1
Tell us about your LPA
Make an enquiry online or by phone. A specialist will talk you through how the account works and answer any questions about your situation.
Transparent Power of Attorney Banking
Shared Money Management Made Simpler
A secure banking service designed for Lasting Power of Attorney arrangements. Clear visibility, multi-attorney approvals and secure spending controls, so you can manage with confidence, and your loved one keeps their independence.
FSCS protected for up to £120,000
Simple fee structure of £7.50 per month
Includes up to 4 connected bank accounts
Payment approval
Awaiting 1 of 3
£1,240.00
Sunny Days Care Home · Monthly fee
MF
Approved
Meredith Fillipelli
Attorney · Daughter
RH
Approved
Gabe Lewis
Attorney · Son
SK
Pending
Kelly Kapoor
Attorney · Solicitor
Who it's for
One account designed around every role in an LPA.
Switch between the people involved in a Lasting Power of Attorney to see how the account supports each of them.
For family attorneys
Manage with confidence, not anxiety.
Built for the daughter, son or partner who's been appointed under an LPA and wants to do it well, without becoming an accountant.
- Full visibility of balances, transactions and direct debits from your phone
- Missed or inadequate welfare benefits alerts.
- One-click statements for OPG reviews and family discussions
This month · Mum's account
State Pension
+ £860.00
Tesco Express
– £42.18
British Gas
– £74.50
Sunny Days Care
– £1,240.00
Balance
£4,287.42
For the donor
Independence, kept intact.
The person the LPA exists to support keeps their own card, their dignity, and the freedom to spend on the things that matter to them.
- Their own bank card, in their own name
- Sensible spend limits, agreed by the family
- Bills and direct debits handled in the background
Donor's card
Weekly spend limit
£128 of £200 used
£72 left
For joint attorneys
Decide together, no matter your location
For LPAs with joint attorneys - such as siblings, partners, or a family member and a solicitor - every authorisation is captured and decisions can be made from anywhere. Whether attorneys are overseas or spread across the country, there's no need to post documents or coordinate in-person meetings. Each attorney can review, agree, and authorise remotely.
- Multi-attorney authorisation on payments above your chosen threshold
- Every attorney has their own secure login and audit trail
- Integrated e-signatures for account onboarding
Payment approval · £1,240.00
JD
Approved
Jane Doe
Attorney · Daughter · Signed
RH
Approved
Richard Hale
Attorney · Son · Signed
SK
Awaiting
Sarah Kapoor
Attorney · Solicitor
Threshold: signatures required from all attorneys for payments over £500.
For carers
Safe and secure for carers.
Whether it's a live-in carer, a regular visitor, or a family friend helping with the shopping, carers can pay for what's needed without ever touching the donor's main account or asking attorneys for cash.
- Dedicated Carer Card and emergency cash options
- Every purchase visible to attorneys in real time
- Receipts can be stored securely in document storage
Carer card · Mark Chen
Boots Pharmacy
– £18.45
Sainsbury's
– £62.30
Costa Coffee
– £8.90
Weekly spend limit
£89.65 of £150 used
£60.35 left
Features
Everything you need to manage money under an LPA.
Built on Monika's safeguarding platform and designed around the realities of acting as an attorney — wherever in the world you are.
Shared, live visibility
Every attorney sees balances, transactions and direct debits in real time, from any device — so nobody has to chase a paper statement.
Multi-attorney approvals
Payments above a threshold you set need sign-off from each appointed attorney, captured with a full, timestamped audit trail.
Built for overseas & remote attorneys
Review and authorise from anywhere, with no documents to post or in-person meetings to arrange — even when attorneys are abroad or spread across the country.
Donor & carer cards
The donor keeps their own card and independence, while carers get a dedicated card with agreed spend limits — every purchase visible to attorneys.
OPG-ready reporting
One-click statements for Office of the Public Guardian reviews and family discussions, with receipts stored securely against transactions.
Protected & private
Held with a regulated banking partner and FSCS-protected up to the statutory limit. Your data is encrypted, GDPR-compliant, and never sold.
How it works
Three easy steps, no paperwork mountain.
We've taken the complicated parts and handled them for you. Most families are up and running within a fortnight.
2
We set everything up
We verify the LPA, open the account, and option to use the Current Account Switch Service to bring across the existing one. Around seven days, no upheaval.
3
Manage together, from day one
Your dashboard, the donor's card, the alerts, the reports — all working from the moment the switch completes. Support on hand if you need us.
Built on 16 years of safeguarding
The team trusted by hundreds of UK solicitors — now for families.
The LPA Account is built on Monika, the money management platform already used by professional attorneys and local authorities across the UK. The same safeguards, made free for family LPAs.
300+
Solicitors, Local Authorities and Trust Corporations
£500m+
Processed on the platform in the last 12 months
16 yrs
Of money management expertise
7 days
Average time to switch from your existing bank
Partners & collaborations
Working alongside the UK's trusted institutions.
Questions, answered
The things most families ask first.
Is there a cost to open the account?
There's a simple flat fee of £7.50 per month — no tiers and no balance conditions, and nothing extra to open the account.
How long does the switch take?
Around seven working days, using the official Current Account Switch Service. We handle direct debits, standing orders and incoming payment, so nothing slips through.
Do we need a registered LPA in place already?
Yes — a Lasting Power of Attorney for Property and Financial Affairs needs to be registered with the Office of the Public Guardian. If you're partway through the process or unsure, get in touch and we'll help you find the right next step.
Can more than one attorney use the account?
Yes. Every appointed attorney can have their own login. You decide together how payment approvals work, for instance, requiring two signatures on anything over £500.
Will the donor still be able to spend their own money?
Yes. The donor remains in control of the account and can decide how much support or access the attorney has. For example, they might choose to handle everyday spending with a debit card while leaving bills and benefit payments to the attorney.
If the attorney has concerns about the donor’s ability to manage the account, and following a financial capacity assessment, the attorney may take the lead and determine the level of access that is appropriate for the donor.
Is my data safe?
Yes. We're GDPR-compliant, your data is encrypted, and we never sell information to third parties. Banking is handled by our regulated banking partner and is FSCS-protected up to the statutory limit.
Money Carer Core Services & Offering
Touch Account
Simple banking with innovative payment devices and flexible support when you need it
Money Management
For those who wish to receive some extra support with managing their finances.
Direct Payments
Practical support for local authorities and solicitors, ensuring financial inclusion for our clients.
The Money Carer Card
Prepaid cards for care providers and support workers, ensuring safe, hands-on financial support.
Make an enquiry
Talk it through with a real person.
Leave a few details and a specialist will be in touch within one working day. No pressure, no obligation — just a calm conversation about what's right for your family.
0161 791 3064
Mon–Fri, 9am–5pm