I take it that you do not have a Power of Attorney for your husband?
Thanks for your reply.
I am afraid that if your husband does not have mental capacity, the only way his bank account can be operated is if you apply to become his Deputy (which is the same thing as an Attorney but is the phrase used where a party themselves have not nominated someone to look after their financial affairs).
You can apply yourself via the Court of Protection. Here is the link-
or you can ask a local Wills Solicitor to make the application for you. It is a long winded process, but it may be worth while long term.
On a side issue, as your husband's capital will now be monitored, it is not permissible for him/you as Deputy to withdraw money and for example gift it to third parties.
I hope this assists and sets out the legal position.
I am sorry I couldn't give you a more favourable solution.
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