I have a joint account but my spouse has passed away. Do I still have to provide you with a grant of probate?

No. We only need an original or certified copy of the death certificate. Under survivorship rules, if one party of a joint account has passed away we automatically move the account into the surviving party’s sole name once we’ve received an original or certified copy of the death certificate. In these circumstances, funds can only be returned when the applicable fixed term matures or the notice period is served, as the terms and conditions of the account still apply.