Don't think having Power of Attorney will make it easy to open a fixed savings account for your relative. Setting up telephone banking makes no difference and it will take a fortnight to set up Internet banking as two separate things have to be sent in the post. I was misled on the phone that I would be able to supply my relative's address if I waited for my telephone banking codes but this wasn't true so I wasted not going into a branch to tell them in the meantime. I do think they are deliberately delaying my relative getting any interest by making up excuses not to. I think it's disgusting