Triodos Crowdfunding investments may be transferred to a new investment holder, who will need to open a Crowdfunding account if they do not already have one. It is sometimes possible to redeem the investments (have them paid out) instead of transferring them. This is ultimately at the discretion of the directors of the company that issued the investment.

You can indicate on the Bereavement Notification Form(PDF) whether you would like the investments to be transferred or redeemed. If you select the option to transfer, we will provide the new investment holder with a Stock Transfer Form to complete so they can transfer the investments (and any cash in the Crowdfunding ‘wallet’) to their name.

If you select the option to redeem, we will contact the issuing company to request this. Once we have received a response, we will let you know if the redemption is possible or if the investments must be transferred.

You can find more information on crowdfunding investments at www.triodoscrowdfunding.co.uk.

• Please complete a Bereavement Notification Form(PDF) and send it to us with a Death Certificate.
• Before we can close the accounts, we may ask for a Grant of Letters of Administration to verify that you have authority to manage the accounts.
• We will attempt to verify the identify and address of every Administrator electronically, but may ask you for paper ID documents if this is not possible.
• When you are ready to close the accounts, you should complete a Closure Form, which we will provide you with by post.

You only need to send us one notification form for all their accounts. We will send you a valuation of all the accounts if you request it on the Bereavement Notification Form(PDF). This is the first step in notifying us that the customer has passed away. Please note that some accounts can take longer to pay out than others. For example, it can take longer to sell investments and have the proceeds paid out. You can specify whether you would prefer to have everything paid out at the same time on the Bereavement Notification Form.

If the customer who has died only had Joint accounts or Business accounts, we don't require the Bereavement Notification Form, just a copy of the Death Certificate.

Yes. All the attorneys outlined in the Power of Attorney document can act on the account holder’s behalf.

For attorneys appointed “jointly”, each attorney must complete and send us the Power of Attorney Mandate Form(PDF) before we let any attorney act on the account holder’s behalf.

Attorneys appointed “jointly” must all act together on all matters. Attorneys appointed “jointly and severally” can act either together or individually.

Most of the documents we request from you will be the same. However, in Scotland the Grant of Representation / Probate is referred to as the “Certificate of Confirmation”. Find out more on What to do after a death in Scotland (gov.scot). 

When you fill in the Bereavement Notification Form(PDF), you can indicate whether you want a valuation of all the late customer’s accounts. We will send this to you as soon as we have verified the Death Certificate and gathered all the necessary details, usually within 10 working days. We cannot provide this information over the telephone.

If you don’t request it when you first notify us, you can still request this at any time by calling us on 0330 355 0355 or writing to us.

We’re aware that many other financial providers offer this as an option in different forms, and with different levels of restrictions on what an appointed third party can do when the mandate is in place.

We stopped offering our own version of this mandate in March 2022. It can lead to issues over safeguarding of a customer’s money when such a mandate is in place. We are reviewing whether we might re-introduce this option in the future. 

The process remains the same as for UK residents, however proof of identity and address documents must be certified by an Embassy, Consulate or High Commission from the country where the documents were issued.

Please be aware that we don’t accept original passports or driving licences by post. Therefore, you may prefer to send certified copy documents by recorded or tracked delivery to ensure they don’t get lost in the post. But be aware, most delivery companies will charge for this service.

Our address is:
Bereavement Team
Triodos Bank
Deanery Road
Bristol
BS1 5AS
UK

If Probate is required, it must be obtained from the UK as we cannot accept overseas Probate documents for funds held here. You may wish to seek legal advice about how to arrange this, as we cannot provide advice on individual circumstances.

When the accounts are closed, the funds will be paid out in pounds sterling. Exchange rates and fees may apply if we are asked to pay funds overseas.

Where a legal firm has been appointed as executor of the estate, most of the process remains the same. A solicitor should complete the Bereavement Notification Form(PDF) and provide their name, company name and contact details. We will verify the firm and their position but will not request identity documents from them. Where other personal representatives or executors are also appointed, we will request permission to verify their identities where appropriate.

The timescales can vary significantly and are often dependent on a wide range of factors. Things like applying for Probate can take a long time and may slow things down. For this reason, if you tell us that you’re applying for Probate, we won’t contact you for at least six months. 

If you’re not sure what’s happening with the process, or whether we're still awaiting outstanding documentation, please contact us on please give us a call on 0330 355 0355 (or +44 117 973 9339 from abroad). Lines are open from 8am-6pm, Monday to Friday, and 9am-6pm on Thursdays. 

An Additional Permitted Subscription (APS) allows a surviving spouse or civil partner a one-off ISA subscription equal to the total value of the deceased ISAs at the date of their death. This needs to be completed within three years of the date of death.

Unfortunately, we’re unable to accept an APS into a Triodos ISA, or facilitate an APS transfer to another provider. We can provide a one-off valuation of the deceased’s Triodos ISAs on date of death for an APS. This can be shared with other ISA providers who accept APS upon request. You can find out more about APS’s on the government website: Manage additional permitted subscriptions into an ISA.

The following people can certify a Power of Attorney document:

• The donor (if they have mental capacity) – the donor must write “I certify this is a true and complete copy of the corresponding page of the original lasting power of attorney.” on every page of the copy and on the final page must write “I certify this is a true and complete copy of the lasting power of attorney.”
• A solicitor
• Post Office – a fee may be charged for using this service
• Accountants with a current ‘practicing’ membership, registered with ICAEW, ICAS, CAI, ACCA, CIPFA or CIMA.
• A person authorised to carry out notarial activities
• Bank staff (must include branch stamp)

Certifiers must clearly write that they have seen the original document. They must also include their full name, profession, business address, phone number and the date they certified the document.

Please note that we must be sent all pages of the certified copy of the document in colour. It must be certified on every page, and must have been certified within the past 3 months.

We can release funds from personal accounts to pay for reasonable funeral expenses. If you are an administrator or executor, you may request that we pay a funeral bill once you have provided the Death Certificate. Please ask the funeral provider to send us an official invoice or bill on headed paper by post, or a digital invoice from their company email address.

We will send them a cheque or electronic transfer to cover the funeral costs, up to the balance in the eligible accounts. We recommend that you review how much is left in the accounts before requesting this.

• If you are a personal representative of the customer who has died, please let us know if they operated any Triodos Business accounts. You can provide the account numbers or company name(s) on the Bereavement Notification Form(PDF), if you know them. We will block their account access straight away. You may also notify us by phone.
• If you represent the business, you may also notify us by phone. If an account operator has died, the remaining account operator(s) should complete a Business Banking change of account operator form - current, deposit, and loans(PDF) as soon as possible. We will update the account mandate and internet banking access, as appropriate.
• Where the late customer was the only account operator on the account(s) of a business that will continue to operate, we will require further documentation from the directors of the company, in addition to the Death Certificate. Please call us to discuss the circumstances.
• Sole trader accounts may be closed by completing an Account Closure form, which we will provide to the personal representatives when they send us the Bereavement Notification Form.
• If the late customer was an ultimate beneficial owner (UBO) for a business account (including trusts), we will ask for the Death Certificate and any relevant Grant of Representation.

Joint accounts will remain open in the name of the surviving account holder who will be able to use the accounts as usual. In cases where the deceased only held a joint Triodos account and no sole accounts, please send us a copy of the Death Certificate so we can update our records. We will only need a Bereavement Notification Form(PDF) if the customer also held sole accounts in their own name.

‘Joint accounts’ here refers to Current Accounts (for daily banking) and Impact Investment Accounts. For business accounts, you’ll need to complete a Change of account operator form(PDF).

To notify us that a customer with a joint account has passed away, please email a scanned copy of the Death Certificate to [email protected]. If this isn’t possible, you can post an original or a certified copy to us at ‘Bereavement Team, Triodos Bank, Deanery Road, Bristol, BS1 5AS’.

Please note, you may want to send original or certified documents by recorded or tracked delivery to ensure they don’t get lost in the post. But be aware, most delivery companies will charge for this service. Alternatively, you can send documents to ‘FREEPOST Triodos Bank’. This is a second class service with no stamp required.

Any Triodos Impact Fund Investments, whether held in an Impact Investment Account or Triodos Stocks and Shares ISA, will need to be sold and the proceeds transferred to a bank account chosen by the executor. Unfortunately, we’re not able to transfer the existing investments to a new investment account or beneficiary at the moment.

Please note that until the Triodos Impact Fund Investments are sold, they will remain invested which means their value may change. With any investment, there’s the risk that you could get back less than initially invested.

ISA accounts will be closed 3 years and 1 day after the date of death, if an instruction to close the ISA has not been received from the representatives of the estate, to comply with HMRC rules.

You can find more information on Triodos Impact Investments, Impact Investment Accounts, and Stocks and Shares ISAs at www.triodos.co.uk/impact-investments.

Depository Receipts (DRs) offer a way to invest directly invest in Triodos Bank. The register is managed on our behalf by an external provider called Captin.

These can only be transferred to a new DR holder, in accordance with the Will. The new DR holder will need to register with Captin and complete a further identity check with them before the DRs can be transferred into their name. Once the DRs have been transferred to the new holder, they can be sold via Captin. The beneficiaries will be able to review their holding with Captin once the transfer is complete.

We will provide more information on this if applicable.

We don't offer arranged or unarranged overdraft facilities on our current account. For assistance with debt and managing your finances please visit our support page where we list a number of specialist organisations who will be able to help you.

No. We only accept Power of Attorney documents that have been registered in the UK. 

Power of Attorney documents must be registered with the relevant UK government agency before they can be used with us.

• England and Wales - Find out how to register a Lasting Power of Attorney with the Office of the Public Guardian (OPG) on the gov.uk website, or find out how to register an Enduring Power of Attorney with the OPG on the gov.uk website.
• Scotland - Find out how to register a Continuing Power of Attorney with the Office of the Public Guardian (Scotland) on their website.
• Northern Ireland - Find out more about out how to register an Enduring Power of Attorney in Northern Ireland on the High Court (Office of Care and Protection) website.