Hello and thanks for your question.
The bank is entitled to say that they want to see a grant of probate first, before the separate bank account is opened, so the trustee will need to apply for probate. I appreciate that that’s a nuisance – but in summary, here’s what she needs to do:
Complete the application form PA1
Complete the tax form
State how many copies of sealed copies of the grant of probate she needs
Enclose an official copy of the death certificate, the original will, plus any other documents the Probate Service request eg a decree absolute
Cheque made payable to HM Courts & Tribunals Service, for the fee
Send all to the nearest Probate Registry
Complete Probate application form PA1, here:-
There are some guidance notes available, in leaflet PA1a, here:
On the form PA1, the trustee will need to say which is the nearest Probate Registry. Here’s the list, in the Directory of Probate Registries and Appointment Venues:-
2.When the trustee applies for the grant of probate, she will also need to enclose a completed tax form, whether or not the estate is liable for inheritance tax (IHT). The current limit is £325,000, so if the deceased’s estate is worth less than that, or after taking into account gifts in the will to his/her spouse, or gifts to charity (which are tax-free) what is left of the estate is less than £325,000, then no IHT is payable.
If no IHT is payable, then the trustee needs to complete Form IHT205 Return of estate information.
There are some detailed notes to help the trustee fill in Form IHT205, here:
If IHT is payable, then the trustee needs to complete Form IHT (combined with guidance notes) here:
3.How many official sealed copies of the grant of probate will be needed? It’s a good idea to get a few eg 6 because the trustee will need to send one to every organisation eg banks, building societies and pension funds, in order to access the deceased’s funds. She can always get more later, but the probate registry will charge more if not applied for at the same time as applying for the grant.
4. An official copy of the death certificate is needed, plus the original will, not a photocopy of either.
5. The amount of the fee will depend on how many copies and whether or not the estate is under £5,000.Here’s the list of probate fees from April 2014, with some examples of how to calculate the amount payable:-
6. The trustee can find the address of the nearest probate registry in this Directory of Probate Registries and Appointment Venues, here:
Finally, here’s a very useful leaflet PA2 which goes through the process on how to obtain probate:
I hope this helps and I wish you and the trustee the best of luck.
Thanks and best wishes...