Your online bank accounts if you got run over by a bus

wombat42_2

Supposing you got run over by the proverbial bus tomorrow morning, how on earth is your next of kin going to unravel the details of your online bank accounts as you probably wouldnt have any paper bank statements and you would keep passwords etc private.

doelani

My hubby knows my online banking details and I know his. Also have a full list of accounts etc in safe place with wills in case we both die at once :eek:

should add passwords not written down ( in case a burglar is reading ) but account numbers and bank would be what they need to close accounts

Doom_and_Gloom

I wouldn't have to worry as my fiance knows my details to get into my online account. Although he isn't my next of kin (yet) he is who I live with and who I am going to marry. My parents, who are my next of kin at the moment by law, don't have a clue how to get into my account, lol.

HeidiHi

They're in my If I Should Die Before You File.

doelani

but remember once you die no-one should be accessing your accounts online anyway, as a dead person cannot use a bank account. So unless a joint account holder no can do.

diable

I have all the details of all my accounts and passwords written down on a post it and its stuck on the inside of my wallet, I just hope I don't get burnt to a cinder in a fire.

Dazi

As I am off sick from work at the moment I have actually been giving this some thought.

OH has a bank account that he has a standing order to our joint account, my wages are paid into our joint account, do have an account of my own with same bank as joint but couldn't be bothered to keep both of them going.

I know the passwords to the joint account, have told OH but don't think he would remember, he certainly wouldn't remember the extra questions, so don't know how he would go on if I got run over by a bus. If he got run over by a bus I guess that his account would carry on paying the standing order to the joint account till they decided his overdraft was a no-no, or they were told that he was dead :eek:

Most of our bills are in joint names, except for sky they couldn't seem to get their heads round 2 different names so guess that would only continue till the over draft got too high!

TBH this post has made me think! if anything happened to OH I would not be the one who made any decisions and that worries me. He has an ex from hell who if anything happened to him would be round here like a shot marking an X on all my furniture saying it was now the property of his daughter.

Am now going to google as to what I need to do and what he needs to do (although I know my kids would be ok, they wouldn't want to take his chair away from him lol, but then they are older and I get on well with my exH)

Good post from the OP!

xoxo_2

diable wrote: »

I have all the details of all my accounts and passwords written down on a post it and its stuck on the inside of my wallet, I just hope I don't get burnt to a cinder in a fire.

Hope you don't lose your wallet:eek:

diable

xoxo wrote: »

Hope you don't lose your wallet:eek:

No worries there as I always leave in on the dashboard of my locked car.

xoxo_2

diable wrote: »

No worries there as I always leave in on the dashboard of my locked car.

Hahaha .

Paul_Herring

Doom_and_Gloom wrote: »

I wouldn't have to worry as my fiance knows my details to get into my online account. Although he isn't my next of kin (yet) he is who I live with and who I am going to marry. My parents, who are my next of kin at the moment by law, don't have a clue how to get into my account, lol.

"Next of kin" isn't a legal entity in the UK, and the concept itself only relates to the mental health act, and (to a limited extent) intestacy.

You seem to be relying on the rules of intestacy, which can be easily overridden to your liking by your writing a will. ("In contemplation of marriage" if you use free will month and it's before your wedding.)

In reply to the OP, a simple list of institutions and account numbers (and probate) is all that's required to close accounts. Passwords won't be required.

Usually anyway. I make no guarantee about the likes of Santander.