Calling the bank
Word-for-word scripts for notifying banks of a death.
Every bank has a bereavement team. You do not need to explain yourself to a general operator. Ask to be transferred directly.
Opening the call
When they answer:
“Hello, I'm calling to notify you of the death of an account holder.”
“Their name is [full name]. Could you please transfer me to your bereavement or deceased estates team?”
Tap to select.
With the bereavement team
They will ask you questions. Here is what to expect:
“I'm calling about [full name], who passed away on [date].”
“I am their [relationship] and the [executor of the estate / next of kin].”
“I have a death certificate and can provide a copy.”
“Could you please freeze the accounts and let me know what steps are needed to access the funds or close the accounts?”
Tap to select.
- Have the death certificate number ready
- Have the account numbers if you know them (check old statements)
- Ask them to send you a written list of what they need
- Ask about any automatic payments or direct debits that should be redirected
- Ask if there are any linked accounts (credit cards, loans, term deposits)
If you don't know the account numbers
You can say:
“I don't have the account numbers with me. Is there a way to look them up using their name, date of birth, and the death certificate?”
Tap to select.
Most banks can locate accounts with the person's full name, date of birth, and last known address. They will not give you balances until you provide the required documents, but they can flag the accounts.
See all 27 guides in When someone dies →
From bluetulipco.com/library/after-death/script-calling-bank — printed 1 October 2026.
General information only — not a substitute for legal, medical, financial, or therapeutic advice. Read the full disclaimer.
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