How to Withdraw Money from Bank after Death of the Account Owner

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How to Withdraw Money from Bank after Death of the Account Holder

Do you have an inheritance that is locked up somewhere and becomes unaccessible just because the benefactor died? I am not talking about the inheritance format scam used by Nigerian scammers to dupe people. Most people leave money in their bank accounts without a trace, making it hard for their family to have access. In this post, I am going to share with you how to withdraw money from the bank after the death of the account holder.

It is no longer news that once a member of an extended or nuclear family passes on, there would always be a form of panic among the members of the family.

At first, the family will begin to mourn because they would no longer be seeing the presence of the deceased. However, as times goes on, life amongst the family members who were mourning your death will return to normal.

Everyone will be back to their jobs and continue where they left off before you died.


Don’t disturb the dead; disturb the bank


At this point, this is where they will begin to crave for the money which is still in your bank account left untouched.

Apart from the funds in which you left behind in your statement before death came, your family members will also begin to check if you had any other dealings which may bring money to the family.

Transactions such as life insurance, locker keys, investment details, properties, loans, borrowed money, and so on, with the highest of all being the deceased bank account information.



It is important to note that the bank account where the money is kept for future uses is the gateway to a person’s financial life. It gives full access to the bank account, which is very vital for survival for the family members.

There are different ways on how to withdraw money from the bank after the death of the account holder, and I will be discussing it as we move on.

For some ways, it is straightforward to get access to deceased bank details and get the money he/she kept there before her demise, while for some other means, it is quite tricky.

Why should we withdraw money after the death of the account owner?

Just to let you know, withdrawing money from a deceased bank account is much more simple than I outlined in this post, so don’t feel wary to try. Just go to your bank and tender all the materials they will ask of you; the process upwards becomes simpler.

Meanwhile, there are reasons why we should withdraw money from the bank after the death of the owner, and they include:

  1. For the money not to lie untouched
  2. The money to be used for essential things in the family
  3. For the deceased’s hard work not to be in vain.
  4. The bank – after a long period of time converts the asset into personal use. This is another way banks use to acquire more wealth for their institutions.
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Even in cases whereby they know that a deceased was not a good man during his time living in the world, the family members will still see reasons as to why they have to withdraw the dead’s money.

However, all families will not remove the money if they suspect that the money was gotten through ill means.

How to withdraw money from the Bank after the death of the Account Owner

There are different ways to withdraw money from the bank after the death of the account holder. I am going to start from the easiest of them all before I begin to go deep into the problematic ways.



Debit card Automatic Withdrawal

If the dead has an ATM card, then a quarter of the problem is already solved. However, if none of the family members can provide the pin to the ATM card of the deceased, then the problem continues in full swing.

ATM card, also known as a debit card, is a gateway through which you can obtain your money from the Automated Teller Machine (ATM).


withdraw money from a deceased account through ATM

The ATM method is legal


When you visit the bank to collect an ATM card, you will have to input a pin, which you will have to use to withdraw the money from your bank account through an ATM.

However, if you are the owner of an ATM card and you cannot recall your pin, then the debit card becomes useless.

The world is a global village, and things are improving daily. As things stand now, you can inform people you can trust your ATM card pin for assistance on withdrawal or future use.

If anybody, be it any of your family member or your friend, is aware of your ATM card pin, and then they can proceed to any ATM and withdraw all the deceased’s money even without his presence.

That is the beauty of this type of development we have in the world now. However, if you have no access to the deceased’s ATM card or pin, then you have no option other than to follow the manual method stated below to obtain the money of the deceased one.


The Manual Method

If the deceased person has no ATM or didn’t leave your name directly as the next of kin, there are several steps to withdraw money from the bank after the death of the account holder. I will show the steps below;



1 – Engage with the bank officials

The first step you will have to take If you are in search of how to withdraw money from the bank after the death is to visit the bank where the deceased has an account and begin a conversation with the bank officials.

After approaching the bank officials, ask them for the bank manager and, if possible, discuss this issue with him. Inform him that you would like to know the steps in which you will take to claim the monetary asset of the deceased.

If it is also possible, you can show the bank manager some form of evidence to show that you are not joking. The evidence may be in the form of a witness or a death certificate.

When you approach the bank bringing forth this kind of issue, the first action in which the bank will take is to make the account of the deceased dormant.

dormant account means that an account where withdrawal is not possible, but deposits are potential because it is still possible that some few credits may even get to the mind of the deceased.

2 – Submit the documents

Submitting the documents and pieces of evidence may vary if the account the dead was operating is either a single one or a joint one. However, it is most likely a single one, so we will first focus on the deceased using a separate account.

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As I said earlier, if the deceased is operating on a single account, what the nominee has to do is go to the bank with evidence, which is likely the death certificate of the deceased with another authentic proof in which the bank will believe.

Then the process of transferring the money to the nominee (the person going through all these processes) will begin while the account of the deceased will remain in a dormant state for about 6-12 months. However, this process differs according to the bank you are dealing with.


withdraw money from the bank after the death of account owner

Documents you need


Documents to be presented to the bank includes;
  • An application that the account holder is dead
  • A valid death certificate of the account holder
  • FIR copy indicating how the deceased passed away
  • Authentic photograph image of the deceased, which may be any acceptable id
  • Evidence of your relationship with the deceased account holder
  • Nominee KYC documents, which include your photo, pan card, and adhaar card.

Meanwhile, in a case whereby there is no nominee in the bank account, then the bank needs to clarify the valid owner of the money. In this case, they may request a written WILL, which will state clearly the owner of the capital.

Furthermore, in a situation whereby there is no WILL, then the bank will require that a succession certificate be brought from court serving as the legal document, which states the owner of the money.



Also, in a case whereby the account of the deceased is a joint account, here is what you should do:

If the first account holder has died, then what the 2nd account holder has to do is to make the bank aware of what has happened with an application clearly stating that the 1st account holder has died. The bank can make you, being the 2nd account holder, to be the 1st account holder so that you can have the gateway to obtain the money.

Note that there would also be some documents required of you as the 2nd account holder. They include:
  • The application clearly stating that the 1st account holder has died
  • Valid death certificate of the 1st account holder
  • FIR copy on how the 1st account holder died
  • Authentic and accurate photograph as id proof of you as the 2nd account holder.

Some essential questions like what if there is a disagreement among members of a family? Family members may disagree about the rightful person to inherit the money.

Even in cases where the nominee is stated in the account, the legal heirs still claim to make.

When this occurs, the family members have to head to court to apply for a succession certificate, which will make the legal heir emerge as the rightful owner of the money.

How to Avoid Problems of Bank Withdrawal after Death of Account Holder

To avoid problems when a particular family member dies, here are the things you need to take note of:

  • Endeavor that your family members know your ATM pin and bank details
  • Convert the bank account in joint names so that the other person can have easy access to the money
  • Endeavor to state a nominee as a legal heir to your cash
  • Write a WILL and make sure those who will benefit are indicated.


I hope this article on how to withdraw money from the bank after the death of the account holder has been helpful for those set of individuals looking for how to withdraw money associated with a family member.

It is essential to follow the necessary steps listed in this article for easy access to the money your family members own before their sudden demise.

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Joseph Chikeleze

Nice Guide bro. I never think of such but this post got me reading it from a to z.

Thanks a lot.

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