How to Notify Banks After a Death
Notifying banks about a death is one of the most important tasks for executors and family members. Banks need to freeze accounts, stop payments, and secure the deceased's finances. This guide explains exactly what you need to do.
- Contact banks as soon as possible after death
- Accounts will be frozen until probate is granted
- You'll need death certificate and proof of relationship
- Joint accounts may continue for surviving account holder
- Direct debits and standing orders will be stopped
- Banks may release funds for funeral expenses
What happens when you notify banks
When you notify a bank of a death, they will:
- Freeze the deceased's accounts - No money can be withdrawn
- Stop all payments - Direct debits, standing orders, card payments
- Cancel cards - Debit and credit cards are immediately cancelled
- Secure funds - Money is protected until probate is granted
- Provide balance statements - For probate valuation purposes
Bank Notification Checklist
Immediate Steps
- Make list of all banks and financial institutions used by deceased
- Phone all banks immediately to report the death
- Gather death certificates and proof of your relationship/authority
- Send required documentation to each bank by post
Banks are experienced with death
Banks deal with death notifications regularly and have established procedures. They're usually helpful and understanding, but they must follow legal requirements to protect the estate.
Be patient with the process - it protects everyone involved and ensures the deceased's wishes are properly carried out.
Related Guides
You might also find these guides helpful
Complete Checklist: Who to Inform When Someone Dies in the UK
Comprehensive UK checklist of who to notify when someone dies. Includes government services, banks, utilities, insurance, and more with timelines and what information you need.
UK Death Notification Process: Complete Guide 2025
Complete UK death notification process guide 2025. Learn who to notify when someone dies, priority order, Tell Us Once service, timelines for banks, government, utilities, and all 40+ organisations.
Complete Guide to Tell Us Once Service
How to use the government's Tell Us Once service to notify multiple departments with a single notification.