What happens is I have a joint account with someone who has died?

If a person is a joint owner of a bank or building society account with the person who has died, then from the time of the death the joint holder automatically owns the money in the account. The account is not “frozen” after the death and they do not need a grant of probate or any authority from the personal representatives to access it. You should, however, tell the bank about the death of the other account holder.

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