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Bereavement support
We’re here to help you deal with some of the practical and money-related matters when someone has died.
The information on this page is for customers located internationally or in the United Kingdom only.
Who we'll talk to about the accounts
Anyone can inform us of a death, but only certain people can deal with the accounts.
Who can deal with the accounts
- A next of kin.
- An executor of the deceased’s will.
- A personal representative of the deceased.
We're by your side through this
We'll guide you through what you'll need to provide
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For joint accounts where one of the account holders has died, we need a copy of the death certificate. We can accept a photocopy of the death certificate by email or post.
Once received we’ll change the account to a sole account in the remaining account holder’s name and the account and all regular payments will continue as normal.
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The accounts will be frozen, cards, cheque books and telephone/online banking will be cancelled. Anyone can notify us of a death but to deal with accounts and products you will need to be either:
- the next of kin
- an executor of the deceased’s will
- a personal representative.
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Please find our guide to certifying your documents.
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Our specialist team will be happy to speak to you by calling +44 1624 641 711.
Lines are open 9am to 5pm Monday to Friday, except UK bank holidays. Calls may be monitored and recorded.
You can also email us at techbankingiom@lloydsbankinternational.com.
Let us know once and we'll do the rest
The person who has died may have had accounts you weren’t aware of. We’re part of a wider group, so if they had accounts with any of the companies listed, we’ll inform them. Other companies will need you to contact them.
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Companies we'll contact for you |
Companies you'll need to speak to |
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Companies we'll contact for you
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Companies you'll need to speak to
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How we deal with payments, statements and letters
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Sole Accounts
We’ll stop all standing orders and direct debit payments. We can give you a list of payments from the account which will help you decide if you need to set up new payments. You should contact the original company to make or cancel future payments. If we receive money, we’ll return it to the sender. Any interest will still be paid until the account is closed. We can’t stop subscription payments from leaving the account. You’ll have to contact these companies to cancel the subscription.Joint Accounts
Standing orders and direct debits will continue, and the remaining account holder can be given a list of payments to check. If you are the remaining name on the account, you’ll be able to use it as normal. If there is a cheque book, it will be reissued in the remaining account holder’s name.
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Sole Accounts
We’ll stop sending communications once we’ve been told of the death. Some of the communications we send out are produced up to 6 weeks in advance. This means we are unable to stop these being sent.
Bereavement related communication will be sent to the personal representative or joint account holder.
Joint Accounts
There will be no change to how you receive your statements, and correspondence will be addressed to the remaining account holder.
Common questions
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No, for most people we can handle the process on the phone or by email and you can send us any documents after we speak. If you have an account with us, we can use your telephone banking details to identify you.
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As the surviving account holder, you can keep using your joint account. If this changes, we'll let you know.
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An executor named in the will may need to apply for a grant of representation, known as a grant of probate. Where there’s no will in place, the authority needed is called letters of administration. These give the legal authority to manage the person’s estate.
You can apply for a grant of probate through the Probate Registry in the jurisdiction where the estate’s accounts or assets are held.