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When you've lost someone close to you, organising their finances will be the last thing on your mind. On this page you'll find all the helpful information you need to know, and the next steps you can take.

Your Next Steps

Step 1: How to let us know if you have lost someone

Please send the original or a copy of the death certificate to our Bereavement Service Centre at the following address:

Birmingham Midshires
PO Box 81
Pendeford Business Park
Wobaston Road

Step 2: What happens next

Documents needed

  • Death certificate
  • Grant of Probate
  • Identification may be needed in the future to release any funds

Once we receive the documents, we'll contact you with details about the account and how to pay the necessary bills (examples of this are the funeral bill or inheritance tax). We'll also send you a letter that gives information about the next steps and how to settle the estate.

For accounts held with us in the sole name of the person who died, we'll need to see the Grant of Probate before we can settle the estate if the value of the accounts is more than £50,000.00 if you are the next of kin.

If solicitors are dealing with the estate the grant of probate limit is £175,000.00.

Our dedicated bereavement team will look into your case on an individual basis. They'll keep in regular contact with you, so you are aware of the progress.

Step 3: How to get in touch with other banks

If you need to contact other banks about the bereavement, you can use the free Death Notification Service.

FSCS – protecting your money. Find out more here.

Gross rate means that we will not deduct tax automatically from your interest. You are responsible for paying any tax due to HM Revenue and Customs.

AER means Annual Equivalent Rate. AER illustrates what your interest rate would be if interest was paid and compounded each year and allows you to easily compare different offers.

Tax free is the contractual rate of interest payable where interest is exempt from income tax.

For telephone line opening times, please read the information in our contact section. Calls may be monitored and recorded for security and training purposes. If you're calling from outside the UK, please dial +441902 428 311.

© Birmingham Midshires
This site is intended for UK residents unless otherwise stated.
Birmingham Midshires is a division of Bank of Scotland plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628. Registered office: The Mound, Edinburgh EH1 1YZ. Registered in Scotland No. SC327000.
To contact the FCA Consumer helpline, please ring 0800 111 6768. Alternatively call the Money Advice Service on 0300 500 5000 or visit