A lot of companies will want to see confirmation regardless of the value of the account or asset, but some companies have a ‘probate threshold’. This means they are willing to release money or give control of an asset, up to a certain value, to the executors without needing to see grant of confirmation (probate).
A lot of companies will have a “small estates” procedure that is far more straightforward than getting confirmation. If you only need to get a grant for one or two companies, you could try and persuade them to make an exception for you.
- Bank of Scotland/Halifax/Lloyds up to £50,000
- Santander up to £50,000
- Barclays up to £50,000
- Nationwide up to £50,000
- RBS/NatWest up to £25,000
- TSB up to £25,000
- HSBC decided on a case by case basis
- M&S Bank decided on a case by case basis
- First Direct decided on a case by case basis
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Share registrar thresholds
These share registrars manage the majority of the bigger companies’ shares in the UK. Here are their respective thresholds:
- Equiniti up to £10,000 per shareholding*
- Link Asset Service (formally Capita) up to £20,000 per shareholding*
- Computershare up to £20,000 per shareholding*
*This threshold takes into account any outstanding dividends.
National Savings & Investments (NS&I) will allow you to sell premium bonds with a value of up to £5,000. Anything over this amount and they will want to see confirmation (ANCHOR-glossary). Premium bonds cannot be sold.