Power of Attorney

crabbie2us

My sister and I have power of attorney for our adopted gran who lives in Preston (we live in London). She has given us her bank and card details so that we can do her shopping as and when she needs groceries. As with all banks now, when I go to check out, it asks for verification (via text message / the app) but she doesn't have a mobile. 

I wanted to see if anyone knew if anyone knew if it would be ok for me to put her banking app on my phone so that I can verify payments for her grocery shopping?

Nasqueron

What bank sends a verification to buy shopping?

I pay for groceries with, now, a starling joint account but previously with a Lloyds credit card (both on google pay), I have also used Co-Op and TSB debit cards for switch offers and Halifax CC as well, both physical card and in app, never had this.

With PoA you should check you are fine to do this given you're just spending on groceries but why not find out from the bank why it's doing this? Or get her a PAYG dirt cheap oldie phone that you can use when shopping

Keep_pedalling

As you have POA you should register that with the bank and they can then issue you with a card.

crabbie2us

@Nasqueron, gran banks with TSB - it's weird, sometimes they ask for verification and sometimes not. When I put the payment through on my Chase card, it also asked me to verify the payment in the app

Zanderman

crabbie2us said:

My sister and I have power of attorney for our adopted gran who lives in Preston (we live in London). She has given us her bank and card details so that we can do her shopping as and when she needs groceries. As with all banks now, when I go to check out, it asks for verification (via text message / the app) but she doesn't have a mobile. 

I wanted to see if anyone knew if anyone knew if it would be ok for me to put her banking app on my phone so that I can verify payments for her grocery shopping?

If you're just using her bank cards then you're mis-using the concept of PoA - indeed you're not using PoA at all. Using someone else's cards is breaking banks terms.

For PoA you need to go to the bank with the PoA  and get cards of your own that access her accounts. And when you do that any verifications would come to you. 

I would strongly advise you do all this properly!

crabbie2us

Many thanks @Keep_pedalling, I didn't think of that - will contact them today.

Zanderman

Nasqueron said:

What bank sends a verification to buy shopping?

I would guess, though OP doesn't say, that as OP is in London and Gran is in Preston, these grocery purchases are online orders. And online orders often need verification.

Barkin

As others have said, POA needs to be registered with any banks etc before it can be used. What you're currently doing isn't using the POA at all - it's just misuse of her account!

You should give her bank a call, tell them that you wish to register the POA, and find out exactly what their procedure is - what documents etc you need to provide. It'll almost certainly require a branch visit, and you may find it all a bit easier if you also have an account with her bank.

We've recently done this for my FIL with Barclays. My wife already banks with them, which made things a bit easier. 
Now it's all setup & done, she has her own card for his account, and can operate it through her own online banking. (eta but not through the mobile app) 

It's a bit of a faff, but it really does need to be done properly. 

Nasqueron

Zanderman said:

Nasqueron said:

What bank sends a verification to buy shopping?

I would guess, though OP doesn't say, that as OP is in London and Gran is in Preston, these grocery purchases are online orders. And online orders often need verification.

Ah I didn't see that they were in London, I think a cheap PAYG phone is the way to go here and link to the account as an alternative

Barkin

Nasqueron said:

Zanderman said:

Nasqueron said:

What bank sends a verification to buy shopping?

I would guess, though OP doesn't say, that as OP is in London and Gran is in Preston, these grocery purchases are online orders. And online orders often need verification.

I think a cheap PAYG phone is the way to go here and link to the account as an alternative

And continue misusing gran's account?
Properly registering the POA is the correct thing to do.

What do you mean by "link to the account? 

Nasqueron

Barkin said:

Nasqueron said:

Zanderman said:

Nasqueron said:

What bank sends a verification to buy shopping?

I would guess, though OP doesn't say, that as OP is in London and Gran is in Preston, these grocery purchases are online orders. And online orders often need verification.

I think a cheap PAYG phone is the way to go here and link to the account as an alternative

And continue misusing gran's account?
Properly registering the POA is the correct thing to do.

What do you mean by "link to the account? 

I didn't say continuing to misuse the account hence getting the phone rather than trying to put the person's account on their own phone.

Get the proper cards, get her a phone linked to the account to send authorisations to (which the OP stated in the first post, she doesn't have) then they can do it properly