Dealing with bereavement

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Arranging the funeral

Once the death has been registered, you can arrange a funeral. You may already know what sort of funeral the person wanted, or there may be instructions in the will or other papers. Most people choose to use a funeral director who will help you make all the necessary arrangements.

There are organisations that have codes of practice to protect you and can supply details of the facilities in your area, links for their web pages can be found at the bottom of this page.

One important decision is how much to spend. Funerals can be expensive, and may need to be paid for immediately unless a prepaid funeral plan exists; it's worth checking how much money is available to pay for it.

Paying for the funeral

It is possible for the funeral bill to be paid, direct from the deceased's estate. You should check with us or their other bank if they have one, to see if money can be released to pay for the funeral.

At HSBC, provided money is available, we'll be able to release funds for the following:

  • Full or part payment of the main funeral bill and associated costs
  • Flowers for the funeral
  • The wake
  • Repatriation of the deceased to the UK (if insurance is not held).

On receipt of the original invoice we'll make payment direct to the funeral directors. We can't accept estimates to settle the bill in full. However, we can accept the funeral director's estimate if a deposit is requested to be paid prior to the funeral taking place.

Wherever possible we require the funeral director's bank account details to process the payment more quickly. For more information or guidance, please contact the Bereavement Support Team on: 0345 850 0088

Further support

Useful links

In some cases the government can provide aid to pay for the funeral. For more information or to find out if you are eligible please visit the government web pages which can be found below.


Letting us know

Call us

0800 085 1992*

or +44 (0)114 252 0249 if you're calling from outside the UK.

Notify online

You can inform us of a bereavement online

Notify now

General enquiries

0345 850 0088

Find your nearest branch

Find branch

Write to us

You can send documents to:

District Service Centre
HSBC Bank plc
Harry Weston Road
Binley
Coventry
CV3 2TQ

Bereavement guide

Download now

* Lines are open 8:30am to 6pm, Monday to Friday and Saturdays 9am to 2pm (excluding public holidays).

Our top 5 FAQs

  1. What documentation do you need in order to close the accounts?
    What documentation do you need in order to close the accounts?

    We will need to see the following original documents:

    • Death certificate
    • Will (if one exists)
    • Grant of Probate/Letters of Administration (if applicable)
    • ID&VA for any Personal Representatives who are not HSBC customers – please see Help Us Identify You for a complete list of acceptable documents.

    We will also require a completed Payment Authorisation Form or forms signed by all the Personal Representatives.

  2. How long will it take to release the balance?
    How long will it take to release the balance?

    Once we have received the correct documentation, where there is only current and savings accounts, we will combine all the balances and release the funds within ten working days. Where there are other products, this may take longer and we will advise you of this separately within a letter of the balances held at date of death.

    If we are aware that a dispute exists over the estate, we will not be able to release the funds until we have seen the Grant of Probate or Letters of Administration.

  3. Can I pay the funeral bill from the deceased’s account?
    Can I pay the funeral bill from the deceased’s account?

    Yes. We will be able to pay the funeral bill for you once we have seen the death certificate and you provide us the funeral bill.

    If the bill is an estimate, we will be able to pay the deposit once we have seen the death certificate.

    If you have already paid the funeral bill from your own account, we may be able to reimburse you once we have seen the death certificate, the funeral bill and proof of payment.

    If sufficient funds are not available, we can make a partial payment, to the value of the funds held, with written confirmation from the Personal Representative(s).

  4. I am a Personal Representative, what proof of identity and address do you need from me?
    I am a Personal Representative, what proof of identity and address do you need from me?

    For a complete list of the acceptable documents as proof of identity and confirmation of address please see Help Us Identify You.

  5. Will credits still be accepted into a sole account?
    Will credits still be accepted into a sole account?

    Yes. We are able to continue to receive credits into an account after we have been notified of the death. Please bear in mind, some credits may be re-claimed, e.g. state pension.