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Aldermore Bank is a specialist savings and lending bank that applies a probate threshold of approximately £15,000 for its savings accounts. Below this amount, Aldermore will generally deal with the estate without requiring the executor to obtain a full grant of probate. Above £15,000, a grant of probate or letters of administration is required before any funds can be released.
Aldermore Bank applies a probate threshold of approximately £15,000 across all savings accounts held with them by the deceased. Where the total balance is below this amount, Aldermore can deal with the estate using a small-estate indemnity — releasing funds without requiring the full grant of probate.
Aldermore primarily offers savings accounts, mortgages, and business finance products. For estate administration purposes, the most common scenario involves one or more savings accounts. For a broader view of how UK probate thresholds compare, see our guide to the 2026–27 UK probate threshold.
If you are uncertain whether probate is required for the estate at all, our guide on when you don't need probate explains the circumstances in which it can be avoided.
For estates below £15,000:
For estates above £15,000:
Our guide to documents needed for probate and the estate administration checklist will help you stay organised across multiple institutions.
Aldermore Bank can be contacted through the following channels:
Aldermore will freeze accounts upon receiving notification. For guidance on notifying multiple institutions, see our guide on notifying banks after a death.
As of 2026, Aldermore Bank does not participate in the Death Notification Service (DNS). You will need to contact Aldermore directly and separately from any DNS submissions you make for other institutions. Aldermore is also not covered by the government's Tell Us Once service.
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Aldermore Bank does not currently participate in the Direct Payment Scheme (DPS). If the estate has an inheritance tax liability, the executor will need to fund the IHT payment from other sources before applying for probate. Our guide on probate delays and IHT interest covers the risks of late payment, and our 2026–27 inheritance tax guide sets out the current rates and allowances.
For estates below the £15,000 threshold, Aldermore typically processes claims within two to four weeks of receiving the required documents. For larger estates requiring probate, processing begins once the sealed grant is received — adding the typical three to six months to obtain probate gives you the full timeline.
Our complete UK probate guide for 2026 covers the full estate administration timeline.
Where the total Aldermore balance is below approximately £15,000, the bank can release funds using a small-estate indemnity. This is a practical route for executors managing straightforward, modest savings estates — avoiding the cost and time of the full probate process.
Check whether other institutions in the estate require probate before deciding whether to apply. Our guide on when you don't need probate covers the full range of scenarios. If probate is needed, our DIY probate vs solicitor cost guide helps you decide on the best approach.
1 in 3 probate applications are sent back.
Answer 5 questions in under 2 minutes. We'll tell you whether you need probate, which route to take, and the mistake most people make at this stage.
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