First you need to register the death at the registry office.
Tell Us Once helps you report a death to most government organisations in one go. The registrar will tell you about it and there’s more information at www.gov.uk.
Next you’ll need to send us some paperwork. The faster you get it to us, the quicker we can help you.
The paperwork you need to send us depends on what savings account your loved one had. If you’re not sure or don't know how much money is in the account call us on 0345 604 2678. We won’t be able to tell you how much is in the account until we get the death certificate but we’ll help you fill in the right forms.
Whatever you’re sending to us, post it to:
Aldermore
Freepost RSAZ-AXXH-LHAX
PO Box 762
Wallsend
NE28 5DH
You don’t need a stamp and once we’ve got the paperwork you’ll hear from us in about five working days.
Send us the original or a copy of the death certificate.
We’ll change the account to your name only and let you know when this is done.
We’ll need the details of all the personal representatives for the estate, so please let us know these as soon as you can. This information will only be used to enable us to carry out your instructions for the account and to comply with our legal obligations. You can find out more about how we use personal data in our privacy policy.
If you’d like to keep the account open and transfer into someone else’s name, call us on 0345 604 2678. Or you can close it by sending us some paperwork.
If the balance on all their Aldermore accounts is less than £20,000 we’ll need these documents to close the account. You can download the forms you need here.
If the balance on all their Aldermore accounts is more than £20,000 we’ll need these documents to close the account. You can download the forms you need here.
We’ll send the beneficiary the balance by cheque.
If they died after 6 April 2018 you can leave their ISA open for up to three years. You can’t add more money in but you will still get the tax advantage. You can’t transfer it to another ISA manager during that time. After three years you’ll have to close the account or transfer to a non-ISA Easy Access Account.
If you were married or in a civil partnership when your spouse or partner died you’ll get an extra ISA allowance, to the same value of their ISA when they died. This is called the Additional Permitted Subscription (APS) allowance. So if your spouse dies with an ISA balance of £25,000 you can put that amount into an ISA on top of the amount you are normally allowed in any year.
You can choose an ISA with Aldermore or another provider who has accounts for Additional Permitted Subscriptions. Call us on 0345 604 2678 and we’ll send you the forms you need.
Death certificate – when someone dies, you’ll need to register the death at a registry office. The death will be recorded by a registrar and they’ll issue a document called a death certificate. When you register the death it might be helpful to get copies of the death certificate, as you might need several of these for different organisations.
Personal Representative - this is the executor or administrator who will deal with your loved one's money and property (their estate).
Executor - this is a person or persons named in the Will to deal with the estate.
Administrator/Executor-dative – this is a person or persons appointed when either no Will can be found or there is no executor to carry out the intentions of the Will.
Grant of Probate/Confirmation – after someone dies, depending on the value of your loved one’s property, money and possessions, you may need to apply for a legal right to deal with their estate. If your loved one left a Will, then you’ll get a grant of probate or confirmation. If they didn’t leave a Will, then in England and Wales you’ll get Letters of Administration.
You can use money from your loved one’s account to help with funeral costs.
All you need to do is:
We’ll then send a cheque to the funeral director shown on the invoice. If you need the full balance of the account for the funeral we’ll close the account too.
You can use money from your loved one’s account to help with inheritance tax.
All you need to do is:
You can find out more about paying Inheritance Tax and the documents you’ll need at gov.uk/paying-inheritance-tax.
When we receive your documents, we’ll process an electronic payment of funds directly to HMRC on your behalf. If you need the full balance of the account for Inheritance Tax we’ll close the account too.
You can call us on 0345 604 2678.
We’re open:
8am to 8pm Monday to Thursday
8am to 6.30pm on Friday
9am to 5pm on Saturday
10am to 4pm on Sunday
You can also find useful information at:
Age UK – www.ageuk.org.uk
Citizens Advice Bureau – www.citizensadvice.org.uk
The Probate Service – www.theprobateservice.org