Published on 12, July, 2020
My son is 16yrs old but with the mental age of a 6 / 7 yr old. I need to set up a bank account for him, but I need one where I can control it for him. The searches I have done so far with high street banks have only accounts which the parent can control until the child is 18yrs old. These are of no use to me, has anyone had similar problems
This is not something I have experience of, but I've briefly had a look on the internet.If your son lacks the mental capacity to appoint an EPA or LPA, then you should be able to act as an appointee or deputy for him.
My advice would be to read through the information on the following web page (see link below):https://www.gov.uk/government/publications/deputy-and-attorney-guidance-dealing-with-banks/manage-a-bank-account-for-someone-else-web-versionAs Tulip52 has said, it's possibly worth paying a visit to your local bank(s) and/or building societies to make enquiries.
I believe you can open a bank account for your son and you as the third party or authorised user, can have control/access over this. Your son would need to authorise this. I would pop into your local bank and make enquiries.
For example, Jane Connor on behalf of Jack Connor