You don’t have to manage it all at once, and support is available to help you through the steps you need to take.
Start by contacting the person’s bank manager or local branch and letting them know what has happened. They’ll ask to see a death certificate. In most cases, an interim death certificate is enough while the coroner’s inquiry is still underway.
What happens to the person’s accounts
Once the bank is officially notified of a customer’s death, their individual accounts are usually frozen. This is a legal requirement to protect the person’s estate. The bank will explain what this means, and how funds may eventually be released.
To access money from the estate or manage any remaining accounts, the bank may need:
- A grant of probate (if the person had a will), or
- Letters of Administration (if they didn’t leave a will).
Your lawyer or a trustee company can guide you through this process.
Joint accounts
If the person had a joint account or accounts with a survivorship clause (a common practice), the surviving account holder may continue to use the account as usual. If you shared a bank account with the person who died, the bank may suggest opening a new account in your name, and they can help with that when you're ready.
This process can stir up unexpected emotions, especially when making financial calls or signing documents. Go at your own pace and bring someone with you for support if it helps.
Finding financial assistance
After losing someone close to suspected suicide, life can change suddenly and in many ways – especially if they were your partner, caregiver or main income earner. On top of the grief, you may be facing unexpected financial stress. Financial conversations can feel particularly difficult during grief, when you're just trying to get through each day. Don’t hesitate to ask for help from a trusted support person or social worker who can assist with forms or speak with agencies on your behalf.
Support from Work and Income
Work and Income may be able to help with:
- Ongoing income support (if your financial situation has changed)
- Assistance with finding work (if you're ready and looking)
- Help with funeral costs (depending on your circumstances).
You can get in touch with them by:
- Calling 0800 559 009
- Visiting your local Work and Income office
- Visiting the website.
If you're already receiving support, you can also call them to update your situation or ask questions about your entitlements.
Support from ACC
In some situations, ACC may also be able to help with funeral-related costs. This depends on the circumstances of the death. A funeral director or your GP may be able to guide you through the application process, or you can contact ACC directly to ask what you may be eligible for.