How to Notify Monument Bank After a Death in the UK

How to Notify Monument Bank After a Death in the UK

If someone who died had a Monument Bank account, the next of kin, executor or another representative should contact Monument and be ready to provide proof of death and proof of identity. Monument says the first practical steps are to register the death, get a death certificate, then contact its Client Services team so it can explain what further information is needed.

This guide explains what to prepare, what to say, and how to keep the process calm and organised.

Before you contact Monument Bank

Do not worry if you do not have every estate document yet. Banks usually start by recording the death and asking for the evidence they need before they can discuss balances, close an account or release funds.

For Monument Bank, prepare as much of this as you can:

Item	Why it helps
Full name of the person who died	Helps Monument locate the account
Date of birth and last address	Useful for identification
Date of death	Needed for the bereavement record
Original or certified copy death certificate	Monument says it asks for proof of death
Your ID	Monument says it asks for proof of identification for the person dealing with the estate
Your role	Say whether you are next of kin, executor, administrator or another representative
Grant of probate or letters of administration, if already issued	May be needed before money can be released, depending on the estate

If probate has not been granted yet, say so. It is normal for this to take time.

How to contact Monument Bank

Monument Bank publishes several support routes. You can contact its Client Services team by phone on 020 4524 8080, use in-app chat if you have access, or email service@monument.co and ask them to arrange an appropriate time to call you back.

If you are not the account holder and you do not have access to the app, email or phone is usually the clearest route. Keep your first message short:

I need to notify Monument Bank that a customer has died. I am the [executor / next of kin / representative]. Please tell me the secure process for providing the death certificate, my ID and any estate authority documents you need.

Do not send sensitive documents by ordinary email unless Monument specifically confirms that is the correct secure process.

Who is allowed to deal with the account?

Monument’s public guidance says that the next of kin, executor or a representative for the person can contact them. That does not always mean every caller can receive account information immediately. Financial firms have to protect the customer’s data, even after death.

In practice, Monument may need to verify:

• that the customer has died
• who you are
• your connection to the estate
• whether you have legal authority to act
• whether more documents are needed before funds can be released

If there is a will, the executor named in the will usually leads. If there is no will, an administrator may need to apply for letters of administration before some estate assets can be dealt with.

What happens to the account after Monument is notified?

Once Monument has enough information, it should explain the next steps. These may include freezing or restricting the account, stopping access that should no longer continue, confirming what additional documents are required, and eventually arranging closure or payment to the estate.

Do not assume the money can be transferred straight away. A bank may need a grant of probate or letters of administration, especially where balances are larger or the estate is more complex. If the estate is small, the process may be simpler, but Monument will confirm its own requirements.

Check linked accounts and savings arrangements

Monument is an app-based bank, so take extra care with digital access. Do not try to log in as the person who died unless you are specifically authorised and it is lawful to do so. Instead, preserve useful information from papers, emails or statements you already have.

Look for:

• Monument account statements
• linked current account details
• fixed-term savings maturity dates
• interest statements for tax records
• emails from Monument about account changes
• any standing instructions connected to the account

If a fixed-term savings account exists, ask Monument what happens at maturity after death and whether funds can be released only to an estate account or nominated account.

If you are also grieving

Bank admin can feel brutally practical when you are still in shock. It is fine to do this in stages: register the death, get the certificate, make the notification, then wait for Monument’s document list.

Keep a simple record of each contact: date, person spoken to, what they asked for and what you sent. GetPassage can help you keep these notifications, documents and follow-up tasks in one place so you do not have to hold everything in your head.

Quick checklist

• Register the death and obtain the death certificate.
• Contact Monument by phone, in-app chat or service@monument.co.
• Explain your role clearly.
• Ask for the secure document submission process.
• Provide proof of death and your identification when requested.
• Ask whether probate or letters of administration will be needed.
• Keep copies of everything sent.
• Track fixed-term savings dates and tax paperwork.

When to get extra help

Consider getting legal or probate advice if there is no will, there are disputes between family members, the estate includes property or overseas assets, or you are unsure who has authority to act. If the estate is straightforward, Monument’s bereavement process may be enough without paid legal support.

The most useful first move is simple: notify Monument, ask what evidence they need, and avoid guessing. That gets the account into the right process and reduces the risk of delays later.