Notify banks — freeze the accounts
Every bank where the deceased held an account must be notified so the accounts are frozen and standing orders and charges stop. At the same time, request a balance certificate as of the date of death — you will need it for the inheritance tax.
Steps
- List the banks where accounts or cards existed.
- Notify each bank with the death certificate — at a branch or by letter.
- Request a balance certificate as of the date of death from each bank.
- Ask them to cancel standing orders and subscriptions charged to the accounts.
Documents usually needed
- Death certificate
- ID card or passport
Frequently asked questions
What is a date-of-death balance certificate?
A bank document showing account balances exactly as of the date of death. You'll need it for the inheritance tax declaration — ask each bank for it on your first visit so you don't have to go back.
Can I withdraw money from the deceased's account?
Once the bank is notified, accounts are usually frozen until the inheritance is settled (certificates, inheritance tax). Don't make withdrawals after the death without guidance — it can create legal complications.
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