Last year mum went with me and my sister to her two banks and a mandate was sorted so we could get access to money for mum when she is unable to get there. Now one bank has mine and mums name on and other has mum and sisters name on. Mum trusts us totally, we would rather give to mum than her go without anything. Do we need to get a POA ?? Would it make any difference to us or mum ?? I am not sure what a POA actually covers ??