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

How to notify Monzo of a death — step by step

1. Contact Monzo through the app or online

   Monzo does not have a dedicated phone line for bereavement. Notify them via the in-app chat or through the online bereavement page. The support team is available 24/7 via chat.

2. Upload the death certificate

   Monzo will ask you to upload a certified copy of the death certificate. This can be done digitally through their secure document upload feature — no need to post physical copies.

3. Provide your identification

   Monzo's team will ask for your own identification and your relationship to the deceased. If you are the executor, provide a copy of the grant of probate when available.

4. Account reviewed and frozen

   Monzo will freeze the account and stop any scheduled payments. Any remaining pot balances will be consolidated into the main account balance for the estate.

5. Balance released to the estate

   Monzo will transfer the account balance to the bank account you specify for the estate. Monzo accounts are typically simpler to close than traditional banks as there are no branch-based processes to navigate.

What documents does Monzo need?

• Certified copy of the death certificate
• Grant of probate or letters of administration (when available)
• The executor's or administrator's ID (passport or driving licence)
• The executor's or administrator's proof of address (utility bill or bank statement, dated within 3 months)
• Account numbers or bank statements if known

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 Monzo take?

Monzo typically takes 2–4 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.

What happens after you notify Monzo?

Once Monzo 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.

Monzo 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