Deputies, executors and personal representatives

Banking designed for people acting on behalf of others.

Cater Allen provides banking for people who are responsible for managing someone else's finances. This includes deputies appointed by the Court of Protection, executors and administrators of an estate, and personal representatives managing ongoing financial matters.

Our accounts are designed to help you manage money clearly, securely and with confidence, while maintaining a clear view of the funds you're responsible for.

Who is this banking designed for?

Our banking services support people acting in formal roles, including:

deputies appointed by the Court of Protection

executors and administrators of estates

personal representatives managing ongoing finances

professionals acting on behalf of individuals who cannot manage their own affairs

Whether you're managing finances temporarily or over a longer period, our accounts are designed to support clarity, control and oversight.

Managing money clearly and responsibly

When acting on behalf of someone else, it's important to have banking that's easy to understand and manage. Our accounts help you to:

manage day-to-day money for living costs and regular payments

hold funds securely and earn interest when money is not needed immediately

maintain a clear view of balances and transactions

keep finances separate and well organised

support responsible decision-making and record-keeping

Our focus is on making it straightforward to manage money in line with your responsibilities.

How we support deputies, executors and representatives

Digital account access

Access accounts online to support visibility and oversight, so you can clearly see the money you're managing.
Relationship support

Work with a dedicated relationship team that understands these roles and can provide guidance when needed.
Strength and protection

Eligible deposits are protected by the Financial Services Compensation Scheme (FSCS), and accounts benefit from the backing of Santander UK plc.

Why choose Cater Allen

People acting on behalf of others choose Cater Allen because we offer:

banking designed for deputies, executors and personal representatives

clear structures that support oversight and responsibility

online access that simplifies day-to-day management

ongoing support from experienced teams

the stability of a UK bank backed by a major banking group

Our role is to support you in managing finances responsibly and with confidence.

What our partners say

"Cater Allen have been a trusted partner for us for many years, providing trust bank accounts, trust savings accounts and a range of trust Fixed Term Deposit Accounts with competitive interest rates. They're easy to deal with and provide a high level of service - I would recommend them to other businesses."

Lisa Simpson | Trustee Accounts Specialist, Trustee Accounts

"I've worked with Cater Allen on a large number of personal injury trust bank accounts for vulnerable clients. They are my go-to provider due to the online banking facilities. The introduction of their online application process has significantly improved efficiency, and I'm hopeful this continues. The support from our dedicated relationship manager has always been friendly and responsive, making the overall process much smoother."

Stephen Farnfield | APFS, Director, Paladin Group

"We hold Cater Allen accounts for trusts that we administer, and for attorneyship and deputyship clients. We are impressed with how quick and easy it is to withdraw funds from the accounts – funds are usually received on the same day they are requested, which enables us to efficiently manage client assets. A meeting with the Relationship Support team every few months also gives us the opportunity to provide feedback or suggest ways in which the service could be further improved."

Sue Knowles | Trust Manager, Ashfords

"Cater Allen gives us the confidence that our SSAS funds are managed through a secure, well-structured banking solution backed by a team who genuinely understand the sector. Their service has made a meaningful difference to our ability to manage and administer pension schemes scheme effectively and providing clients 24/7 visibility of their SSAS bank account. I would not hesitate to recommend them to other SSAS trustees or advisers looking for a reliable and knowledgeable banking partner."

Premal Prajapati | Director, Intrusted Pensions LTD

"We have partnered with Cater Allen for SSAS accounts because they combine a genuine understanding of the SSAS market with the backing of a large banking group. We are looked after by Chris Sanderson who is always on hand with his team. Cater Allen offer true dual online authorisation whereby both the pension provider and the client need to authorise transactions, and as another differentiator they involve us in the ongoing development of their online tools."

Andrew Roberts | Head of SSAS, Barnett Waddingham LLP

"With banks shying away from trusts, it is great to be working with an experienced and professional bank. I must say your new onboarding system has made it easier for me to help clients open accounts more quickly than before."

Mark Thompson | Mark Thompson Law

"I have now submitted 3 cases on the new online system, and I have say what a game changer! It’s so easy to use and if anything is required there is a simple response task to complete where you can attach any missing documentation. I had one of my accounts open within 5 working days which is so much faster than the paper-based approach previously used and saves my time which is of course precious. The improvement is helping my business in this area so thank you for making the process so streamline and succinct."

Matthew Isaacs | Bloomfield & Associates

"Cater Allen have delivered online access for our clients as well as an online onboarding process and our clients have welcomed this modern approach to SSAS banking. They also offer various accounts with differing access and interest rates to suit our client’s needs. We would highly recommend them and look forward to building our relationship further."

Steve Hart | Morhart Pensions