Appointeeship | Becoming a DWP Benefits Appointee
Opening a bank account as an appointee and your role and responsibilities
Money Carer’s payment rings are a simple, secure, and dignified way to help people manage day-to-day spending — without the need for cash, cards, or PINs.
Designed with vulnerable people and their carers in mind, they offer independence for the person being supported and peace of mind for families and professionals.
What Is a Payment Ring?
A payment ring is a small, wearable device that works just like a contactless bank card. By gently tapping your hand near a card reader, you can pay instantly — no phone, wallet, or PIN required.
It’s an ideal solution for people who may find handling money or cards difficult, or who simply want a safer and easier way to pay for everyday items like groceries, transport, or a cup of coffee.
How Do Payment Rings Work?
1. Contactless Technology
Inside every ring is a tiny NFC (Near Field Communication) chip — the same technology used in modern contactless cards. When you hold the ring near a payment terminal, it securely transfers payment information and completes the transaction in seconds.
Because it’s battery-free, the ring never needs charging — it’s powered by the card machine itself when you make a payment.
2. Secure and Private
Your real card details are never stored in the ring. Instead, it uses a secure digital “token,” which replaces your card number with an encrypted code. This protects sensitive information and ensures that, even if the ring is lost, your financial data remains safe.
3. Easy Setup and Management
Payment rings can be linked to a prepaid or managed account, making them ideal for use within Money Carer’s managed carer banking system. Carers or family members can add funds, monitor spending, and support the person they care for — while still promoting independence and autonomy.
4. Always Ready to Use
Each ring is waterproof, durable, and always on, meaning there’s no need to charge or replace batteries. It can be worn all day — at home, outdoors, or even when washing hands.
Why Payment Rings Matter
For people living with disabilities, dementia, or other vulnerabilities, handling money can sometimes be stressful or unsafe. Payment rings offer a practical and empowering alternative — helping individuals maintain confidence, dignity, and independence.
For carers and families, they provide peace of mind. Spending can be easily monitored, limits can be set, and there’s no risk of losing cash or sharing bank cards.
A Step Toward Greater Independence
At Money Carer, the mission is to make financial independence and inclusion accessible to everyone. Payment rings combine cutting-edge technology with compassionate design — helping people stay safe, confident, and in control of their money.
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Money Carer’s payment rings are a simple, secure, and dignified way to help people manage day-to-day spending — without the need for cash, cards, or PINs.
Designed with vulnerable people and their carers in mind, they offer independence for the person being supported and peace of mind for families and professionals.
What Is a Payment Ring?
A payment ring is a small, wearable device that works just like a contactless bank card. By gently tapping your hand near a card reader, you can pay instantly — no phone, wallet, or PIN required.
It’s an ideal solution for people who may find handling money or cards difficult, or who simply want a safer and easier way to pay for everyday items like groceries, transport, or a cup of coffee.
How Do Payment Rings Work?
1. Contactless Technology
Inside every ring is a tiny NFC (Near Field Communication) chip — the same technology used in modern contactless cards. When you hold the ring near a payment terminal, it securely transfers payment information and completes the transaction in seconds.
Because it’s battery-free, the ring never needs charging — it’s powered by the card machine itself when you make a payment.
2. Secure and Private
Your real card details are never stored in the ring. Instead, it uses a secure digital “token,” which replaces your card number with an encrypted code. This protects sensitive information and ensures that, even if the ring is lost, your financial data remains safe.
3. Easy Setup and Management
Payment rings can be linked to a prepaid or managed account, making them ideal for use within Money Carer’s managed carer banking system. Carers or family members can add funds, monitor spending, and support the person they care for — while still promoting independence and autonomy.
4. Always Ready to Use
Each ring is waterproof, durable, and always on, meaning there’s no need to charge or replace batteries. It can be worn all day — at home, outdoors, or even when washing hands.
Why Payment Rings Matter
For people living with disabilities, dementia, or other vulnerabilities, handling money can sometimes be stressful or unsafe. Payment rings offer a practical and empowering alternative — helping individuals maintain confidence, dignity, and independence.
For carers and families, they provide peace of mind. Spending can be easily monitored, limits can be set, and there’s no risk of losing cash or sharing bank cards.
A Step Toward Greater Independence
At Money Carer, the mission is to make financial independence and inclusion accessible to everyone. Payment rings combine cutting-edge technology with compassionate design — helping people stay safe, confident, and in control of their money.
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