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I assume the accounts are in her sole name.
If she has a Will then the accounts shall pass according to how she has directed in her Will, so you will have to check at home and possible with any solicitor she instructed in the past to see if there is one. Also ask any other close friends.
If she died without a Will then she dies "intestate". This would meant that all her estate (inc accounts) would pass to you in their entirety.
If the accounts/her estate are greater than approximately £5000.00 then you will have to apply for a grant of probate (if she has a will) or letters of administration (if she does not). Check with the banks to see whether the amounts are small enough for them to release to you without seeing a grant under their "small estates" policy.
There is lots of info on probate for lay persons here:-
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