Skip to main content

Help when someone dies

We understand that dealing with the finances of someone who has died can be overwhelming. That is why we make it a priority to provide extra support to those affected at this time.

We are here to talk things through and make everything as simple and straightforward as possible for you. We have included some useful information in our Bereavement guide Link opens in a new window, this provides useful information on how we can support you during this difficult time.

We also need to confirm the identity of the executor/administrator who will be dealing with the estate. The list of suitable identification can be found on our Confirmation of Identity form Link opens in a new window.

Appointing someone to manage your affairs

If you need help using your bank account, giving someone else access could be a good way forward.

There are a number of different options available, depending on how much control you want to give the other person. It’s important for you to take time to consider which one best suits your needs.

We know this might be an emotional or stressful time so we’ve tried to keep things as simple as we can. If you’ve got any questions, pop into your nearest Virgin Money Store or give us a call.

Help in the short term

If you’re not ready to give someone access to your account and only need help for a short time, you could:

Longer term help

If you need a bit more help, you could consider giving someone else access to your account. There are a number of ways you can do this:

If you allow another person to use your credit card, they’ll get a card and can spend on your account like you do.

  • It's simple to apply.
  • It's usually free.
  • You remain responsible for any outstanding balance.
  • The new user will be credit checked.

There are two ways you can do this:

1. ‘Either to sign’ joint account

Your joint account holder has near total control of the account:

  • It's simple to apply.
  • Both account holders have full access to the account.
  • Both account holders need to agree to close the account or stop joint access.

2. 'Both to sign' joint account

You keep some control, but all transactions need two signatures:

  • It's simple to set up.
  • You keep control, as both account holders need to sign for transactions or requests.
  • Using the account day-to-day might be more difficult in practice.

This is useful if you want someone else to access your account for a limited time.

  • It's simple and quick to apply.
  • It's usually free.
  • It gives someone else specific access to your account.
  • You can adjust it to suit your needs.
  • There are some restrictions - for example we can’t give permission to access your account online.

To give long term access to your account, you could consider registering a power of attorney Link opens in a new window. This is a legal document that lets someone else make decisions for you if you can't or don't want to.

  • They can deal with all your affairs or some.
  • You can cancel it at any time.

There are different types of power of attorney and it’s important you choose the one that best suits your needs. To find out more about the different types of power of attorney, please visit the Citizen’s Advice Bureau Link opens in a new window or the Office of the Public Guardian Link opens in a new window.

Your attorney can operate your account(s) in Store, by calling our contact centre, or by post. Unfortunately, we cannot offer them online access.

If you are a new customer, you’ll need to send us the original power of attorney document or a copy certified by a solicitor. We will also need to see ID for both you and the account holder (PDF, 127KB).

If you want to act on behalf of someone who is unable to make a decision for themselves, you can apply for a Court of Protection Link opens in a new window order. This is a legal court document letting someone else (called a deputy) make decisions for you. It is for people who have lost capacity with no lasting power of attorney arranged.

For help setting up any of these options or if you have any questions, pop into your nearest Virgin Money Store or give us a call.