It may be possible to re-arrange your finances before you die so that your estate comes under the special rules explained above for smaller estates. If for example you had $16,000 in one or more accounts with the same bank, you could transfer some of this money to an account with a different bank so that you now have less than $15,000 with each of the two banks. This will avoid the cost and time involved in applying to the High Court to get probate for your will, or letters of administration if you don’t have a will.