How to Notify Atom Bank of a Death: Bank Bereavement Guide 2026

How to notify Atom Bank of a death — step by step

1. Contact Atom Bank by phone or email

   Call 0333 399 0050 or email support@atombank.co.uk. Atom Bank is a digital bank based in Durham. There is no dedicated bereavement line but their support team will escalate your query appropriately.

2. Identify accounts held

   Atom Bank primarily offers fixed-rate savings accounts, mortgages, and business loans. Their savings accounts are app-based. Check app transaction history or bank statements to confirm accounts held.

3. Provide documentation

   Atom Bank will require a certified copy of the death certificate. For fixed-rate savings accounts, they will advise on whether early closure incurs a penalty in bereavement cases (most waive penalties). Probate or letters of administration will be required for most estates.

4. Close accounts and release funds

   Fixed-rate savings accounts will be closed early (penalty typically waived on death) and proceeds transferred to the estate. Atom Bank will guide you through the process via email or post.

What documents does Atom Bank need?

• Death certificate (certified copy)
• Atom Bank account number
• Grant of probate or letters of administration
• Executor's proof of identity

Have multiple certified copies of the death certificate ready. Banks and financial institutions each require an original or certified copy — you cannot usually pass a single copy between organisations. See our guide to how many death certificates you need.

How long does Atom Bank take?

Atom Bank typically takes 3–6 weeks to process a bereavement notification once all required documents have been received.

During this period, accounts or services will typically be frozen until the estate is administered. This means no new transactions can be authorised. Frozen bank accounts cannot send or receive money, so it is important to ensure the estate has an accessible source of funds for ongoing costs such as funeral expenses.

Atom Bank is FCA-authorised and deposits up to £85,000 are protected by the Financial Services Compensation Scheme (FSCS).

What happens after you notify Atom Bank?

Once Atom Bank receives your notification and confirms receipt, the account or service will be frozen and no new transactions will be authorised. Estate administration can then begin.

Atom Bank will write to you with a bereavement reference number and a list of the documents they require to proceed. At that stage you will need to provide the grant of probate (or letters of administration) along with certified copies of the death certificate before funds can be released to the estate. Once the grant is in hand, you can proceed to close the deceased's bank account and release funds to the estate.

What cannot wait