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Joint accounts pass to the surviving holder in most cases. Credit union balances covered by a nomination pass up to €27,000, and up to €18,000 can be released under the small payments provision where there is no nomination. Life policies with a named beneficiary pass outside the estate. Each bank sets its own small estate threshold, and they vary.
The honest answer is a range, and it depends on the estate. Five questions for a realistic picture.
From the paperwork starting to the estate distributed.
Disagreements, or beneficiaries who are hard to trace, can add months and sometimes far more. It is exactly the situation to bring to us early, quietly, before positions harden.
An estimate for guidance, not a commitment. Every estate is different, and Probate Office times change through the year. Ranges reflect Courts Service processing times, reviewed July 2026.
Bring us the list↗Valuations, account balances at the date of death, pension and policy letters. Then the Revenue Statement of Affairs, the Probate Office queue, and collecting and distributing. A property sale adds the most.
The Probate Office returns applications with unanswered queries to the back of the queue. A tidy application through a solicitor is the reliable route, not the slow one.
Ten minutes with the account names and rough balances, and we will tell you straight whether a grant is needed. Institutions apply their own procedures; this page is a first read, not a determination.
Bring the death certificate and whatever paperwork you have. We take it from there, and we keep you posted at every stage.