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Home→Financial Institutions→HSBC→When someone dies

What to do when a HSBC account holder dies

Contact HSBC — 8-step process, 8 required documents, and varies based on complexity, jurisdiction, and completeness of documentation

HSBC

Subsidiary of HSBC Holdings plc

us.hsbc.com →
HSBC logo
Phone716-841-6866
Toll-Free1-888-662-4722
Mailing Address

HSBC Premier Service Center, P.O. Box 22, Buffalo, NY 14240

WebsiteLearn more →
Phone716-841-6866
Toll-Free1-888-662-4722
Mailing Address

HSBC Premier Service Center, P.O. Box 22, Buffalo, NY 14240

WebsiteLearn more →

Death Claims / Bereavement

Phone716-841-6866
Toll-Free1-888-662-4722
Mailing Address

ATTN: Legal Paper Processing, HSBC Bank USA, N.A., 2929 Walden Ave, Pole C84, Depew, NY 14043

WebsiteNotify online →
Verified Mar 2026

When a HSBC account holder passes away, the next step depends on how the accounts were set up. Accounts with beneficiary designations or trust ownership transfer outside of probate. Accounts titled solely in the deceased's name require the estate's legal representative to work with HSBC's Death Claims / Bereavement (716-841-6866) to access and distribute the funds.

HSBC provides an online portal for initiating death claims, which can simplify the initial notification and document submission process. Claims can also be started by phone or by mailing the required documents.

Deposit, investment & retirement accounts

Here is the step-by-step death claim process at HSBC:

Filing a claim

1Call HSBC bereavement line at 1-888-662-4722 or book an appointment with a Wealth Relationship Manager through the HSBC online dashboard
2Provide deceased customer's full legal name and Social Security number
3Describe your role with the estate (executor, administrator, next of kin)
4HSBC will verify your identity with valid photo ID and certified proof of residential address
5HSBC will advise on required documentation based on estate type and state law
6Submit certified death certificate and court-issued authority documents
7For non-U.S. resident decedents: additional transfer certificate requirements apply (see HSBC guidance document on transfer certificates)
8HSBC reviews documentation and processes account distribution

Required Documents

  • Certified death certificate
  • Letters Testamentary or Letters of Administration or Certification of Appointment
  • Government-issued photo ID (passport or driver's license) for personal representative
  • Certified proof of residential address
  • Small estate affidavit (where applicable based on state law)
  • Trust agreement (if applicable)
  • Birth or marriage certificate or legal name change proof (if name differs)
  • Bank forms for transferring funds (provided by HSBC)

International callers: 716-841-6866. Documentation requirements vary by state. Separate guidance available for estates involving non-U.S. resident decedents, including transfer certificates. You can also book an appointment with a Wealth Relationship Manager through the HSBC online dashboard at us.hsbc.com/online/dashboard.

Mortgage and home lending

Mortgages and home equity loans are liabilities, not assets. They do not have beneficiaries and cannot be retitled to a trust. When a borrower dies, the loan obligation transfers with the property to whoever inherits it. Under the federal Garn-St. Germain Act, the lender cannot accelerate the loan or call it due when the property transfers to a surviving spouse, child, or the borrower's revocable trust.

1Notify HSBC of the borrower's death by calling Mortgage Customer Service at 1-855-527-8400 or the bereavement line at 1-888-662-4722
2Provide the deceased borrower's full legal name, Social Security number, and loan number
3Submit a certified copy of the death certificate
4Describe your role with the estate (executor, administrator, heir, or next of kin)
5HSBC will advise on required documentation based on estate type and state law
6Complete and return the Successor in Interest documentation with proof of your ownership interest in the property (e.g., probated will, court order, deed, or trust document)
7HSBC will review your documentation and confirm your status as a Successor in Interest
8Once confirmed, you will have access to loan information and can discuss options: continue making payments, apply for loss mitigation, assume the loan, refinance, or pay off the balance
9If experiencing payment hardship, contact the HSBC SPOC Team at 1-855-806-4657 for loss mitigation assistance
10Continue making monthly mortgage payments during the review process to avoid default

Required Documents

  • Certified copy of the death certificate
  • Government-issued photo ID (passport or driver's license) for the heir or personal representative
  • Confirmation of residential address (certified per HSBC requirements)
  • Documentation proving ownership interest in the property (one or more of the following): probated will naming you as heir, court order of succession, recorded deed transferring ownership, trust document showing you as successor trustee or beneficiary
  • Letters Testamentary or Letters of Administration (if going through probate)
  • Marriage certificate (if surviving spouse)
  • Birth certificate or legal name change documentation (if name differs from estate documents)

Under the federal Garn-St. Germain Depository Institutions Act (12 U.S.C. 1701j-3), HSBC cannot enforce a due-on-sale clause when the property transfers to a surviving spouse, child, relative upon death, or the borrower's revocable living trust. Confirmed Successors in Interest are treated as borrowers under CFPB mortgage servicing rules. For hardship and loss mitigation: HSBC SPOC Team at 1-855-806-4657. Premier mortgage service: 1-855-806-4660. General bereavement line: 1-888-662-4722.

Processing timelines at HSBC: Varies based on complexity, jurisdiction, and completeness of documentation. Incomplete documentation is the most common cause of delays—submitting all required documents with the initial claim helps avoid additional processing time.

HSBC requires several documents to process a claim, including Certified death certificate, Letters Testamentary or Letters of Administration or Certification of Appointment, and Government-issued photo ID (passport or driver's license) for personal representative, and additional documentation depending on the account type. Certified copies are typically needed—photocopies are generally not accepted for death certificates or court documents.


Frequently asked questions

Call HSBC's dedicated bereavement line at 1-888-662-4722 (available 24/7) or book an appointment with a Wealth Relationship Manager through the HSBC online dashboard. You will need the deceased customer's full legal name, Social Security number, and information about your role with the estate. For international calls: 716-841-6866. Detailed guidance is available at us.hsbc.com/help/bereavement/.

HSBC typically requires a certified death certificate, Letters Testamentary or Letters of Administration, valid government-issued photo ID, and certified proof of residential address for the personal representative. Requirements vary by state. For small estates, a small estate affidavit may be accepted. For non-U.S. resident decedents, additional transfer certificate requirements may apply.

HSBC's Death Claims / Bereavement can be reached by phone at 1-888-662-4722 for questions throughout the claims process.

If the deceased held multiple HSBC accounts, each may require a separate claim or have different documentation requirements. The Death Claims / Bereavement can confirm which accounts require individual attention and which can be processed together.

HSBC

Subsidiary of HSBC Holdings plc

us.hsbc.com →
HSBC logo
Phone716-841-6866
Toll-Free1-888-662-4722
Mailing Address

HSBC Premier Service Center, P.O. Box 22, Buffalo, NY 14240

WebsiteLearn more →
Phone716-841-6866
Toll-Free1-888-662-4722
Mailing Address

HSBC Premier Service Center, P.O. Box 22, Buffalo, NY 14240

WebsiteLearn more →

Death Claims / Bereavement

Phone716-841-6866
Toll-Free1-888-662-4722
Mailing Address

ATTN: Legal Paper Processing, HSBC Bank USA, N.A., 2929 Walden Ave, Pole C84, Depew, NY 14043

WebsiteNotify online →
Verified Mar 2026

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SimplyTrust is not a law firm and does not provide legal advice, legal counsel, or attorney review. Information on this platform is for general informational purposes only. Use of SimplyTrust does not create an attorney-client relationship. You are solely responsible for all documents you create. For advice tailored to your circumstances, consult a licensed attorney in your state.

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