Not sure Santander are a shining example :-)
My mate's dad died recently. He had a pension going into Santander and there was quite a few thou in the account. My mate has only just started the probate process (as he didn't think it was urgent) but he already has had the pension account dealt with and paid into his own personal account, just on production of a (copy maybe) death certificate.
He was surprised how easy it was to get the money (yes he would have had to provide ID etc but nevertheless...)
I like that Chile don't give overdrafts and credit cards. They are often the killers for youngsters.
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