Bereavement FAQs

Once we are informed of a customer’s death, all Allied Irish Bank (GB) credit cards held in the name of the deceased will be cancelled. Any outstanding debit balances will be cleared or part cleared from any money held in account(s) in the sole name of the deceased. Any outstanding balance will need to be settled from the Estate of the deceased. If the credit card was a joint credit card, the survivor(s) is liable for any outstanding balance.

It is important that we are informed of the death of a mortgage holder as early as possible. The mortgage will need to continue to be paid until it can be cleared from a life assurance policy for example if one was taken out in conjunction with the mortgage. Interest will continue to be added to the mortgage account until the balance is cleared in full.

Alternatively, you or the representatives of the deceased’s Estate, such as a solicitor, can apply to postpone mortgage repayments for an initial period of 6 months. This will allow time for the life assurance claim to be finalised (if relevant) and for the outstanding balance to be cleared. If there is no life assurance policy in place then, the mortgage repayments must continue to be made until the mortgage is repaid in full.

If at any stage you feel you are unable to meet your regular mortgage repayments, contact Financial Solutions Group on 02890 821682 and they will discuss the options available to you.

Once we are notified of a person’s death their sole account(s) are frozen and all direct debits and standing orders will be stopped If there are utility bills or other payments that you wish to continue, you will need to contact the relevant standing order beneficiary and/or Direct Debit Originators.

If it is a joint account, we can provide you with a full list of Standing Orders and Direct Debits and agree with you which of these should be cancelled.

For any personal loans held by the deceased (sole or joint), interest will continue to be added to the loan account until the balance is cleared in full. To reduce the amount of interest added to the loan account balance, we will utilise any credit funds in sole account(s) held by the deceased to clear (or part clear) any loan(s) held in their sole name.

It is normal practice for a final statement to be sent following the closure of the deceased’s bank accounts. However, if you subsequently receive any mail in the deceased’s name, please contact 0345 6005 925 immediately to avoid any unnecessary distress

A Lasting Power of Attorney and Enduring Power of Attorney are no longer valid after the donor has passed away. If you were appointed as an attorney to take control of the financial affairs of a Bank customer you will no longer have access to the customer’s account(s) after their death.