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Financial and emotional support

Life after loss

We’ll give you practical help to get you through the first weeks and months following a bereavement, and tell you about free services that can help you cope with your loss.

Funeral costs

You can use any money remaining in the deceased’s account to cover funeral costs. You’ll need to show us a certified copy of the death certificate, an estimated invoice or the full balance from an itemised invoice on the funeral director’s headed paper. We can release this money before closing the account.

Take the invoice to a branch or send it to us, including your personal reference number beginning with BRV, and we’ll transfer money or send a cheque to the funeral director.

We can reimburse you for any funeral payments you’ve already made – just show us the final invoice and a receipt confirming payment.

If there isn’t enough money in the deceased’s account to cover the funeral cost, help might be available from the government – find out if you’re eligible.

Other costs

Please contact us on 0800 068 22381(option 2) to discuss any urgent costs you need to pay. You’ll need your personal reference number beginning with BRV.

Inheritance Tax

Depending on the value of the estate and who it is left to, Inheritance Tax might need to be paid. There are certain exemptions for money and assets passing to a spouse, civil partner or charity.

Executor accounts

An Executor’s account enables the estate’s executors to gather all the finances from the deceased in one place.

If you’d like to open one, please book an appointment at one of our branches – you’ll need to take proof of your ID, such as a passport or driving licence, and proof of your address.

If you’d like to speak to someone about an existing Executor’s account, please contact us on 0800 068 22381(option 6).

What to do when money is owed

If the deceased has any loans, overdrafts or a Barclaycard with us, we’ll recover what they owe from their current account before releasing any remaining money to the executor or administrator.

If there isn’t enough money in the account to pay off everything the deceased owes, we may ask our bereavement partner, Philips & Cohen, to add the debt to the deceased’s estate. Phillips & Cohen is the UK’s only dedicated deceased account management business, offering support and guidance to help resolve outstanding accounts.

If you’ve any questions about this, please contact our bereavement team on 0800 068 22381(option 2).

Useful links for further information and guidance

Age UK provides information and advice for people over 50 on 020 7278 1114.

Bereavement Advice Centre supports and advises people on what they need to do after a death – call free on 0800 634 9494.

Citizens Advice offers free, independent, confidential and impartial advice on your rights and responsibilities.

Cruse Bereavement Care has a free helpline for coping with grief – call 0808 808 1677.

Money Advice Service gives free advice on managing your money on 0800 138 7777.

Money management is our guide to helping you make informed decisions about your finances.

Samaritans provides confidential, non-judgemental support all day, every day, on 116 123.

You can also download our bereavement guide, which sets out things to think about in the days, weeks and months to come.

The next steps

Definition of terms

Jargon buster

Check our glossary for an explanation of any legal terms you’re unfamiliar with.

Bereavement

How we can help and support you

Dealing with the financial affairs of someone close to you when you’re grieving is never easy. We hope our guide will help you through this difficult time.