When it comes to sorting out the assets for a deceased estate, the most important financial institution that should be prioritised first should be banks. Why?

Gaining appropriate access to the bank account allows for sufficient payment of remaining bills and expenses, as well as its distribution to beneficiaries. The only people who have the legal right to manage the accounts are either the Executor of the Will, Administrator of OR a named solicitor.

Following these generalised steps will assist you in accessing and closing the respective bank accounts:

  1. Complete a  ‘Deceased Customer Notification’ form that can be found on the bank’s own website (if required in that respective bank)
  2. Go to closest Branch with forms and hand in the original copies of requested documents (listed below)
  3. After receiving letter from bank, mail in the rest of the required documents in the letter
  4. Accounts of deceased will be frozen until estates are finalised (the funds may be withdrawn before the settlement of estates, in the case of financial difficulties)
  5. Once estates are finalised, funds in the bank account will be distributed
  6. A request can be made for the remaining funds to pay off the loans or final bills

Joint accounts will continue as per normal (or you can also apply for transferral of name)

cba logo

Required Documents:

  • Death Certificate/ Medical Certificate
  • Will and/or Probate OR Letters of Administration
  • Funeral expense receipts
  • Personal ID if not a Commonwealth Bank customer: 3 x Level 1 or 2 Proof of Identification
  • 1 x Level 3 Proof of Identification
  • ‘Claim of Assets Held on Behalf of Deceased Customer’ Form completed
  • Authority to release assets from deceased estate
  • Consent by Beneficiary/Executor/Next of kin
  • Credit and/or debit and/or travel cards of the deceased
  • Passbooks in the name of the deceased
  • Personal cheque books in the name of the deceased

stgeorge logo

Required Documents:

  • Only one of the following
    • Death Certificate
    • Medical Certificate
    • Funeral Account
    • Probate or Letters of Administration
    • Disposal of Body Certificate
    • Coroner’s Report
  • Personal ID (if not a St George customer)
    • 1 x Level 1 or 2 Proof of Identification

westpac logo

Required Documents:

  • Westpac’s Customer Identification Document (CID)
  • Only one of the following
    • Death Certificate
    • Medical Certificate
    • Funeral Account
    • Probate or Letters of Administration
    • Disposal of Body Certificate
    • Coroner’s Report
    • Will with Probate
    • Personal ID if not a Westpac customer
      • 1 x Level 1 or 2 Proof of Identification
      • 1 x Level 1 or 2 or 3 Proof of Identification, which must have
        • Full name
        • Residential address
        • Date of Birth
        • Photograph
        • Signature

anz logo

Required Documents:

  • ANZ Customer Identification Process (CIP) Form
  • Death Certificate
  • Certified copy of the Will
  • Written Authority to Close Account Form signed by the 
    Executor/Administrator/Next of kin (for the bank to release funds)
  • Indemnity Form if Probation or Letters of Administration have NOT been granted
  • Probate or Letters of Admission
  • Medical Certificate
  • Funeral Account
  • Probate or Letters of Administration
  • Disposal of Body Certificate
  • Coroner’s Report
  • Will
  • Grant of Probate
  • Personal ID if NOT a ANZ Customer
    • 1 x Level 1 or 2 Proof of Identification

nab logo

Required Documents:

  • ‘Finalising a Deceased Estate With/Without A Will Form’
  • Deceased Customer Notification Form
  • Deceased Estate With/Without a Will Form
  • Medical Certificate/Coroner’s Report Listing Cause Of Death
  • Death Certificate
  • Certified copy of the Will
  • Death Notice From Newspaper (if available)
  • Funeral Invoice/Account
  • Customer Notification Form
  • Proof of Relationship
  • Personal ID (100 point ID check) if NOT existing NAB customer
    • Current Contact Information
    • 2 x Level 1 Proof of Identification
    • 1 x Level 2 Proof of Identification 

BOM

Required Documents:

  • Only one of the following
    • Death Certificate
    • Medical Certificate
    • Funeral Account
    • Probate or Letters of Administration
    • Disposal of Body Certificate
    • Coroner’s Report

BOM logo

Required Documents:

  • Deceased Customer Notification Form
  • Claim to Assets Form
  • Certified Copy of Identity Certification if NOT BankWest customers
    • 1 x Level 1 or 2 Proof of Identification (Photographic Identification)
    • OR 2 x Level 1 or 2 Proof of Identification (Non-Photographic) 

ingdirect logo

Required Documents:

  • Probate
  • Death Certificate
  • Indemnity Form if over $50,000
  • Letter of Direction signed by Executor/Administrator

hsbc logo

Required Documents:

  • Probate
  • Death Certificate
  • Letter of Authority signed by Executor/Administrator
  • Proof of Relationship
  • Certified Copy of Identity Certification
    • 1 x Level 1 or 2 Proof of Identification (Photographic Identification)

citibank logoRequired Documents:

  • Death certificate
  • Personal Name
  • Personal Contact Details

cua logo

Required Documents:

  • Death certificate
  • Probate
  • Will
  • Letter of Direction signed by Executor/Administrator
  • Certified Copy of Identity Certification
  • 1 x Level 1 or 2 Proof of Identification
  • (Photographic Identification) 

Bank

Fax Contact Link To Form

Commonwealth Bank

1300 784 293

1800 686 153

Checklist

Deceased Customer Notification

Certified Copies Identification Form

Claim Assets Held On Behalf of Deceased Customer

Consent By Beneficiary

Authority To Release Assets From Deceased Estate

St George Bank

02 9995 8025

02 9767 1164

Email for more information: estatesmanagement@stgeorge.com.au

Westpac

02 9767 0897

1300 130 240

Bereavement Booklet

Checklist

ANZ

1800 195 477

 1800 237 170

Customer Identification Process

NAB

N/A

 1300 911 451

Deceased Customer Notification

Finalising Deceased Estate With Will

Finalising Deceased Estate Without Will

Bank of Melbourne

9982 4142

03 9982 4126

Email for more information:  BOMestatesmanagement@bankofmelbourne.com.au

BankWest

 1300 734 203

13 17 19

Email for more information: deceased.estates@bankwest.com.au

ING Direct

 N/A

13 34 64

Unclaimed Monies Deceased Indemnity Form

HSBC

 N/A

1300 731 720

Mail for more information: HSBC Level 32, 580 George Street Sydney NSW 2000

Citibank

1300 301 304

13 24 84

Unclaimed Monies For Personal Account

CUA

N/A

13 32 82

Mail for more information: CUA Credit Union Australia Limited GPO Box 100 Brisbane QLD 4001