Unless your loved one's money is in a joint account – where the surviving joint owner becomes the sole owner – any funds held in their name will be frozen after their passing.
You can get in touch with their bank or building society to learn whether they are willing to release funds to the executor or administrator of the will to help pay for the funeral.
Many High Street banks and most building societies will often agree to this and will arrange to pay for the funeral services directly. If you need help understanding how to access funds works, we are available to give you advice.