Account authorization: giving someone access to your account
Whether in old age, during illness or to support relatives: an account authorization allows a trusted person to use your bank account. Set up correctly, it avoids a lot of trouble in an emergency.
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What you should do now
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1. Choose a trusted person
Think carefully about whom you give access to your account; authorizations are powerful.
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2. Use the bank's form
Grant the authorization using your bank's form; set the scope.
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3. Beyond death?
Consider a transmortal authorization so that action can be taken after death.
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4. Know the revocation
You can revoke the authorization at any time; inform the bank in writing.
Frequently asked questions
What can someone do with an account authorization?
With a banking or account authorization the authorized person may dispose of your account, for example make transfers, withdraw money and set up standing orders, depending on the scope of the authorization. You can revoke the authorization at any time. Because it is far-reaching, you should give it only to a person you truly trust.
Does the account authorization also apply after death?
Only if it was granted 'beyond death' (transmortal); that is usually sensible so that the trusted person can handle urgent matters before the succession is settled. Otherwise the authorization can end with death or through revocation by the heirs. For comprehensive provision, a precautionary power of attorney complements the account authorization.
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General information for self-help, not legal advice (RDG). In case of a high loss or uncertainty: contact a consumer advice center or a lawyer.