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The power of attorney ended on death and so it would not be lawful to use that to withdraw money from her account. However the bank will generally be happy to give you a cheque made payable to the funeral undertaker if you show them the death certificate and the invoice from the undertaker. The bank will thereafter freeze the bank account and all standing orders so the executor or next of kin has to write to all the providers advising of the death and will have to ensure that the insurance remains in place during the period of administration. If the house is owned you should be seeing a solicitor as an application for probate will be required.