Joint current accounts
If the person who has passed away held a joint account, we'll change the account to the other account holder’s name only when we receive the death certificate. The other account holder can then continue to use it.
Joint cards and chequebooks
We'll cancel any cards and chequebooks that belonged to the person who died when we receive the death certificate. You don't need to return them. Any cards and chequebooks owned by the other account holder won't be affected.
Joint Direct Debits and standing orders
To cancel any Direct Debits, such as electricity or gas payments, the other account holder should contact the relevant organisations.
To cancel any standing orders, the other account holder can either come into a branch or call us on 0800 30 20 11. Lines are open 8am to 8pm, 7 days a week. They'll need to give us the account and payee details.
Sole current accounts
If the person who has passed away held a current account with us just in their name, it will stay open until we receive the documents to close it. More information on these documents can be found in step 3.
Payments into the account, such as from the Department for Work and Pensions, may be recalled.
Sole cards and chequebooks
We’ll cancel their card and chequebook when we receive the death certificate. You don't need to return them.
Sole Direct Debits and standing orders
Once we've received the death certificate, all Direct Debits and standing orders will be cancelled. The personal representative will need to cancel any Direct Debits directly with the organisations. They don’t need to do this for standing orders.
If there's a Direct Debit to pay for home insurance, please check with the insurance company that the house is still covered while the estate is being dealt with.
If the account is overdrawn, the overdraft will need to be repaid from the estate. Our probate partner Phillips & Cohen Associates (UK) will contact the personal representative to help with this. The personal representative can also phone them directly on 0333 555 10 50.
Lines are open:
- Monday to Thursday, 8am to 8pm
- Friday, 8am to 5:30pm
- Saturday, 9am to 1pm
Closed Sundays and bank holidays.