Supporting you through bereavement
When you lose someone close to you, it can be a very emotional time. This can make even the easiest task seem difficult. We’re here to help you deal with some of the practical and money related matters when someone has died.
The following information is intended for customers located internationally or in the United Kingdom. If you are located in the Channel Islands or in the Isle of Man you can find out more information here.
We're by your side
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 (0)1624 641 711.
Lines are open 9am to 5pm Monday to Friday, except UK bank holidays or email techbankingiom@lloydsbankinternational.com
Calls may be monitored and recorded.
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.
Further support
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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.