When You Don't Need Probate
Probate May Not Be Needed
Not all estates require probate. Understanding when you can proceed without it can save time, money, and stress during an already difficult time.
When Probate Isn't Required
Small Estates
Each bank/institution has its own threshold (typically £5,000-£50,000).
- Barclays: £50,000
- HSBC: £50,000
- Lloyds: £50,000
- NatWest: £25,000
- Santander: £50,000
Joint Assets
Property and accounts held jointly usually pass automatically to the survivor:
- Joint bank accounts
- Property held as joint tenants
- Joint investments
Nominated Assets
Some assets pass outside the estate to nominated beneficiaries:
- Life insurance with named beneficiaries
- Pension death benefits
- Some savings bonds and NS&I products
When You Will Need Probate
- Property held solely in deceased's name
- Bank accounts above institution's threshold
- Shares and investments (most require probate)
- Business interests
- Some types of pension
How to Proceed Without Probate
- Contact each bank/institution with the death certificate
- Complete their bereavement forms
- Provide identification and proof of entitlement
- They will release funds if below their threshold
- Keep records of all transactions for tax purposes
Important Considerations
- • Even without probate, you're still responsible for paying debts
- • Inheritance tax may still be due on larger estates
- • Keep detailed records of all estate administration
- • Some institutions may still request probate despite low values
- • Consider getting legal advice if unsure
Related Guides
You might also find these guides helpful
Probate Guide UK 2025: Complete Step-by-Step Process
Complete UK probate guide 2025 for executors. Learn when you need probate, how to apply step-by-step, documents needed, inheritance tax, costs, timelines, DIY vs solicitor, and common problems.
Do I Need Probate? UK Thresholds £5K-£50K (Free Checker 2025)
Probate needed if estate has property or over £50K. Joint accounts exempt. Check bank thresholds: HSBC £50K, smaller banks £15K.
What Documents Do I Need for Probate? Complete UK Checklist
Complete checklist of documents needed for probate in the UK. From death certificates to asset valuations - everything executors need to gather for probate applications.