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.
This guide has not been checked against its sources
We re-checked our most-read guides against GOV.UK and the other official sources in September 2026. This one was not among them, so nobody has confirmed its figures, deadlines or process steps since it was written. Treat it as a starting point and confirm anything that matters on GOV.UK before you act on it.
Nutmeg is a digital investment management (robo-adviser) platform and requires probate for all investment accounts. As of 2026, there is no published small-estate threshold — Nutmeg will not release ISA, GIA, or Junior ISA assets without a grant of probate or letters of administration. Pension (SIPP) death benefits bypass probate. Contact Nutmeg's support team at help@nutmeg.com or on 020 3598 0595 to begin the bereavement process.
Nutmeg is a robo-adviser platform owned by JPMorgan Chase, offering stocks and shares ISAs, Junior ISAs, Lifetime ISAs, SIPPs, and general investment accounts. As of 2026, Nutmeg does not apply a small-estate probate threshold for investment accounts. All investment assets require a grant of probate or letters of administration before release.
Product-specific rules:
For a full comparison of thresholds across UK platforms, see our probate threshold guide for 2026–27.
Our estate administration checklist helps you manage all document submissions across institutions.
Notifying Nutmeg is one of the steps in notifying financial institutions after a death.
Nutmeg does not participate in the Death Notification Service (DNS). You must contact Nutmeg directly. As a digital investment platform, Nutmeg sits outside the DNS banking network and has its own bereavement process.
Nutmeg does not participate in the Direct Payment Scheme (DPS). If inheritance tax is due on the estate, you will need to arrange separate funding to pay HMRC before the grant of probate is issued. Our guide on probate delays and IHT interest explains the options.
Once Nutmeg receives the grant of probate and all required documents, fund release typically takes 4–8 weeks. As a digital platform, Nutmeg's processes are largely paperless, which can speed up some stages of the bereavement administration.
The overall timeline from death to receiving funds is typically 9–12 months. For a full step-by-step overview, see the complete UK probate guide for 2026.
If the deceased held a SIPP with Nutmeg, the rules differ from ISAs and GIAs. Nutmeg SIPP death benefits are held under pension trust law and bypass the estate entirely. The trustees will pay benefits to nominated beneficiaries without requiring probate.
ISAs and GIAs form part of the estate and always require probate at Nutmeg. For guidance on claiming pension death benefits, see our pension death benefit guide. For help deciding on your administration approach, see our DIY probate versus solicitor cost guide.
Before you assume you need probate
Do you actually need a grant — and what would it cost?
A Nutmeg balance is only part of the picture. Whether the estate needs probate at all depends on the whole picture — property, other accounts, and how everything was owned — not a single threshold. It is worth checking before you start filling in forms.
Guide reviewed July 2026. Bank thresholds change and can vary by account type — always confirm the current figure with the provider before relying on it.
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