If you’re the surviving account holder, you can keep using the account as normal. We’ll always notify you if anything changes with the account.
Standing orders and Direct Debits
If the account is only in their name, we’ll stop all payments and send you a full list of what’s been cancelled. You can use this list to contact the companies if you need to set any payments up again.
If the account is in joint names, we’ll keep all regular payments as they are. Let us know if you want to stop any.
If the mortgage is in joint names, we'll usually transfer it and the payments to the other person named on the account.
If the mortgage was just in the deceased’s name, we won't take any payments for the first three months after you've reported the death. However, interest will continue to be added to the mortgage, so you might want to set up payments to stop any arrears on the account.
If you want to keep the property, we can arrange an appointment with a mortgage adviser to talk through your options.
Find out more information on accounts and mortgages in our Bereavement guide PDF (3.3MB).
Investments and shares
We’ll take you through what to do with their investments. Follow the steps outlined on our bereavement and investments page.
If a loan was in the deceased’s name only and there’s money in their bank accounts, we’ll go through the repayment options with you when you get in touch.
If a loan is in joint names, the other person named on the loan will need to continue with their monthly repayments.
If the loan is covered by insurance, we’ll let you know how to make a claim.
Credit card payments
If the deceased person owed money on any credit cards, there are three things we can do:
1. Money in their current or savings accounts can be used to pay the balance.
2. If their credit cards are covered by payment insurance, we can help you make a claim.
3. If neither of these are the right options for you, we’ll help you find a different way.
When the credit cards are repaid, we’ll close the account.
If there are other people named on the cardholder’s account, they won’t be able to use the credit card anymore.
You can find more information on loans and credit cards in our Bereavement guide.