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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See bank-by-bank instructionsMore guides in this series
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The realistic shape of UK death admin: how many organisations get told, what each step takes, where people get stuck, and the order that works best.
Related guides
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What it means, when you need it, what it costs and how to apply yourself.
What to do when someone dies
The full UK checklist, from the first 24 hours through probate.
Death admin checklist
A week-by-week task list. Printable PDF available.
Tell Us Once explained
How the free government service notifies HMRC, DWP and your council in one go.
Closing accounts after death
Step-by-step for banks, utilities, pensions and subscriptions.
Bereavement financial help
Benefits and grants you may be entitled to claim.
Probate explained
When you need it, what it costs, and whether you need a solicitor.
Arranging a funeral
Every option and what it costs, and how to choose a funeral director.
Prepare your probate application
Gather the estate details, check what you need and build a pack before you apply yourself.
Funeral cost calculator
Estimate a funeral for your area and the choices you are making.
