Life Moments

Coping with
bereavement

How to let us know about your bereavement

We know that coping with bereavement isn't easy and sorting out the financial affairs of someone you love can make it seem harder. We're here to help make things as easy as possible for you.

Accounts with Royal Bank of Scotland and other banks?

  • If the deceased also had accounts elsewhere, you may be able to notify all banks at the same time using the Death Notification Service (DNS)
  • Unless you are sure that they only banked with Royal Bank of Scotland, we would suggest you use the DNS process
  • Our branch staff will be able to help you complete the online form.

Accounts with Royal Bank of Scotland only?

  • If the deceased only had accounts with Royal Bank of Scotland, fill out the online form to let us know
  • Our branch staff will be able to help you complete the online form.

What to do when someone passes away

Our step by step guide will help you work through the things you need to do.

Our bereavement services

  1. 1

    What we can do for you

    We’ll freeze the deceased’s accounts to stop any payments going in or out, and set up an appointment for you to come see us in branch.  

    If the deceased had a joint account, we’ll transfer it to the name of the other person once we’ve seen the death certificate and completed a review of any joint facilities.

  2. 2

    What we need from you

    You’ll need to bring some important documents with you, such as:
     

    • Your proof of ID and address and/or the executor of the will

    • Full name and last known address details of the deceased

    • Their NatWest sort code and account number (we only need to see one, even if they had multiple accounts with us)

    • The original death certificate or coroner’s interim certificate (England and Wales) or abbreviated extract (Scotland)

    • The will (if there is one)

    Grant of representation (England and Wales) or Confirmation (Scotland), if appropriate

    • The final Funeral bill 

  3. 3

    Will you need an executor account?

    We can also help if you’d like to open an executor account to make and receive payments on behalf of the estate.

    We may also be able to pay for some funeral bills from the deceased’s account.

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    Need more information and support?

    Facing Bereavement can help with expert guidance when dealing with the loss of a loved one.

Dealing with the estate

Our Estate Administration Service is provided by Hugh James Solicitors, and is available for a fee. This service will take care of all the details for you, including: 

  • Giving you a dedicated case manager who will be your point of contact
  • Make sure the terms of the will are carried out efficiently
  • If there isn’t a will, they’ll make sure as the deceased’s assets are distributed correctly according to the law
  • Pay any inheritance tax that’s due and liaise with HM Revenue & Customs
  • Secure any property so that it meets the terms of any home insurance policies
  • If Royal Bank of Scotland has been appointed as executor of the will, you’ll need to get in touch with us so we can help
  • You can contact our Estate Administration Service on 0800 161 5903 or Minicom 0800 404 6161 (Monday to Friday 8am-6pm).

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