Farra is a death administration assistant for UK families. Get step-by-step guidance for registering a death, applying for probate, notifying banks, and managing bereavement admin. From essential documents to practical checklists, Farra simplifies estate paperwork and funeral-related tasks so you can focus on what matters.
Monzo's probate threshold is £10,000 (as of 2026) — significantly lower than the £50,000 threshold applied by many traditional high street banks. This means that if the deceased held more than £10,000 in their Monzo account, a Grant of Probate or Letters of Administration will be required before Monzo can release the funds. Given that Monzo accounts are often used as everyday spending accounts, this threshold is worth confirming before assuming probate is not needed.
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Monzo's probate threshold is £10,000 as of 2026. This is considerably lower than most traditional banks. If the deceased held more than this amount in their Monzo account at the time of death, a formal Grant of Probate will be required before Monzo releases the funds.
For a comparison of probate thresholds across all major UK banks and fintechs, see our probate threshold guide for 2026–27. If the deceased held accounts at both Monzo and a high street bank, you may need to assess each institution separately.
Monzo's bereavement process is handled primarily online. You will typically need to provide:
For estates where the Monzo balance exceeds £10,000, you will need the original Grant of Probate or Letters of Administration. Monzo may accept scanned copies for initial verification, but check their current process when you first make contact.
As a digital bank, Monzo handles most bereavement notifications online or via its in-app support chat:
Unlike traditional high street banks, Monzo does not have physical branches. All communication and documentation submission is done electronically. Our guide on notifying banks after a death covers both traditional and digital bank processes.
Yes, Monzo participates in the Death Notification Service (DNS). You can use the DNS to notify Monzo alongside other participating financial institutions. After notification, Monzo will contact you to request specific documents and guide you through their online process.
Monzo's participation in the Direct Payment Scheme (IHT423) is limited compared to traditional banks. As a digital challenger bank, Monzo's bereavement processes are still evolving. If inheritance tax may be owed on the estate, it is best to contact Monzo directly to ask about their current IHT423 capability.
For general guidance on paying inheritance tax before probate, see our guide on probate delays and IHT interest.
Monzo typically releases funds within 5 to 10 working days of receiving all required documentation. The digital process can sometimes be faster than traditional banks.
If you are managing multiple financial institutions as part of the estate, our estate administration checklist will help you keep track of each submission and its status.
For balances under £10,000, Monzo will use a simplified process. You will be asked to provide a declaration confirming your entitlement to the funds along with the death certificate. This is handled online or via email and does not require a formal grant.
Bear in mind that even if Monzo does not require probate, a Grant of Probate may still be needed for other parts of the estate — particularly if the deceased owned property or held investments. Our guide on when you don't need probate explains this in detail.
For a full overview of UK probate, see our complete UK probate guide for 2026. If you are weighing DIY probate against using a solicitor, read our DIY probate versus solicitor costs guide. For inheritance tax queries, visit our IHT guide for 2026–27. You can also use Farra's free estate tool to build your personalised action plan.
Starling Bank probate threshold is £10,000 (as of 2026). Learn how Starling's digital bereavement process works, what documents are required, and how long it takes.
Chase UK probate threshold is £25,000 (as of 2026). Learn what documents Chase UK requires, how to contact their bereavement team, and how long it takes to release funds.
Barclays probate threshold is £50,000 (as of 2026). Find out what documents Barclays requires, how to contact their bereavement team, and how long it takes to release funds.
Lloyds Bank probate threshold is £50,000 (as of 2026). Find out what documents Lloyds requires, how to contact their bereavement team, and how long it takes to release funds.
Halifax probate threshold is £50,000 (as of 2026). Part of Lloyds Banking Group with its own bereavement process. Learn what documents Halifax requires and how long it takes.
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