Can I access a deceased person's bank account before probate?

Generally no. Banks freeze accounts on notification of death until probate is granted.

How long does it take to close a bank account after death?

Most banks close accounts within 4 to 12 weeks of receiving the required documentation.

Do I need probate to close a small bank account?

Some banks will release small amounts without probate, typically under 5000 pounds, but policies vary by institution.

How to Close a Bank Account After Death

Closing a deceased person's bank account is one of the key tasks in estate administration. This guide explains what documents you need, how to notify banks, and how long the process typically takes.

What you need before contacting the bank

Death certificate – most banks require the original or a certified copy
Grant of probate or letters of administration (unless the balance is below the bank's small estate threshold)
Your own identification as the executor or administrator
Account details if known (statements, card numbers, sort codes)

How to notify the bank

You can notify banks in several ways: visit a branch in person, call the bereavement helpline, send documents by post, or use the Death Notification Service (DNS) for participating banks. The DNS allows you to notify multiple banks with a single submission.

What happens to the money

When a bank is notified of a death, the account is frozen. No withdrawals can be made until probate is granted. Once you provide the grant, the bank will release the funds to the executor account or directly to beneficiaries according to your instructions.

Joint accounts

Joint accounts are treated differently. In most cases, the surviving account holder automatically inherits the deceased's share through the principle of survivorship. The account continues to function, though it will be converted to a sole account.

Using SafeKept to notify multiple banks

SafeKept organises DNS-participating banks for streamlined submission and provides pre-filled postal templates for non-participating banks. Notify all the deceased's banks from a single dashboard and log responses as they come in.