How to Access Funds to Pay for a Funeral
What You Need to Know
Most banks will release funds from the deceased's account to pay funeral expenses before probate, typically up to £5,000, directly to the funeral director. You'll need the death certificate, funeral invoice, and ID. Government support is also available: Funeral Expenses Payment (up to £1,000 if you receive benefits, apply within 6 months) and Bereavement Support Payment for surviving spouses/civil partners.
Have more questions on UK death administration? Let Farra help.
Accessing Estate Funds
Accessing funds from the deceased's estate is an important part of how to arrange a funeral in the UK. Banks and building societies can release funds from the deceased's accounts to pay for funeral expenses before probate is granted. This helps families who can't afford to pay upfront.
Bank Release Process
Most banks will release funds directly to the funeral director upon receiving:
- Death certificate
- Itemized funeral invoice
- Completed bank forms
- ID of the person arranging the funeral
The money is paid directly to the funeral director, not to you personally.
Government Support
Financial support is available to help with the funeral arrangement process. The government offers several forms of assistance:
Funeral Expenses Payment
Up to £1,000 if you receive certain benefits. Apply through DWP within 6 months.
Bereavement Support Payment
Lump sum payment for surviving spouses/civil partners. Not means-tested.
Related Guides
Emergency Financial Help
Government support and benefits for funeral costs
Notifying Banks After Death
How to contact banks to release funeral funds
Closing a Deceased's Bank Account
Process for accessing and closing accounts
Debts After Death
Understanding estate debts and payment priority
When You Don't Need Probate
Accessing small estates without probate
Probate Threshold UK 2025
Check if probate is required for the estate
Applying for Probate
Full probate process for larger estates
What to Do When Someone Dies
First steps after a death including funeral planning
How to Arrange a Funeral UK
Complete guide to planning and paying for a funeral
How to Reduce Funeral Costs
Money-saving options when funeral costs are a concern
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What Benefits Stop When Someone Dies
Which benefits end immediately, what needs to be repaid, and how to notify DWP about a death.
Emergency Financial Help
Immediate financial support available after a death, from government schemes to charity assistance.