FAQs -

FAQs

Frequently Asked Questions about Money Management from Money Carer Foundation

Appointeeship FAQs

a man and a woman are sitting inside having a discussion. the woman is holding a piece of paper and has a laptop on her lap. the man is a wheelchair-user.

January 15, 2026

Does an Appointee have to report changes in a person's circumstances?

two men are stood indoors by a book shelf. the man on the left looks concentrated. the man on the right has down-syndrome. he is placing a book on top of a pile on the shelf. he looks happy.

January 15, 2026

Can I resign as the DWP appointee?

a young man with down syndrome is sat between his parents. the father, on the left, has paint and paintbrushes in his hands. the mother, on the right, is waving. the young man in the middle has his hands painted in a striped pattern of blue, red, green and yellow. they are all looking forward and smiling.

January 15, 2026

Can a family member be the appointee?

a young man with down-syndrome is looking down at a laptop. there is another man to his left. he is pointing at the screen, and seems to be explaining something. the young man on the right looks concentrated.

January 15, 2026

Can an appointee be nominated on a temporary basis?

a nurse is talking to an elderly woman in a wheelchair. she is holding the woman's wrist, as if checking her pulse. there are flowery armchairs behind them, and a table next to the elderly woman with two cups of coffee.

January 15, 2026

Can a doctor recommend an appointee?

a man and a woman are sat across from each other in a library. the man is a wheelchair user, and has a notebook in his lap. the woman is sitting cross-legged with a laptop in her lap. they are both smiling.

January 15, 2026

Can the Money Carer appointeeship fee be paid for via Disability Related Expenditure?

a young woman and her mother are sat at a table outdoors. the young woman is in a wheelchair, and has an upper-limb difference. the mother is holding a notebook. they are both looking at the notebook and smiling.

January 15, 2026

What does an appointee need to do to manage a Universal Credit account?

a young man in a wheelchair is sat outdoors on a sunny day. he is holding a coffee cup and a clipboard in one hand, and a pen in the other. he is smiling and concentrating on the clipboard.

January 15, 2026

Is an appointeeship or general power of attorney more suitable for someone with capacity?

January 15, 2026

What is the Money Carer Card?

a young man and his mother are sat at a kitchen table. they are both wearing pink. the man, on the right, is holding a digital tablet and angling it towards his mother. the mother is looking at the tablet. they both look concentrated.

January 15, 2026

Can an appointee open a high street bank account?

a group of three people are sat together in an office-setting. only the back of two of them are visible. the man in focus is in a wheelchair. he is holding a coffee cup and a pen. in his lap there is an open notebook. he seems to be discussing something with the other two people. behind him there is a large tv monitor.

January 15, 2026

What is a DWP Visiting Officer? | How to open Appointee Bank Account

a group of 4 people are stood together in a library. they are all posing. on the left, there are two women, the one on the far left is holding a notebook. on the right there are two men. the man on the far right has his arms crossed. the man in the middle is in a wheelchair and has a stack of books in his lap.

January 15, 2026

What is the difference between MCA (2005) and CRPD?

a young man in a wheelchair is sat at a desk indoors. in front of him there is a stack of books and two notebooks. he is writing in the notebook closest to him. he is looking forwards and smiling.

January 15, 2026

Are appointeeships set up by the Court of Protection?

two people are sat at a table indoors. they are both wearing headphones. the person on the right is a wheelchair-user. they are both looking closely at a laptop, with notebooks out in front of them. there is also a microphone in front of them, as if they are recording something.

January 15, 2026

What fiduciary responsibilities does a DWP appointee for welfare benefits have?

a young man and his mother are sat outside playing with blocks. the young man is in a wheelchair with a desk in front of him, and has headphones on. the wooden blocks are laid out horizontally on a wooden box. they spell out love. the mother is looking down at the blocks and pointing at the boy. they are both smiling.

January 15, 2026

What is the Money Carer Current Account Switching Service?

two men are stood indoors by a book shelf. the man on the left looks concentrated. the man on the right has down-syndrome. he is placing a book on top of a pile on the shelf. he looks happy.

January 15, 2026

What form do I need to become a DWP appointee, and what is the process?

a young woman is sat at a table indoors looking at a digital tablet. she has headphones on and is smiling. her mother is behind her with an arm around her pointing to the tablet.

January 15, 2026

Is appointeeship governed by the Mental Capacity Act (2005)?

a young man and his mother are outside. he is sat at a desk playing with blocks that vertically spell out love. he is wearing headphones and smiling. his mother has her arm wrapped around him and one hand pointing at the blocks. she is also smiling.

January 15, 2026

What is a Decision Specific Capacity Assessment?

a young man and woman are in a library picking out books. the woman is in a wheelchair, and has a stack of books on her lap. she is selecting a book from the shelf. the young man is pushing her, and has a backpack and headphones on. they are both smiling.

January 15, 2026

Can an appointee be nominated temporarily?

a family are sitting on a sofa together indoors. the parents are sat in the middle, the son is on the left, the daughter is on the right. they are all hugging and smiling. the parents are elderly.

January 9, 2026

Can there be more than one appointee?

Cards and Managed Bank Accounts FAQ’s

a young man and his mother are sat at a table indoors. the mother, on the left, has an open notebook and a phone in front of her, and a pen in her hand. the young man, on the right, has a laptop open in front of him. they are both looking at the laptop screen. they look concentrated.

January 15, 2026

Do I need a Monika account to access money management services?

two men are sat indoors on a sofa. they both have an arm around each other. the man on the left has down-syndrome. they are both looking forwards and smiling.

January 15, 2026

What financial matters can Money Carer assist with?

two women are sat discussing at a table outside. the woman on the left is in a wheelchair. there is a digital tablet propped up on the table, that the woman in the wheelchair is pointing at. both women are looking at each other and smiling.

January 15, 2026

What are the benefits of external money management?

a young man is sat outdoors in his wheelchair with a blanket over his legs. his mother is stood behind him with an arm over his shoulders. his sister is knelt at his other side with a hand on his wheelchair. they are all smiling.

January 15, 2026

Family Services Disclaimer

two women are sat a table in a cafe. they are both looking down at a piece of paper. the woman on the right has a pair of glasses and a phone in front of her. the woman on the left is in a wheelchair.

January 15, 2026

What circumstances can Money Carer assist with?

a young man in a wheelchair is sat outside. he has headphones on. in his hands there is a clipboard and a pencil. he is looking forwards and smiling.

January 15, 2026

What makes Money Carer banking unique?

a young woman with down-syndrome and her mother are baking. they are both holding spoons and concentrating on putting cake batter into a baking tin. they both look concentrated.

January 15, 2026

How do we enable financial safeguarding?

a woman and a man are sat in a library. the man, on the right, is in a wheelchair, with a notebook in his lap. the woman, on the left, is sat cross-legged on a sofa, with a laptop in her lap. they are both looking at each other and smiling. they are high-fiving.

January 15, 2026

How does Monika function?

a woman in a wheelchair is sat at a table signing a piece of paper. there is a young man stood next to her with his arm around her shoulders. they are both looking down at the piece of paper. they both look concentrated.

January 9, 2026

What if there are no family or friends to take on the appointeeship legal role?

a young man and his mother are sat at a kitchen table. they are both wearing pink. the man, on the right, is holding a digital tablet and angling it towards his mother. the mother is looking at the tablet. they both look concentrated.

January 8, 2026

Can an appointee open a high street bank account?

Carer Cards FAQ’s

January 15, 2026

What is the Money Carer Card?

two men are sat indoors. they are holding hands. the face of the man on the right is obscured. the man on the right has down-syndrome. he is looking at the other man and smiling.

January 15, 2026

What should I do if I lose my card?

January 15, 2026

Where can the Money Carer Card be used?

an elderly woman and a nurse are indoors. the elderly woman is sat on a sofa, and is holding a spiky orange ball in her hand. the nurse is holding one of her hands, and supporting the one with the ball. they are both looking at each other. the elderly woman is smiling.

January 15, 2026

How does the Money Carer Card work?

January 15, 2026

What is the Money Carer Card?

two men are sat indoors. they are holding hands. the face of the man on the right is obscured. the man on the right has down-syndrome. he is looking at the other man and smiling.

January 15, 2026

What should I do if I lose my card?

January 15, 2026

Where can the Money Carer Card be used?

an elderly woman and a nurse are indoors. the elderly woman is sat on a sofa, and is holding a spiky orange ball in her hand. the nurse is holding one of her hands, and supporting the one with the ball. they are both looking at each other. the elderly woman is smiling.

January 15, 2026

How does the Money Carer Card work?

Current Account Switching Service – FAQ’s

a young man and his mother are sat outside playing with blocks. the young man is in a wheelchair with a desk in front of him, and has headphones on. the wooden blocks are laid out horizontally on a wooden box. they spell out love. the mother is looking down at the blocks and pointing at the boy. they are both smiling.

January 15, 2026

What is the Money Carer Current Account Switching Service?

two men are sat indoors on a sofa. they both have an arm around each other. the man on the left has down-syndrome. they are both looking forwards and smiling.

January 15, 2026

What financial matters can Money Carer assist with?

a group of friends are sat on sofas celebrating, and cheers-ing their drinks. the man on the middle right side is in a wheelchair. there is a board game on the table. they are all smiling.

January 15, 2026

What do Money Carer do to ensure future success?

Deputyship – FAQ’s

a young man in a wheelchair is with his carer, who has her arm around him while standing up. they are both smiling.

February 11, 2026

Social Care Circle - Supporting Social Workers

a young man in a wheelchair is with his carer, who has her arm around him while standing up. they are both smiling.

February 11, 2026

Social Care Circle - Social Worker Support

an elderly man is stood outside by a large bush. a nurse is stood next to him. she has her hand on his shoulder, and is passing him a sleeve of tablets in the other. she is looking down at his hand. he is looking off into the distance. they are both smiling.

February 11, 2026

Social Care Circle - Trusted Carer Status

a young man with down-syndrome is stood outside with his parents. he has his face pressed to his mothers. his father is on the other side looking at him. they are all smiling.

February 11, 2026

Social Care Circle - Secure Care Circles

a young man and a woman are indoors in an office environment. they both have glasses on. the young man has down-syndrome. he is holding a clipboard and pointing with a pen at a cork-board full of images. the woman is holding a laptop and looking in the same direction. they both look concentrated.

January 15, 2026

Who can be a deputy for property and finances?

a young woman with down-syndrome is sat at a table threading a needle. her mother is stood beside her advising her what to do. they appear to be doing some kind of embroidery. the mother is smiling.

January 15, 2026

Can the Court of Protection recommend a deputy?

an elderly man is sat outside in a wheelchair. a nurse is knelt down next to him, holding his hand. they are both looking at each other and smiling.

January 15, 2026

Can a social worker recommend a deputy?

a young man in a wheelchair is sitting outside. he has a laptop on his lap and is holding a notebook. a young woman is crouched next to him. he is pointing to the notebook and looking at her.

January 15, 2026

What are the responsibilities of a deputy?

two young women are sat at a table indoors. they are painting on a piece of paper in front of them. the woman on the left is painting on the paper. the woman on the right is dipping her paintbrush into the paint. they both look concentrated.

January 15, 2026

Can a deputyship be temporary?

a young person and their mother are in the living room. the mother is lying down on the sofa and looking over their shoulder at a phone screen. the young person has headphones on and is sat on the floor next to the sofa. they are holding the phone towards their mother.

January 15, 2026

What are the costs involved in applying to be a deputy for property and affairs?

a young boy and his mother are sat at a table indoors. the boy in a wheelchair appears to be playing with some kind of putty. he is holding yellow putty and smiling. his mother is sat next to him with her hands out. she looks concentrated.

January 15, 2026

What is a mental capacity assessment for deputyship?

a woman, and a man with down-syndrome are stood in the kitchen baking. they are putting mixture into a muffin tin. both are smiling.

January 15, 2026

What is the Montreal Cognitive Assessment?

a woman and her son are sat outside. the son is in a wheelchair, and is wearing a fedora-style hat. they are both looking down at a digital tablet screen. the mother is pointing at something and the son is smiling at the screen. the mother is wearing sunglasses.

January 15, 2026

What is the gathering of evidence procedure for a deputyship application?

a young man in a wheelchair is sat at a desk indoors. in front of him there is a stack of books and two notebooks. he is writing in the notebook closest to him. he is looking forwards and smiling.

January 15, 2026

Are appointeeships set up by the Court of Protection?

a young man and his mother are sat outside playing with blocks. the young man is in a wheelchair with a desk in front of him, and has headphones on. the wooden blocks are laid out horizontally on a wooden box. they spell out love. the mother is looking down at the blocks and pointing at the boy. they are both smiling.

January 15, 2026

What is the Money Carer Current Account Switching Service?

a young woman is sat at a table indoors looking at a digital tablet. she has headphones on and is smiling. her mother is behind her with an arm around her pointing to the tablet.

January 15, 2026

Is appointeeship governed by the Mental Capacity Act (2005)?

a group of 4 people are stood together in a library. they are all posing. on the left, there are two women, the one on the far left is holding a notebook. on the right there are two men. the man on the far right has his arms crossed. the man in the middle is in a wheelchair and has a stack of books in his lap.

January 15, 2026

What is the difference between MCA (2005) and CRPD?

Operational & Policy – FAQ’s

an elderly woman wearing a white headscarf is sat outdoors on a bench, on a sunny day. she is looking up to the sky and smiling. a younger woman with a pink headscarf is stood behind the bench with her arms around the other woman. the elderly woman has a hand over the younger woman's. the younger woman is looking down at her and smiling.

January 15, 2026

Can I access a client's bank statements?

a young man is sat outdoors in his wheelchair with a blanket over his legs. his mother is stood behind him with an arm over his shoulders. his sister is knelt at his other side with a hand on his wheelchair. they are all smiling.

January 15, 2026

What is the Family Access Policy?

Payment Wearables from Money Carer – FAQ’s

January 15, 2026

What are Money Carer's Payment Rings, and how do they work?

Payment Wearables from Money Carer

January 15, 2026

How does NFC Technology in contactless wearables help promote financial inclusion?

a young woman with down-syndrome is working in a coffee shop. she is stood in front of a coffee machine and holding a folded paper towel. she is wearing an apron and looks concentrated.

January 15, 2026

Payment Rings vs Mobile Phones: Is Wearable Technology better for financial inclusion?

January 15, 2026

How can Payment Rings and Biometric Payment Cards support financial inclusion for vulnerable people?

Power of Attorney – FAQ’s

a young man in a wheelchair is sat outdoors on a sunny day. he is holding a coffee cup and a clipboard in one hand, and a pen in the other. he is smiling and concentrating on the clipboard.

January 15, 2026

Is an appointeeship or General Power of Attorney more suitable for someone with capacity?

a young woman is sitting on the ground of a running track in athletic gear. she is holding someone's hand as if to stand up. she is smiling.

January 15, 2026

What is the difference between a Lasting and General Power of Attorney?

a group of young adults are sat indoors around a coffee table. on the coffee table there is a board game, headphones, and four drink glasses with straws. the two people on the left are sat on a sofa. the people on the right are both in wheelchairs. the man on the right is rolling the dice on the table. they all look concentrated on the game.

January 15, 2026

How many powers of attorney are there in the UK?

a young couple are washing dishes in the kitchen. a young woman is at the sink, and a man in a wheelchair is drying a plate with a tea towel. they are both smiling.

January 15, 2026

What are the costs involved in setting up an LPA?

a young couple are sat on a sofa indoors. the man, on the right, is saying thank you in sign language. the woman, on the left, has her hand on her chest. they are both looking at each other and smiling.

January 15, 2026

What is the difference between an Ordinary Power of Attorney (OPA) and a Lasting Power of Attorney (LPA)?

an elderly woman is sat down outside. a younger woman is looking at her and has her hands around the other woman's shoulders. they are both smiling at each other.

January 15, 2026

What is a Power of Attorney (LPA) Management Account?

Welfare Benefit – FAQ’s

a young man in a wheelchair is looking to the side. a woman with a microphone is sat is knelt in front of him holding the microphone up.

January 15, 2026

What is the difference between PIP and DLA?

Payment Wearables from Money Carer

January 15, 2026

What is ESA?

an elderly woman is at down outside with a hat on. her granddaughter is stood behind her and is leaning down to hug her. they are both smiling.

January 15, 2026

What is Pension Credit?

a group of young women are outside on a football pitch, on a sunny day. they are wearing blue sports jerseys. the young woman in focus is running forwards towards an outstretched hand, as if to give a high-five. they are all smiling.

January 15, 2026

What is Attendance Allowance?

three young people are outside. the man in the middle is in a wheelchair. he is holding his phone in front of him as if taking a picture. the man to his right is holding a peace sign and looking down at the camera. the woman to his left is waving and looking down at the camera. she has sunglasses on her head. they are all smiling.

January 15, 2026

What is Universal Credit?

a family are sat at a table. the father, on the right, is in a wheelchair. he is looking up at the mother who is stood up. they are both smiling. she has her arm on his shoulder. the son and daughter, on the left, are doing their homework. they both look focused. the mother has her arm on the back of the son's chair.

January 15, 2026

What is Housing Benefit?

a woman wearing all pink and a pink headscarf is standing outside. she has her arms outstretched and is smiling. her head is pointed upwards.

January 15, 2026

What is Personal Independence Payment (PIP)?

a young woman and her mother are sat at a table outdoors. the young woman is in a wheelchair, and has an upper-limb difference. the mother is holding a notebook. they are both looking at the notebook and smiling.

January 15, 2026

What is the process of applying for PIP?

a young woman with down-syndrome is sat at a table indoors. she has glasses on and is in a wheelchair. she is painting. in front of her, there are colourful blocks stacked up. she is smiling.

January 15, 2026

What is the minimum age at which someone can claim welfare benefits?

a young man in a wheelchair is sat at a desk indoors. on the desk in front of him there is a stack of books, and two open notebooks. he is writing in the notebook closest to him. he looks concentrated.

January 15, 2026

What is a Mandatory Reconsideration?

an image of different hands holding up colourful letters. the letters spell out benefits.

January 15, 2026

What benefits can vulnerable adults claim?

a young man in a wheelchair is sat at a desk indoors. in front of him there is a stack of books and two notebooks. he is writing in the notebook closest to him. he is looking forwards and smiling.

January 15, 2026

Are appointeeships set up by the Court of Protection?

a young man and his mother are sat at a kitchen table. they are both wearing pink. the man, on the right, is holding a digital tablet and angling it towards his mother. the mother is looking at the tablet. they both look concentrated.

January 15, 2026

Can an appointee open a high street bank account?