Deceased accounts
We understand that managing financial matters may not be a priority right now. When you feel ready, our team is here to help you with the next steps in settling the accounts of our late customer.
Please know that we’re committed to making this process as straightforward as possible and supporting you every step of the way.
How to contact us
Content How to contact usYou can reach our Bereavement Support Team in the following ways:
- Phone: 0818 211 788 (Monday to Friday, 9:00 AM – 5:00 PM)
- Post: Bankinter Bereavement Support Team, Dublin Road, Carrick-on-Shannon, Co. Leitrim, N41V328
What to do when someone passes away
Content What to do when someone passes awayThere are three key steps in managing deposit accounts when someone dies:
- Gather the required documents.
- Notify us of the death.
- Access the deceased’s financial information and funds.
Begin processing
To help us begin processing the estate, we’ll need the following documents. In many cases, certified copies are required.
Death Certificate
You’ll need to provide the official death certificate (or interim certificate), issued by the Registrar of Births, Deaths, Marriages and Civil Partnerships. We require the original for verification or a certified copy from a solicitor.
Will
The will outlines how the deceased’s estate should be managed and who has been appointed as executor(s). If no will exists, the person managing the estate is typically the next of kin, known as the administrator. If there is a will, we need to see it to confirm who the executor(s) are.
Identification for the person dealing with the estate
You will need to provide certified proof of identity and address.
- Acceptable Photo ID (any one of the following):
- Passport.
- EU/EEA Driver’s Licence.
- EU National Identity Card (both sides).
- Proof of Address (any two of the following):
- A recent utility bill (e.g., phone, gas, electricity, waste collection).
- A statement from a regulated financial institution.
- Official correspondence from a government body (e.g., HSE, Revenue, Gardaí).
Below is a list of the documents needed to complete each step in the process. For all documents, we require either the original or a copy certified by a solicitor.
Notification of Customer’s Death form.
Once we've received the form and required documentation, we will place a stop on the deceased's account(s), which halts all payments in and out. Please note that under tax law, any deposit account previously exempt from DIRT will become subject to DIRT again upon the account holder's death.
You may still receive post in the deceased's name for a short time, due to legal or regulatory obligations. We appreciate your understanding and apologise in advance for any distress this may cause.
Release funds
We can release funds once all documentation and requirements have been met.
Timeframes vary, depending on the complexity of the estate and whether legal processes like probate are required.
- We can release funds once all documentation and requirements have been met.
- Timeframes vary, depending on the complexity of the estate and whether legal processes like probate are required.
Funeral expenses
If there are sufficient funds in the deceased’s sole account(s), we may release up to €5,000 to cover funeral expenses prior to the full estate being processed.
Eligible expenses
Content Eligible expensesEligible expenses include:
- Coffin.
- Funeral director services.
- Burial or cremation costs
We cannot release funds
Content We cannot release fundsPlease note that we cannot release funds for the following:
- Headstones.
- Memorial cards.
- Repatriation.
- Flowers.
- Beverages or catering.
To proceed with the release of funeral expenses, the following documentation is required:
- A written request from the executor(s), solicitor, or next of kin.
- An itemised invoice from the funeral director on official letterhead.
- A completed Funeral Expense Form
Releasing other funds
If the combined balance is €20,000 or less
Content If the combined balance is €20,000 or less- We can generally release funds without a Grant of Probate or Administration.
- If you have a grant, we’ll ask to see it.
- To proceed, we require Form Indemnity for release of Balanes From a deceased customer’s account , which includes an indemnity from the signatories. We recommend seeking legal advice before signing.
- We recommend seeking legal advice before signing.
If the combined balance is more than €20,000
Content If the combined balance is more than €20,000- A Grant of Probate (if there’s a will) or Grant of Administration (if there isn’t) is required.
- This can be applied for through the Probate Office of the High Court at +353 (0)1 888 6174.
- We will also require for the Payment Authorisation Form to be completed by the administrator(s) or executor(s), to release funds from the deceased’s account(s).
- If the beneficiary is tax-resident outside the Republic of Ireland and will inherit more than €20,000 in assets, they should appoint a solicitor practising in Ireland to handle the application for probate or administration.