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What happens upon an account holder's death?

If a customer passes away, we need to be notified and require an original Death Certificate to update our records.

Once we have been notified, we will place restrictions to protect the account and send the executors all of the information they need.

The beneficiaries should bear in mind that all investments, with the exception of US shares, remain invested and can go down in value as well as up, so they may not get back as much as they originally inherit. US shares are automatically sold and the proceeds of the sale held as cash in the deceased's account. If you are concerned about stock market performance and wish to protect the account from a potential fall in value, or where funds are required to pay Inheritance Tax or funeral expenses, we may be able to help. Download and complete the Declaration and Indemnity form.

For more information, please view the Bereavement section online, or our Executors and Administrators Guide.