The death of a loved one feels daunting enough without having to deal with banks. However, this is something that bank bereavement teams deal with every day, and usually a single phone call can set the wheels in motion.
How to talk to the bank
Start with a simple script:
I’m the executor/next of kin and need to inform you about a death. What do I require to close/open/manage the accounts?
Call the bereavement team (most banks have one) and ask for a case number.
What the bank will ask for
Different banks will have different requirements, but generally speaking, most UK-based banks are likely to require:
His or her complete name and home address
Date of death
Whether you have sort/account number details
Your information and your relationship to the deceased
Death Certificate (sometimes a certified copy is required; some will initiate the process with a scan of it)
Identity Document: (passport/driving licence and proof of address)
Proof of authority – It might be the will where you are appointed as executor, or a subsequent grant of probate/letters of administration for larger amounts. For Probate Leicester, visit https://beesandco.com/our-services/probate/leicester/
What happens to the account
Banks primarily freeze single accounts to reduce fraudulent activity. There is a possibility outside of general payments, such as funeral costs (normally paid directly by you, and highly probably when providing the invoice, direct funds will follow). Joint accounts usually remain in the name of the survivor.
Tip: Keep a simple log
Jot down who you were in contact with, the date, and what they specifically requested. It saves you from making repeat calls and helps keep things organised when everything seems chaotic.
