Planning

Dealing with bereavement

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If you have just lost someone you love, we’re here to offer expert guidance on everything from registering the death to dealing with the estate

First steps

First steps

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What to do when a loved one dies

The first steps you need to take when someone dies, from registering the death to arranging a funeral

article

Letting organisations know

A list of who else you need to contact when a loved one dies

video

Meet the bereavement support team

Meet our bereavement support team and find out how we can help following the death of a loved one.

article

Further support

Links to other useful organisations for information and guidance to bereavement

Four steps to dealing with the accounts

1 Contact us

1 - Contact us

Get in touch as soon as you can, following the death of a loved one, and we’ll start sorting out their HSBC accounts.

Call us

Call our Bereavement Support team on 0800 085 1992 or +44 (0)114 252 0249 if you’re calling from outside the UK

Lines are open 8.30am to 6pm Monday to Friday and 9am to 2pm Saturdays (excluding Bank Holidays)

Visit us in person

Come into your local HSBC branch and our professional and helpful staff will get in touch with the Bereavement Support team for you

Write to us

Post the original key documents listed in step 3 to:
District Service Centre
HSBC Bank plc
Harry Weston Road
Binley
Coventry CV3 2TQ

2 Notification

2 - Notification

As soon as we are notified we will do the following:

Sole Accounts

We will freeze any sole accounts that the deceased person had with us: This means:

  • No further money can be withdrawn
  • All Direct Debits and standing orders are cancelled (the only exception is home insurance as we may continue to pay this if the personal representative asks us to and funds are available)
  • Money can continue to come in from certain sources such as HSBC interest payments or share dividends
  • All Credit cards and debit cards are cancelled
  • All tax-free benefits for ISAs and other tax-free products will stop
  • If credit monies are available, we may be able to bay this towards the cost of the funeral of Inheritance tax. Please ask the bereavement team for more information.

Please note, we'll send the full list of standing orders and Direct Debits to the personal representative as they'll need to contact each provider to notify them of the death.

Joint accounts

The account will continue to operate as normal. Once we have seen the death certificate, we will transfer the account into the joint holder's name, keeping the same account number.

What happens to the HSBC accounts in debt?

If the deceased person held any other HSBC products, we will ensure the notification of their death is passed on to the necessary teams: you only need to inform us once.

For a brief summary of what happens for all accounts and products click here.

3 Provide documents and complete paperwork

3 - Provide documents and complete paperwork

Once you've notified us of the death, we will write to you to confirm the next steps you need to take, including any documents and completed forms you will need to provide.

If the total value of funds held by HSBC is below £20,000, we may be able to release this without the need for Probate. The bereavement support team will let you know if Probate is required.

The core documents you will need to bring into your local branch or post to the address in Step 1 are:

  • The original death certificate or the coroner's certificate
  • An original or solicitor's certified copy of the will, if there is one
  • We will need to see one form of identification and one form of address verification, for each personal representative. We do not accept online bills or statements.
  • Account closure forms signed by all the personal representatives

If the deceased customer lived outside of England and Wales, other Inheritance laws may apply. In these instances, we will also need to see the appropriate Court issued Inheritance documents that apply. In some instances you will also need to have these verified or resealed by the Probate Court of England and Wales. If you need any information about this please contact the bereavement support team.

Please remember to provide original documents and forms.

Dealing with other HSBC products

If the person who has died had a mortgage, pension, investments or life insurance with HSBC, these will be dealt with separately and our specialist teams will contact you to confirm the next steps. For more information on these products click here.

4 Account Closure

4 - Account Closure

When asking us to either close the account or pay any bills please provide us with the appropriate bank details as we prefer to make any payments by electronic payment transfer, as this is much quicker and safer.

Once we've received all the necessary documentation and paperwork, we will aim to release the funds from current and savings accounts in 10 working days.

For HSBC mortgages, pensions, investments and life insurance, the timescales can vary and our individual product teams will be able to advise you of these.

Where there are no credit monies held by HSBC the Bereavement support team will provide separate details of how the accounts can be closed.

What Happens to HSBC accounts in debt?

How HSBC can help

How to notify HSBC

Please call our Bereavement Support team on 0800 085 1992*

If you're calling from outside the UK, dial +44 (0)114 252 0249*

Alternatively, visit any HSBC branch

Bereavement Support team

Get practical support from our dedicated team at this difficult time.

  • We'll begin closing your loved one's HSBC accounts
  • We'll tell you about financial and legal issues you may need to deal with

Call 0800 085 1992* for more

Estate Administration Service

Ask for our professional help in dealing with your loved one's estate.

  • Our experienced team can take care of everything for you
  • Our dedicated relationship manager will give you regular updates
  • Fees are applicable

Call 0845 850 0088* for more

Executor's Administration Account

Open a dedicated account to make things easier if you choose to deal with the estate yourself.

  • Keep the estate money separate from your own
  • Receive statements so you can keep track of transactions

Call 0800 085 1992* for more

Dealing with
the estate

Dealing with the estate

article

Taking care of a deceased person's estate

A guide to administering the estate of a deceased person and how to get help from HSBC.

article

Understanding probate and inheritance tax

Find out if you need to apply for probate. Learn about the basics of inheritance tax

tool

If there is no will

Find out how the estate is distributed using the laws of intestacy

video

Meet the bereavement support team

Meet our bereavement support team and find out how we can help following the death of a loved one.

article

Further support

Links to other useful organisations for information and guidance to bereavement

Four steps to dealing with the accounts

1 Contact us

1 - Contact us

Get in touch as soon as you can, following the death of a loved one, and we’ll start sorting out their HSBC accounts.

Call us

Call our Bereavement Support team on 0800 085 1992 or +44 (0)114 252 0249 if you’re calling from outside the UK

Lines are open 8.30am to 6pm Monday to Friday and 9am to 2pm Saturdays (excluding Bank Holidays)

Visit us in person

Come into your local HSBC branch and our professional and helpful staff will get in touch with the Bereavement Support team for you

Write to us

Post the original key documents listed in step 3 to:
District Service Centre
HSBC Bank plc
Harry Weston Road
Binley
Coventry CV3 2TQ

2 Notification

2 - Notification

As soon as we are notified we will do the following:

Sole Accounts

We will freeze any sole accounts that the deceased person had with us: This means:

  • No further money can be withdrawn
  • All Direct Debits and standing orders are cancelled (the only exception is home insurance as we may continue to pay this if the personal representative asks us to and funds are available)
  • Money can continue to come in from certain sources such as HSBC interest payments or share dividends
  • All Credit cards and debit cards are cancelled
  • All tax-free benefits for ISAs and other tax-free products will stop
  • If credit monies are available, we may be able to bay this towards the cost of the funeral of Inheritance tax. Please ask the bereavement team for more information.

Please note, we'll send the full list of standing orders and Direct Debits to the personal representative as they'll need to contact each provider to notify them of the death.

Joint accounts

The account will continue to operate as normal. Once we have seen the death certificate, we will transfer the account into the joint holder’s name, keeping the same account number.

What happens to the HSBC accounts in debt?

If the deceased person held any other HSBC products, we will ensure the notification of their death is passed on to the necessary teams: you only need to inform us once.

For a brief summary of what happens for all accounts and products click here.

3 Provide documents and complete paperwork

3 - Provide documents and complete paperwork

Once you've notified us of the death, we will write to you to confirm the next steps you need to take, including any documents and completed forms you will need to provide.

If the total value of funds held by HSBC is below £20,000, we may be able to release this without the need for Probate. The bereavement support team will let you know if Probate is required.

The core documents you will need to bring into your local branch or post to the address in Step 1 are:

  • The original death certificate or the coroner's certificate
  • An original or solicitor's certified copy of the will, if there is one
  • We will need to see one form of identification and one form of address verification, for each personal representative. We do not accept online bills or statements.
  • Account closure forms signed by all the personal representatives

If the deceased customer lived outside of England and Wales, other Inheritance laws may apply. In these instances, we will also need to see the appropriate Court issued Inheritance documents that apply. In some instances you will also need to have these verified or resealed by the Probate Court of England and Wales. If you need any information about this please contact the bereavement support team.

Please remember to provide original documents and forms.

Dealing with other HSBC products

If the person who has died had a mortgage, pension, investments or life insurance with HSBC, these will be dealt with separately and our specialist teams will contact you to confirm the next steps. For more information on these products click here.

4 Account Closure

4 - Account Closure

When asking us to either close the account or pay any bills please provide us with the appropriate bank details as we prefer to make any payments by electronic payment transfer, as this is much quicker and safer.

Once we've received all the necessary documentation and paperwork, we will aim to release the funds from current and savings accounts in 10 working days.

For HSBC mortgages, pensions, investments and life insurance, the timescales can vary and our individual product teams will be able to advise you of these.

Where there are no credit monies held by HSBC the Bereavement support team will provide separate details of how the accounts can be closed.

What Happens to HSBC accounts in debt?

How HSBC can help

How to notify HSBC

Please call our Bereavement Support team on 0800 085 1992*

If you're calling from outside the UK, dial +44 (0)114 252 0249*

Alternatively, visit any HSBC branch

Bereavement Support team

Get practical support from our dedicated team at this difficult time.

  • We'll begin closing your loved one's HSBC accounts
  • We'll tell you about financial and legal issues you may need to deal with

Call 0800 085 1992* for more

Estate Administration Service

Ask for our professional help in dealing with your loved one's estate.

  • Our experienced team can take care of everything for you
  • Our dedicated relationship manager will give you regular updates
  • Fees are applicable

Call 0845 850 0088* for more

Executor's Administration Account

Open a dedicated account to make things easier if you choose to deal with the estate yourself.

  • Keep the estate money separate from your own
  • Receive statements so you can keep track of transactions

Call 0800 085 1992* for more

Other things to consider

Other things to consider

article

Financial considerations following a bereavement

Assessing your own financial affairs after the death of a loved one

article

Further support

Links to other useful organisations for information and guidance to bereavement

How HSBC can help

Writing a will

Make sure your assets go to the loved ones you wish if anything happens to you.

  • Don't let the law supersede your wishes
  • Help minimise inheritance tax
Find out more
Financial planning

Benefit from financial advice that's tailored to your individual needs and aspirations.

  • Get expert advice on the money inherited from the estate
  • Protect yourself and your family from unexpected events
Find out more
Life, Critical Illness and Income Cover

Protect yourself and your family financially for the unexpected.

Tailor your protection package from:

  • Life cover
  • Income cover
  • Critical illness cover
Find out more
Savings

Open a savings account that could take good care of your inheritance.

  • Choose from our range of fixed and instant access products
  • Use your personal ISA allowance with a Cash ISA
Find out more

Everyone's circumstances are different and what applies to one person may not be right for someone else. The suggestions above are based on a general assumption of each circumstance and they are not intended to provide advice or recommendation.

* Lines are open 8am to 6pm, Monday to Friday and Saturdays 9am to 2pm (excluding public holidays).
To help us continue our service, and in the interest of security, we may monitor and/or record your call.