're a corporate deputy, an appointee or a local authority, you’ll benefit from secure, fully transactional accounts and straightforward Online Banking to help you manage your clients' finances.
We offer a financial service for organisations authorised by the Court of Protection or Department for Work and Pensions to open and manage bank accounts for individuals lacking capacity.
Set up a call with our Deputyship Banking team
Key features of our Corporate Deputyship Banking service
We’ve designed our service to give you the tools and support you need to manage client accounts effectively. Here’s what it offers:
Fully transactional accounts
We provide a dedicated account for each client case, with full transactional capability including Faster Payments, standing orders and direct debits — all free of charge (excluding CHAPs and international payments)*.
Dedicated specialist team
You'll have direct access to our Corporate Deputyship Banking specialists — a knowledgeable team who understand the responsibility of managing someone else's finances and are available by phone and email.
Online banking platform
Our Commercial Online Banking platform puts all your deputy and appointee accounts in one place. It's easy to use and lets you manage the entire banking arrangement from a single dashboard. > Learn More
Interest on all accounts
Credit interest is currently paid at 0.75%* on all underlying deputy and appointee accounts, so your clients' funds are always working for them.
Security and compliance
Our Online Banking platform supports complex mandates with dual authority, giving your organisation the governance controls it needs.
*Terms, conditions and eligibility criteria apply. Your relationship manager will discuss any fees with your prior to onboarding including charges relating to CHAPS and international payments.
** Interest rates are variable and may change. The rate shown is correct as at the date of this page 26.03.2026.
Benefits of our Corporate Deputyship Banking service
Our team of specialists are here to help you manage your Corporate Deputyship Banking arrangements with a range of practical benefits:
- Fast account opening — we provide an account opening service enabling you to open new deputy or appointee accounts, typically within 2 working days of a completed application
- Flexible mandates — choose individual authority levels for your team members based on your organisation's specific needs
- Cash card solution — an introduction to a cash card offering for clients with partial capacity, providing controlled access to funds
- High levels of security — Strong account safety features like two-factor authentication (2FA) helps to protect the client funds you hold
Some of the organisations we work with
Bedford Borough Council
Hugh James
London Borough of Harrow
What you need to know
Eligibility
Corporate Deputyship Banking is available to organisations authorised by the Court of Protection or Department for Work and Pensions to manage finances for individuals lacking mental capacity. This includes:
- Corporate deputies appointed by the Court of Protection
- Appointees authorised by the Department for Work and Pensions
- Local Authorities with deputyship or appointeeship responsibilities
How we help with your initial onboarding
To use this service a full commercial onboarding process will be undertaken. You will be provided with a dedicated onboarding manager to guide you through the journey. This includes:
- Set up of Commercial Online Banking facilities
- Training on online platforms and functionality
- Migration of existing deputy/appointee accounts
- Assistance with switching balances and payments
Fees and charges
Please contact us for a review of your specific needs and we can discuss any fees or charges appropriate to your banking arrangements. Monthly fees may be applicable but can be negotiated with your relationship manager.
All transactions are free, apart from CHAPS and International Payments, which are charged separately. Here's a breakdown of transactional charges:
|
Transaction type |
Cost |
|
Faster Payments |
Free |
|
Direct debits |
Free |
|
Standing orders |
Free |
|
Cheque book |
Free |
|
Online Banking |
Free |
|
Telephone banking |
Free |
|
CHAPS payments |
Charged separately |
|
International payments |
Charged separately |
Credit interest: 0.75% paid on all deputy and appointee accounts. Interest rates are variable and may change. The rate shown is correct as at the date of this page 26.03.2026.
Debit cards are not available on Corporate Deputyship accounts, but chequebooks are available upon request.
FAQs
What is Corporate Deputyship Banking?
Our Corporate Deputyship Banking gives you everything you need to manage finances on behalf of individuals who lack mental capacity. We've built a full-service Court of Protection offering that lets your team open and operate designated accounts quickly and securely.
Once you're set up, you'll see all your deputy accounts clearly labelled in one place on our Commercial Online Banking platform. You can transact across all of them in real time, with the flexibility to manage your clients' banking needs from a single, easy-to-use system.
The platform supports complex mandates, so you can choose whether to require one or two sign-offs to release payments — giving you the control and security your organisation needs.
How quickly can I open a deputy or appointee bank account?
Once your Corporate Deputyship Banking service has been set up, our SLA is 5 working days from receipt of a completed application, but we typically open accounts faster than this — often within 2 working days.
What transactions can be made on a deputy or appointee bank account?
Deputy and appointee accounts are fully transactional. You can use Online Banking, telephone banking and a cheque book. Faster Payments, direct debits and standing orders are all free of charge. CHAPS and international payments are available for an additional charge. Please note that debit cards are not available on these accounts.
Is interest paid on deputy or appointee bank accounts?
Yes. Credit interest is currently paid at 0.75% on all deputy accounts, so your clients' funds are always working for them. Interest rates are variable and may change — please check our latest rates for the most up-to-date information.