Probate thresholds


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 thresholds

  • 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.


Premium bonds


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.