A lot of companies will want to see confirmation regardless of the value of the account or asset, but some companies have a ‘probate threshold’. This means they are willing to release money or give control of an asset, up to a certain value, to the executors without needing to see grant of confirmation (probate).
A lot of companies will have a “small estates” procedure that is far more straightforward than getting confirmation. If you only need to get a grant for one or two companies, you could try and persuade them to make an exception for you.
Up to £50,000
- Bank of Scotland/Halifax/Lloyds
Up to £25,000
Decided on a case by case basis
- M&S Bank
- First Direct
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Share registrar thresholds
These share registrars manage the majority of the bigger companies’ shares in the UK. Here are their respective thresholds:
- Equiniti up to £10,000 per shareholding*
- Link Asset Service (formally Capita) up to £20,000 per shareholding*
- Computershare up to £20,000 per shareholding*
*This threshold takes into account any outstanding dividends.
National Savings & Investments (NS&I) will allow you to sell premium bonds with a value of up to £5,000. Anything over this amount and they will want to see confirmation. Premium bonds cannot be sold.
Each company will have its own probate threshold, so it's worth contacting them to find out what it is.