Grocery Deliveries

[FritataPatate]

Looking for suggestions, please!
My 90 yo PILS are no longer able to drive . We live 3 hours drive away and so I have started ordering an Asda delivery for them. I'm sure I'm not alone in this! They have lost the skills for using mobile phones and internet, so they tell me what they want and I do the order. How do other people manage the payment? I have my FIL's payment card details, but his bank always wants to send an OTP to his phone, which would panic and confuse him completely.
Does anyone know of a workaround?

My mum periodically gets the bank to transfer a lump sum to me and I pay for things with that until its gone then she does it again. I keep accounts. Or set up a POA and get them to put you on the bank account.

You could log into their account to put the money over to you, then you pay on your card.
You could open a joint account with them.

You should definitely get a lasting power of attorney for finance and health for both of them while they are still capable of consenting. It's much more difficult to do anything after they have lost capacity. In the short term my Mum's bank gave me access to her accounts. Much like I had for ds when he was younger

You can get a 'carer card' which gives you access to a limited amount of funds from their account - I don't know how they're topped up or which banks do them, but they were issued during the pandemic to help when people were shopping for people shielding and no-one wanted to pass cash around.

Or if they have a credit card, they could get a second card for you and pay by that, and it's paid off each month in full from their account. They'd be able to put your number in for the OTP code.

agree with pp. you need power of attorney so that you can legitimately use your pil bank account. would be beneficial for health stuff as well at this age.

for my grand parents we siblings tooks turns ordering & paying until poa came through officially.
unfortunately relatively quickly my grand parents were no longer able to get to the door to receive the delivery and we had to organise something different.

I have a TPA card for my mum's account .
It is a card issued to me/my name
but her account.
It has its own long card number and stuff.

I use it for her groceries/paper bill/lottery and stuff.
We did have to go into the bank to set it up though .
But might be quicker at the moment than a POA .

I am also logged in to online banking for her .

Though to add payees ...I needed to do it with her in the house .

I’ve just done an Asda delivery for my mother. They referred me back to her banks mobile app for me to verify the payment. I have a card on mums account and set up the Santander app on my iPhone. So any ordering I do on her behalf just goes to the app on my phone. My mother doesn’t have a mobile and couldn’t cope with it either. Getting my own card on her bank account has been a life saver tbh. Any financial issues I can deal with easily on her behalf as well as eg when she does go to the shops with me I can hand over my own card on her account to pay the money out for her. Mum couldn’t cope with PIN numbers etc. You would need to take your in-laws to the bank and discuss adding you to their account to get another card. Assuming they want to do that of course.

My card isn’t a carer card. It’s just now a joint account. I can see all Dds, all statements and can do everything mum can do. No limits. It also means the bank will and has talked to me when I eg phoned them to ask if they could send her large print statements.

Where are the bank getting the mobile phone number? Update that record to be your own mobile phone number.

Then you can continue to use their card details.

We had really lovely help from people delivering to DM, in the years when she was living alone.

On one occasion, her phone was out of order. The delivery driver used their own phone to ring me and let me know,so I would try and ring and be worried by jo answer.

Many thanks for these helpful suggestions. Invoking Power of Attorney is a step too far atm . But I could try using a banking app with their card. I wish he never gave his mobile number to the bank, because he doesn't use it any more!

We sorted this by adding me as a joint account holder - that way I have my own denit card on their account and can authorise payments etc using my mobile. Also allows me to check what they are spending on - useful when I found that they had signed up for a recurring mobile payment whcih wasnt needed rather than just adding money payg.

There was initial reluctance and suspicion but I think they are now reassured that I have their interests at heart and know that I wont be out of pocket (there seems to be a big fear of owing money or of me being unable to pay which seems to be a generational and a treating me still as a child thing!).

Can't you just update the phone number with the bank to your own? X

3rd party access to his account - you'll get a card and legit banking app use.

• loads of ideas above, but it's an ongoing nightmare.

But do you have POA set up for them ready to pop into place when the time is right?

Provided your parents agree you can usually get added as a 3rd party on their account with your own card. It may involve a visit to.a branch though.

Why is PoA a step too far? You don’t have to take over everything. For a long while Dad managed all his shopping and bills while I looked after his savings. Worth setting up now given the time it takes. Meanwhile use one of the solutions people have given you