How to Notify Wealthify After a Death in the UK

How to Notify Wealthify After a Death in the UK

If someone dies with a Wealthify account, the first step is to contact Wealthify's Customer Care Team. Wealthify says it will usually freeze the account once notified, then confirm what documents are needed based on the product held and the value involved.

That last point matters. Wealthify is not just one product. Someone may have an investment account, a Cash ISA, a Stocks and Shares ISA, savings, or a pension. The right next step depends on which wrapper they held, whether there are nominated beneficiaries, and whether probate is required.

Start by contacting Wealthify's bereavement team

Wealthify says families or next of kin should contact its Customer Care Team as soon as they are ready. The provider gives several ways to do this:

• Email: bereavement@wealthify.com
• Phone: 0800 802 1800
• Live chat

At this point, the goal is not to solve every tax and probate issue immediately. It is to alert the provider, protect the account and find out exactly what documents this case needs.

What documents Wealthify may ask for

Wealthify says the exact paperwork depends on the product and the provider or custodian involved. As an example, it says it may ask for:

• proof of identity
• a bank statement
• the death certificate

That is the important operational detail: documentation can vary because different Wealthify products are administered through different arrangements. In real terms, that means one bereavement case may be more straightforward than another even though both sit under the Wealthify brand.

What happens to the account after notification

Wealthify says that once it has been notified by next of kin, it will usually freeze the account to prevent further payments and withdrawals.

That protective step is normal. It is designed to stop money leaving before the estate or beneficiary route is confirmed.

Wealthify also says:

• communications to the deceased person's account may not stop immediately
• if fees are owed, it may sell assets to cover them
• there are no fees on some products such as its Instant Access Savings Account or Cash ISA

This is why it helps to understand which product the person held rather than treating everything as one generic investment account.

Do you need probate for a Wealthify account?

Wealthify's answer is: it depends.

The provider says probate requirements depend on:

• the type of product
• the value of the plan

So there is no single threshold you can rely on in advance. One case may be resolved with lighter paperwork, while another may need a grant of probate or letters of administration before funds can be released.

The practical move is simple: notify Wealthify first, then ask exactly what authority documents are required for this account.

What happens to a Wealthify ISA after death?

An ISA does not simply vanish on the date of death. In general UK terms, an ISA becomes a continuing account of a deceased investor until one of the usual closure points is reached, such as:

• the estate being completed
• the account being closed
• three years and one day passing after death

During that period, the tax shelter on the existing ISA assets can continue for a time.

If the surviving spouse or civil partner was living with the person who died, they may also have access to an Additional Permitted Subscription (APS). That is an extra one-off ISA allowance linked to the value of the deceased person's ISA. The exact route depends on the provider and the estate administration, so it is worth asking Wealthify how it handles APS in that specific case.

What happens to a Wealthify pension after death?

This is where a Wealthify bereavement case becomes very different from a normal investment account.

Wealthify says pension death benefits usually depend heavily on the age at death and the nominated beneficiary position.

If the person died before 75

Wealthify says the pension will usually be paid to the beneficiary or beneficiaries tax free.

If the person died after 75

Wealthify says the pension will usually be paid at the beneficiary's tax rate.

The two-year point matters

Wealthify also says there are two years from notification of death to make the death benefit payment to beneficiaries, otherwise tax can apply differently.

This is one reason pensions should not be handled as an afterthought. Beneficiary-led assets often follow a different route from estate assets.

Beneficiaries, next of kin and executors are not always the same person

This causes a lot of confusion.

With an investment account or ISA, the executor or administrator often has a central role because the asset sits inside the estate. With a pension, nominated beneficiaries may become much more important.

That means the person contacting Wealthify should be clear about which of these applies:

• executor named in the will
• administrator dealing with an intestate estate
• surviving spouse or civil partner
• nominated pension beneficiary
• family member making the initial notification only

Getting that clear early can save weeks of back-and-forth.

A practical checklist for dealing with Wealthify

Before you call or email

Gather what you can:

• full name of the person who died
• date of death
• account details or plan information if available
• your relationship to the deceased
• whether there is a will
• whether you know of any named pension beneficiaries

Ask Wealthify these questions

• Which product or products did the person hold?
• Is the account frozen now?
• What documents do you need for this specific product?
• Is probate required in this case?
• Is there a pension beneficiary route separate from the estate?
• Is there an ISA-related APS process for a surviving spouse or civil partner?

Keep a written trail

Write down:

• who you spoke to
• the date and time
• any reference numbers
• what documents were requested
• what deadlines were mentioned

When grief and paperwork collide, written notes matter more than memory.

How GetPassage can help

A Wealthify case often sits beside banks, pensions, insurers and HMRC forms. The value is not just knowing the rules. It is keeping the moving parts visible. GetPassage can help you track which assets are estate assets, which are beneficiary-led, and which documents are still outstanding.

Final takeaway

The real question is not simply how to tell Wealthify someone has died. It is which Wealthify product is involved and who has authority over it.

Start by notifying the bereavement team. Confirm the product type. Ask whether the route is estate-based, beneficiary-based, or both. Then deal with the next document request one step at a time. That is usually the fastest way through.