If you hold a bank account jointly with your spouse, civil partner, or another person, you may be concerned about what will happen should one of you pass away. Will you still have access to the account? Do you own all of the funds in the account? What forms part of the deceased’s estate? We understand that this may already be a difficult time for you, so in this article, we set out simply what happens to a joint bank account under Scottish Law when one party has passed away. Please note that different rules apply under the law of England and Wales to joint accounts held there.