What happens to a joint bank account?

It usually passes automatically to the surviving account holder, who can keep using it. You should still tell the bank so the account can be put into their sole name.

Can I use the account to pay for the funeral?

Often yes — many banks will release money directly to the funeral director from the deceased’s account, even before probate, on sight of the invoice.

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Guide

How to close a bank account when someone dies

Most UK banks have a dedicated bereavement team. The process is similar across banks — here’s what to expect and what they’ll ask for.

Step by step

Contact the bank’s bereavement team to register the death.
Send or show a certified copy of the death certificate.
The bank freezes sole accounts; joint accounts usually pass to the other holder.
Above the bank’s threshold you’ll need probate before they release funds.
Once settled, the account is closed and the balance paid to the estate.

What they’ll ask you for

A certified copy of the death certificate
The account details, if you have them
Proof of your identity and your role (executor or next of kin)

Good to know

Each bank sets its own threshold for needing probate — often somewhere between £5,000 and £50,000. Ask the bereavement team for their figure before applying for probate.

Common questions

What happens to a joint bank account?: It usually passes automatically to the surviving account holder, who can keep using it. You should still tell the bank so the account can be put into their sole name.
Can I use the account to pay for the funeral?: Often yes — many banks will release money directly to the funeral director from the deceased’s account, even before probate, on sight of the invoice.

General information to help you find your way — not legal or financial advice. Last reviewed June 2026.