Our comprehensive appointeeship plan is our most popular appointee service. It provides a wide range of money management support for vulnerable people living in their own homes or in supported living accommodation. This in-depth, modern, and multifaceted money management plan surpasses other organisations. Importantly, it is delivered at a considerably lower cost due to a combination of our experience and our substantial investment in Monika, our proprietary banking and money management platform, which keeps our administration costs lower.

Our investment in technology and innovation is just one of the reasons why we have been selected as a finalist in the forthcoming 2025 Card and Payments Awards for both the Financial Inclusion Award and the Best Future Payments Initiative. We were also selected to represent Best Practice and Innovation in the Financial Services category of the 2018 Parliamentary Review.

In many cases, our service fee is often deducted from the amount our clients pay as an assessed care contribution to local authorities as our support is accepted as a legitimate disability-related expenditure (DRE) making our service free of charge in practice when applied.

Comprehensive Appointeeship Plan

£92.50/month

Individual, FSCS-protected client bank account opened for benefit receipts

• Money Carer appointeeship security bond put in place to protect client funds*
  
• Rent management bank account opened to separate and manage rent payments
  
• Carer shopping funds account and prepaid carer cards provided for support workers to make purchases on behalf of the client
  
• Personal budget account opened with a spending card provided for the client’s own spending needs
  
• Separate Direct Payment account opened for the receipt and management of direct payments at no extra cost
  
• Payment of all household and other bills as required, including shared household costs
  
• Liaison with the Department for Work and Pensions (DWP) regarding all welfare benefit matters
  
• Management of Motability vehicle responsibilities, including linking to the DVLA database at no extra cost to the client**
  
• Undertaking in-depth benefit entitlement checks to ensure correct benefit payments
  
• Liaison with the local authority regarding housing benefit payments and management
  
• Liaison with housing associations or landlords regarding rent payment and management
  
• Notification to local authority adult social services teams of our involvement for future communications
  
• Creation of a personal spending budget plan for the client
  
• Secure online and smartphone app access to the financial plan for the client
  
• Secure online access for named carers and social workers
  
• Ability for carers and clients to submit secure online money requests
  
• Arrangement of care funding payments and local authority contribution bills
  
• Funeral plan payment management
  
• Generation of a family tree for future bereavement and beneficiary identification planning
  
• Processing of debt repayments where required (please note: debt management itself is an FCA-regulated activity)***
  
• Working in partnership with solicitors regarding deputyship transfers
  
• Management of additional income streams (only where the client has decision-specific capacity to request this)****
  
• Arrangement of emergency or scheduled payments via PayPoint vouchers
  
• Arrangement of emergency or scheduled payments via the CashbyText service
  
• Provision of read-only online account access for trusted family members (subject to access agreement)
  
• Support from the Money Carer team via phone, email, video call and secure messaging
  
• Ability to arrange independent social worker visits for complex matters
  

Download our Appointeeship Fees and Information Leaflet

* Money Carer in conjunction with Security Bonds Ltd developed the Appointeeship Security Bond in 2018

** Please note, some organisations are charging clients more than £250 per year to manage motorbility scheme responsibilities. We do not agree with this practice as we see the management of a person’s motorbility scheme to be a standard element of a DWP-approved appointee and should not attract additional fees as a motorbility car is funded from the mobility element of an individual’s disability benefit.