Relationship Managed Service
We combine modern banking with a long-standing tradition of exceptional service, offering you the flexibility and choices you need to manage your finances effectively.
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 in the Channel Islands or the Isle of Man, if you are located internationally or in the United Kingdom you can find out more information here.
Things to do first
We're by your side
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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/Internet Banking will be cancelled. Anyone can notify us of a death but to deal with accounts and products you will need to be:
- Next of Kin
- An Executor of the deceased’s will; or
- 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 641711 .
Lines are open 9am – 5pm, except UK bank holidays or email techbankingiom@lloydsbankinternational.com
Calls may be monitored and recorded.
How we deal with accounts, loans, credit cards and mortgages
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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(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.
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Sole Accounts
If there is an outstanding amount on a loan, we will contact you to discuss this further.
Joint Accounts
Responsibility for the repayments for a passes to the remaining account holder on the loan. The loan can also be paid off in full.
If further support is needed, speak to our Specialist Bereavement Team.
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Sole Accounts
If there is a credit card balance, the Credit Card Services team will contact you about this. If you are a named cardholder on the account, you won’t be able to use the connected card once we are notified about the death.
Joint Accounts
If there is a named cardholder on the account, they won’t be able to use the account.
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Sole Accounts
If the mortgage is held in a sole name, we won’t collect any further payments after we have been notified about the death. If you would like to keep the property, we can arrange an appointment with a Mortgage Arranger to talk about your options.
Joint Accounts
If the mortgage is held in joint names, the monthly payments will continue unless otherwise agreed. Should the person left on the account need to change or discuss the monthly payments, speak to one of our Mortgage Arrangers. Usually, the mortgage will transfer to the name of the remaining owner. Sometimes this is more complicated, if so, we’ll advise you on the next steps.
Mortgage payments remain due. But we appreciate some people find it hard to keep payments up to date, while trying to look after the Estate. If payments aren’t made, the account will fall into arrears and the amount owed will increase. This could affect your credit rating. We’ll let you know if your account is in arrears. If you’re struggling to pay, it’s important you speak to one of our Mortgage Arrangers.
You have the option to pay the mortgage off or you may wish to take out a new mortgage. You can speak to one of our Mortgage Arrangers to find out more.
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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 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
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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.
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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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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 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. -
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.