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is the next of kin legally responsible for funeral costs no as a child of the deceased legally you have no obligation to hold a funeral and theres no law that states you have to pay for a ceremony so who legally has to pay for a funeral in most circumstances costs are covered by the deceased estate what happens to money in a bank account when someone dies with a valid beneficiary in place funds in a bank account go to the beneficiary that person will need to contact the bank and provide documentation to claim funds if the beneficiary dies before the bank account owner the assets typically go to the deceased estate foreign who pays for funeral if no money but who pays for the funeral if there is no money in the estate or a funeral plan is not in place if there arent sufficient funds in the deceased bank accounts or within the estate to pay for the funeral and they did not have a funeral plan then the family would normally cover the funeral costs does bank account go to next of kin ban