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What happens when we are notified about the death of a customer?

So that you know what to expect, we've summarised what happens for each type of product or service held with us below.

If the person who passed away had investments with M&S Bank, these will be dealt with separately and the relevant teams will contact you to confirm the next steps.

Any sole accounts the deceased had are automatically frozen. This means:

  • no money can be taken out of the accounts (except for recurring subscriptions which the Executor will need to cancel)
  • we will continue to allow all credits into the accounts
  • by law, we must cancel any Direct Debits or standing orders on receipt of the death certificate – including utility bills, mortgage or loan payments

Alternative arrangements may need to be made to continue to pay any outgoings. We'll provide the personal representative with a full list of information to assist with this task. The only exception to this is home insurance, which we may continue to pay if the personal representative asks us to and credit funds are available.

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Notify us online

You can inform us of a bereavement online.

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Call us

0345 600 5860 or
+44 (0)1244 879080 from outside the UK

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Write to us

You can send your documents to us at:

M&S Bank
PO Box 329
Wymondham
NR18 8HA

Calls are recorded for our mutual security, training and monitoring purposes.

Set up digital banking for your credit card or Everyday Savings Account, and access your accounts safely and securely at your convenience.