Help with bereavement

Help with bereavement

How we can help

When a family member or someone close to you passes away, it can be an upsetting and difficult time – particularly if you need to sort out their finances. We will do our best to help you with some practical suggestions and useful information.

Bereavement notification

Please contact us to tell us of the bereavement – we are here to offer you our full support. You can call us and we will aim to give you any information that you may need.

Mortgages

0345 300 8000
8.30am-7.30pm, Mon-Fri
09.00am-1.30pm, Sat

Having trouble making mortgage payments?
0800 169 9722

Current Accounts

0345 266 8977
8am-10pm, Mon-Fri
8am-6pm, Sat
10am 5pm, Sun and Bank Holiday

Credit Cards

0345 607 6500
8am-10pm, Mon-Fri
8am-6pm, Sat
10am-5pm, Sun and Bank Holidays

Savings

0800 169 7500

ISA
9:00am - 7:00pm, Mon - Fri
9:00am - 1:00pm, Sat
Closed Sun and Bank Holidays 

Non-ISA
8:00am - 10:00pm, Mon - Fri
8:00am - 6:00pm, Sat
10:00am - 5:00pm Sun and Bank Holidays

Identification

If you are the Next of Kin or Personal Representative of the deceased’s Estate, we will need proof of identity from you. This is so that we know who we are writing to and that you are entitled to account details. If you have an account with us, we will only need your account number.

Proof of death

We will need a certified copy of the Death Certificate, a certified extract of the Will (if available) naming the Executors and we may need a copy of the Grant of Probate. If there is no valid Will or Executors have not been named in the Will, we will need a certified copy of the Letters of Administration.

Certification

We don’t need you to send us your original documents. Certified copies of your original documents can be obtained from one of the following*:

a) Post Office official (UK)
b) Bank or Building Society official
c) FCA registered broker/introducer
d) Justice of the Peace or Commissioner of Oaths / Notary Public
e) Accountant, Solicitor or Barrister

You might be charged a fee depending on who you ask to certify your documents.

*There may be circumstances where we request additional documentation.

Proof of Identity

Valid passport
EU National Identity Card (photographic)
Valid UK Photo card Full/Provisional Driving Licence
Electoral ID Card (NI only)
Translink Smart and Senior Smart cards for customers over 60 (NI only)

 

Proof of address

Utility Bill, other than a mobile phone bill, dated within the last 6 months
Bank/Building Society/Credit Union/Credit Card/Post Office Accounts Statement dated within the last 6 months
Local Authority correspondence
Valid UK Photo card Full/Provisional Driving Licence (may only be used for either proof of identity or proof of address, not both)

 

Releasing funds to pay the Funeral Director

A certified copy of the Death Certificate
Proof of the Executor, Administrator or Next of Kin’s identity (where required)
The Funeral Director’s invoice
Our ‘Payment Authorisation’ form signed by the Executor(s), Administrator(s) or Next of Kin

 

Releasing funds for other expenses relating to the funeral

You can also pay for other funeral expenses like, refreshments, flowers or memorial cards, from the account of the person who has died.

We need the following documents from the Executor(s) or Next of Kin:

A certified copy of the Death Certificate
A certified extract of the Will naming the Executor(s) or, if there is no Will, a letter naming the Next of Kin
Proof of the Executor, Administrator or Next of Kin’s identity (where required)
Our ‘Indemnity form for other funeral related invoices’, signed by the Executor(s) (if there is a valid Will) or by Next of Kin (if there is no Will).

 

 

Settlement of accounts if the total estate is less than £10,000

A certified copy of the Death Certificate
A certified extract of the Will naming the Executor(s) or, if there is no will, a letter naming the Next of Kin
Proof of the Executor, Administrator or Next of Kin’s identity (where required)
Our ‘Indemnity on payment of monies from deceased customer’s account’ form, signed by the Executor(s) (if there is a valid Will) or by Next of Kin (if there is no Will)
Our ‘Payment Authorisation’ form signed by the Executor(s) (if there is a valid Will) or by Next of Kin (if there is no Will).

 

Settlement of accounts if the total estate is more than £10,000

A certified copy of the Death Certificate
Proof of the Executor, Administrator or Next of Kin’s identity (where required)
A certified copy of the Grant of Probate (if there is a valid Will) or Letters of Administration (if there is no Will)
Our ‘Payment Authorisation’ form signed by the Executor(s) (if there is a valid Will) or by the Administrator(s) (if there is no Will).


There may be circumstances where we request additional documentation. 

Definitions

A-Z list of terms

A | B | C | D | E | G I | L || P | W |

Term

Description

Administrator

A person(s) appointed by the Probate Office of the High Court to handle the Estate of a person who has died intestate.

Beneficiary

A person named in the Will  to receive  property or other assets gifted by the deceased person.

Certificate of Balance

A list of accounts including account balances the deceased person had.

Certified Copy

Certified copies are copies of original documents (like Passports or Death Certificates) which have been branded “original sighted” and signed by an authorised official. 

Death Certificate

An official document issued by a medical practitioner certifying the death of a person.  The document states the date, place and cause of death.

Deceased Estate

The property and assets belonging to a person who has died is called their Estate.

Executor

A person(s) named in a Will instructed to carry out the wishes of the deceased.

Grant of Probate

This confirms that the Will is valid and confirms the Executor as the representative of the person’s Estate. It is applied for through the Probate Office of the High Court.

Inheritance Tax

Inheritance Tax is a duty imposed on the assets inherited from a deceased person where the Estate is valued at more than £325,000.  You can find out more at gov.uk/inheritance-tax

Intestate

A person dies ‘Intestate’ if they do not leave a valid Will. In this case, an application needs to be made to the Probate Office of the High Court for Letters of Administration.

Letters of Administration

An official Order issued from the Probate Office of the High Court appointing an Administrator of a deceased person’s Estate where no valid Will exists.

Next of Kin

A person’s closest living relative or relatives.

Personal Representative

This is either an Administrator or Executor.

Will

A Will is a legal document setting out how a person wants their Estate to be distributed after their death. It names the person or people they want as Executor(s) to carry out their wishes.

Can we help?

Tell us about a bereavement or make a payment

Mortgages

0345 300 8000 8.30am-7.30pm, Mon-Fri
09.00am-1.30pm, Sat

Having trouble making payments?

0800 169 9722

Current Accounts

0345 266 8977 8am-10pm, Mon-Fri
8am-6pm, Sat
10am 5pm, Sun and Bank Holiday

Credit Cards

0345 607 6500 8am-10pm, Mon-Fri
8am-6pm, Sat
10am-5pm, Sun and Bank Holidays

Savings

ISA

0800 169 7500 9:00am - 7:00pm, Mon - Fri
9:00am - 1:00pm, Sat
Closed Sun and Bank Holidays

Non-ISA

0800 169 7500 8:00am - 10:00pm, Mon - Fri
8:00am - 6:00pm, Sat
10:00am - 5:00pm Sun and Bank Holidays