How to close a bank account without probate

Last reviewed June 2026 by Naomi Jackson

Short answer

Banks can release funds without seeing a grant of probate if the balance is below their internal threshold. The process takes a few weeks and uses a small estates indemnity.

Step 1, Inform the bank

Use the Death Notification Service (deathnotificationservice.co.uk) to inform many banks at once. Or call the bank's bereavement team. They'll freeze the account, stop new direct debits, and send you a list of what they need.

Step 2, Send documents

You'll typically need: original death certificate (most banks return it), photo ID for the executor or next of kin, and the bank's small estates indemnity form signed by all beneficiaries.

Step 3, Wait for release

The bank's bereavement team will review and release funds, usually within 10–28 working days. They'll close the account at the same time, transferring the balance to a beneficiary account.

Frequently asked questions

What's a small estates indemnity?

A form where you and the beneficiaries agree to indemnify the bank if it turns out they shouldn't have released the funds (e.g. if a will is later contested). It protects the bank from claims.

What if the account is in joint names?

Joint accounts usually pass to the surviving holder automatically. The bank just needs the death certificate and updates the account into the survivor's sole name within a few days.

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