Bank limits · From Bank of Scotland’s own website, 3 November 2026
Bank of Scotland probate limit
Bank of Scotland publishes no limit for releasing money without probate. It decides account by account, so tell its bereavement team about the death and ask whether it needs a grant.
Decides account by account. Source: Bank of Scotland’s bereavement page, read on 3 November 2026. Most banks publish a figure: 14 of the 23 we list release up to £50,000.
Will Bank of Scotland ask for probate?
Type roughly how much was in their name alone at Bank of Scotland. Add their other banks too if you like.
Questions about Bank of Scotland and probate
How much can Bank of Scotland release without probate?
Bank of Scotland publishes no limit for releasing money without probate. It decides account by account, so tell its bereavement team about the death and ask whether it needs a grant. From Bank of Scotland’s own website, checked 3 November 2026.
Do joint Bank of Scotland accounts need probate?
Usually not. A joint account normally passes straight to the other account holder, so it doesn’t count towards Bank of Scotland’s limit. Only money in the person’s name alone does.
Is the Bank of Scotland limit per account?
No, banks look at the total. Add up every account in the person’s name alone at Bank of Scotland. Money at other banks is judged against each bank’s own limit.
What if the Bank of Scotland balance is over the limit?
Apply for probate (or letters of administration if there’s no will), then send Bank of Scotland a copy of the grant. One grant works at every bank, so if any one bank needs it, it covers the rest too.
Other banks’ limits
- Barclays £50,000
- Chase no published limit
- Co-operative Bank £50,000
- Coventry Building Society £50,000
- First Direct £50,000
- Halifax no published limit
- HSBC UK £50,000
- Leeds Building Society £50,000
- Lloyds Bank £50,000
- Metro Bank £35,000
- Monzo £25,000
- Nationwide £50,000
- NatWest £50,000
- NS&I £5,000
- Principality Building Society £40,000
- Royal Bank of Scotland £50,000
- Santander £50,000
- Skipton Building Society £50,000
- Starling £30,000
- TSB no published limit
- Virgin Money £50,000
- Yorkshire Building Society £50,000
Not sure you need probate at all? Use the 3-question checker. Spotted a change at Bank of Scotland? hello@probatechecklist.co.uk