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 passed away.

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. 

Things to do first

Register the death

To do this, you will need to:

  • Get a medical certificate from the hospital, GP or coroner
  • Register the death at your local Register Office.

Once registered, you'll receive a death certificate which companies may ask to see. We recommend getting more than one copy.

Locate the will

This will help with what you need to do next. 

It may have details about the funeral and will name the executor(s).

Don’t worry if there’s no will in place – you can still get in touch.

Other things you may need to do

  • Find out what accounts or products they have
  • Find out what possessions they own
  • Value the estate
  • Make sure any property is secure
  • Find out if you need to apply for probate.

Once you’ve registered the death, you’ll receive the death certificate. If you don’t yet have this, we can still help you. Our specialist bereavement team can help guide you through what you need to do.

01624 641 711 Lines are open 9am–5pm (UK time), Monday to Friday except UK bank holidays. Telephone calls may be recorded and monitored or email us at techbankingiom@lloydsbankinternational.com.

We're by your side

Let us know once, we'll do the rest

The person who has passed may have accounts or products you didn’t know about. These could be current accounts, savings accounts, mortgages, loans, insurance and others.

We’re part of a wider Group so if they have accounts and products with any of the brands shown below, we’ll let them know once you’ve contacted us.

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

There are still other companies that are part of our wider group that you’ll need to contact separately:

Black Horse Offshore
+44 344 824 888 (Telephone calls may be recorded and monitored).

Share Dealing
Please contact the relevant registrars who will advise you of their bereavement process.

We can help you pay

Bills

Some other bills can also be paid if there is enough money available, including probate fees and Inheritance Tax, when you provide the bill. 

For accounts based in Jersey, paying other bills is not possible.

What you need to provide

We'll guide you through it.

How we deal with payments, statements and letters

  • Sole Accounts

    We’ll stop all standing orders and direct debit payments. We can give you a list of payments from the account(s), this 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.

  • 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 six 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. 

Frequently asked questions

  • No, you don’t. For most people, we can handle the process on the phone or by 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.

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

  • 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.

Further support