Losing a loved one

When you've lost someone, speaking to banks will be the last thing on your mind. We're here to help. Talk to us and we’ll make the process as simple as possible.

Get in touch

Please get in touch as soon as possible so we can protect the account(s), even if at this stage you have not obtained the documents noted below.

You can visit your local branch or call our Specialist Bereavement Team on 01624 641711. You can also email us at techbankingiom@lloydsbankinternational.com

We'll help you figure out what to do next regarding accounts and any regular payments.

What to expect

We’ll ask you for details about the person that’s died and your relationship to them. If you haven’t found a will, don’t worry, we can still help. If you have any questions, you may want to make a list and we'll do our best to answer them all.

We’ll also need to speak to the executor or next of kin. If that’s you, then you’ll need:

  • The death certificate
  • Proof of your identity   
  • Cards and cheque books to help us find and protect the accounts.

You can use your passport or photo driving licence as proof of identification. If you don’t have one of these, when you contact us, we’ll let you know the other types of ID we accept.

What happens next?

During our conversation, we’ll take the time to support you, talk you through each stage and make sure we understand exactly what you need. Then, we’ll go ahead and make any relevant changes. We can do things like close any of their accounts or put joint accounts in the surviving person’s name.

For accounts held with Lloyds Banking Group, we'll automatically notify all of the following so you don't have to:

  • Lloyds Bank
  • Halifax
  • Bank of Scotland
  • MBNA
  • Scottish Widows
  • Clerical Medical
  • Birmingham Midshires

As we handle your case, if we need any more information, we'll let you know.

  • Who should contact the bank after someone dies?

    We need to speak to one of these people:

    • The executor named in the will
    • Next of kin
    • Representative (if there’s no will)

    Do I need to go into a branch?

    No you don’t. For most people, we can handle the process on the phone/email and you can send us any documents after we speak. Plus, if you have an account with us, we can use your telephone banking details to identify you.

    Can I take money out of a joint account?

    As the surviving account holder, you can keep using your joint account. If this changes, we'll let you know.

    What happens to standing orders and direct debits?

    This depends on if it’s a joint account or if the account was only in their name. For joint accounts, your regular payments will stay in place. If you want to cancel a Direct Debit, please let us know.

    If the account was only in their name, we'll stop all regular payments. Then we'll give you a list of these payments, so you can contact the right companies to either cancel or keep making them.

    What happens to an outstanding personal loan?

    If the loan was just in the name of the person who died and they had money in other accounts, we’ll talk to you about your options. If the loan was in joint names, the other person named in the loan needs to keep making the monthly payments.

    What is probate?

    If you're named in someone's will as the executor, you may need to apply for a grant of representation. If there's a will, this is called a grant of probate; if there isn't, it's called letters of administration. It gives you the legal right to deal with their estate and do the things they've asked for in their will. You can apply for a grant of probate from the Probate Registry in the jurisdiction of where the account(s) is held.

    How do I get a death certificate?

    When someone dies, you’ll get a medical certificate which shows the cause of death. If you take this to a registrar of births, deaths and marriages, they'll give you a death certificate. You need this when you talk to many companies to prove someone has actually died. Ask for more than one copy of this because you'll have to show it a few times.

    Sometimes, the cause of death isn't known. If this is the case, the coroner will give you an interim certificate. It will confirm a death has happened and you can use it instead of a death certificate. 

Help with funeral bill payments

Once you have a death certificate our Specialist Bereavement Team can arrange payment of a funeral bill or other urgent expenses should you wish (Isle of Man and Guernsey customer only). 

Bereavement support guide

We know there’s a lot to process, so we've created a personal guide with more information on your next steps. We've broken down each step in more detail and given useful answers to other questions you may have. You'll find more on how we can help you, what to do with accounts and anything else you may need to do.