Bereavement

Bereavement

What to do after a loved one dies

It’s never easy when a loved one dies and your emotions are often heightened with grief, so getting their affairs in order may be the last thing on your mind. That’s why we want to make it as easy for you as possible with a step-by-step guide on what to do next, including dealing with their finances.

1. Register the death

A death needs to be registered within five days throughout most of the UK, except Scotland where you have eight days. To receive the death certificate quickly, it’s advised to register the death in the local area in which the person died.

You can find the local registry office on the gov.uk website, as well as any documents you’ll need to take. Once you receive the death certificate, it’s advised to pay for extras as most organisations will require a copy of it before they can make amendments to the deceased’s account.

2. The will

If you are the executor of the will, it is your responsibility to carry out the deceased wishes. However, if there isn’t a will, the next of kin will automatically be given the responsibility.

3. Arrange the funeral

Depending on your situation, you could receive help from the government to cover funeral costs. Check to see if you’re eligible here. It is also advised to call their bank to see if you can gain access to their account to help pay for the funeral costs too.

4. Contact other organisations

You may need to inform other organisations of the death, including building societies, utility companies, internet and phone provider, etc. so that they can get the deceased’s account in order and potentially cancel any subscriptions or outstanding payments.

For any government organisations, you can use the government’s Tell us once service which will inform most of their departments. All you will have to do is fill out an online form.

5. Manage the estate

If you need to apply for the right to distribute the assets of their estate, this is called applying for Probate. However, if there is no will, then this is called Letters of Administration, or Certificate of Confirmation in Scotland.

Bereavement and their thinkmoney account

Managing the deceased’s finances can be stressful and confusing, particularly during this tough and emotional time, that’s why we’re here to help.

If a loved one has passed away and they had a thinkmoney account, please call our specialist team on 0161 871 4874. We will provide the help and support you need and inform you of all your options on what to do next to manage the account, including getting access to the money and closing the account.

Emotional support

There are many organisations that can provide help and support through this difficult time. Whether you need advice on what to do or just need someone to talk to for emotional support, here are just a few of the many services you can call.

Age UK – call 020 7278 1114 for advice for over 50’s.

Bereavement Advice Centre – call 0800 634 9494 for free advice.

Samaritans – call 116 123 for 24/7 confidential support.

Need some help?

We’re happy to support you with any issue that might be impacting your finances. Contact our specialist team on 0161 779 5000.

Opening times:

Monday - Thursday: 8:00am - 8:00pm

Friday: 8:00am - 6:30pm

Saturday: 8:00am - 4:30pm

Need some help?

We’re happy to support you with any issue that might be impacting your finances. Contact our specialist team on 0161 779 5000.

Opening times:

Monday - Thursday: 8:00am - 8:00pm

Friday: 8:00am - 6:30pm

Saturday: 8:00am - 4:30pm

How the thinkmoney app can help reduce the strain on your mental health

Queuing in branches and inconvenient opening times aren’t our thing either. The thinkmoney app is here to help you manage your money well, even when life gets in the way. With 24/7 access to your account via the app, you can:

  • Send money in seconds
  • Check your balance on the go
  • Secure Face/Touch recognition
  • Manage Direct Debits
  • Manage standing orders
  • Freeze your card

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