The hidden struggles executors face with banks during probate
Settling a loved one’s estate is never easy. Executors take on the legal responsibility of managing the deceased’s financial affairs from closing bank accounts to distributing assets all while grieving. Unfortunately, a recent Which? report highlighted that many banks are making this process far more difficult than it needs to be. Timur Huseyin explains the impact for clients:
Inconsistent processes create uncertainty
Every bank seems to have its own probate rules, forms, and timelines. What one institution will release without a grant of probate, another will insist requires full legal documentation even for small balances. For executors handling multiple accounts, this inconsistency turns an already complex process into a logistical nightmare.
Paperwork Overload
Bureaucracy is a recurring complaint. 38% of people dealing with probate said they had to send the same documents often the death certificate to the same bank more than once. One executor even had to post the certificate to the same branch on three separate occasions.
Delays that stretch for months
Time is of the essence in probate, yet 46% of respondents reported that banks were “slow” or “very slow” to respond. One executor’s experience stands out: despite repeated follow-ups, it took over four months for a bank to close a single account.
Poor communication adds to the stress
Clear updates are essential when managing probate, but 30% of executors said they were not kept informed of progress. Many described being passed between departments without answers, often speaking to staff unfamiliar with probate requirements.
Limited digital support in a digital age
Despite advances in online banking, some institutions still require in-person visits or postal correspondence for probate matters. One executor was even told the bank’s probate team could only be contacted by letter no phone or email allowed.
The emotional toll
Beyond the administrative burden, these delays and inefficiencies take an emotional toll. Executors described feeling “drained” and “helpless,” with the drawn-out process prolonging the grieving period for families.
How we can help
If you’re acting as an executor, you don’t have to face these challenges alone. Our probate team provides clear guidance, practical support, and proactive communication to ensure that your loved one’s affairs are settled efficiently and with compassion.
If you would like any more information relating to this article please contact Timur Huseyin on 020 8221 8051 or at timur.huseyin@bowlinglaw.co.uk
This article is not intended to provide legal advice; it is intended to provide information of general interest about current legal issues.
