Deceased estates

What you should know, and how we can help.

We're here to help

Losing a loved one is one of life’s most heartbreaking moments. We’re here to help during this difficult time.  Our contact centre will assist you with any initial enquiries and will provide information about how to officially notify us about a loss and settling the estate. 

 

Telling us about a loss

It can be difficult letting people know that a family member or a friend has passed away, especially when you're experiencing grief and loss. If you don't feel ready to do this yourself, you can always ask a friend to help out.   

To officially notify us of a loss you will need to send a certified copy of the death certificate to our mailing address. Please don't send us the original document. 

Please note: This only notifies us of the death of an account holder.  If you need to request information about a deceased estate account or if you want to gain access to transact on the account, you will need to provide some additional documents.

Phone

13 30 30

(option 7)
Monday to Friday 8am - 8pm
Saturday and Sunday 9am - 5pm (AEDT)

Sole deposit accounts or loans

For a sole deposit account, when we receive the notification and death certificate, money won't be able to be withdrawn from the account (including direct debits or loan payments) until the estate is settled, but money can still be paid into the account.  

If you know of any direct debit payments being paid out of the account (excluding AMP loan repayments), please update the direct debit arrangement to pay from a different source of funds.

About joint deposit accounts

If you're telling us of the death of a joint deposit account holder, the surviving account holder will still be able to operate the account.  

When we receive the official notification documents, we will transfer the account to the name of the surviving account holder.  

About Joint loans

If you have a joint loan account, you'll still be able to operate the account and loan repayments will continue as normal.   

Joint signature required accounts

For joint deposit accounts with two account holders that have “all to sign” instructions, when we receive official notice of the death of one of the account holders and supporting documents, we’ll change to the account signing authority to “any to sign”. This means the remaining account holder can sign on their own.

Single-named deposit accounts or loans

When we receive notice of the death of an AMP Bank customer with a deposit account or loan in one name only, AMP Bank ceases charging and will refund back to the date of death all AMP Bank imposed fees and charges.  

Standard interest on loans continues to be payable.

Important: All Government fees, charges, taxes or duties will still apply. 

Joint deposit accounts or loans

For joint deposit accounts or loans, where there is a surviving party, the fees and charges will continue to apply. AMP Bank will not charge you for any changes that are required due to the change in your circumstances. 

Important: All Government fees, charges, taxes or duties will still apply. 

Below are the people who are authorised to represent the estate of the deceased:

  • Executor/s of the estate named in the will
  • Those appointed by Letters of Administration
  • Executor/s appointed by probate bond if issued where there is a will
  • A legal representative who has been instructed to act on your behalf of the above.

 

If you're only requesting information about a deposit account or loan belonging to the deceased, you need to provide some documents.

If you're an administrator of the will, you'll need to provide:

  • Certified copy of Letters of Administration; AND
  • Completed identity verification form and associated certified copies of your identity documents.

If you're an executor of the will (will only), you'll need to provide:

  • Certified copy of the will; AND
  • Certified copy of the death certificate; AND
  • Completed identity verification form and associated certified copies of your identity documents.

If you're an executor of the will (appointed by probate), you'll need to provide:

  • Certified copy of probate including the will; AND
  • Completed identity verification form and associated certified copies of your identity documents.

If you're a next of kin, you'll need to provide:

  • Certified copy of the death certificate; AND
  • Completed identity verification form and associated certified copies of your identity documents.

If you're a legal representative, you'll need to provide:

  • Certified copy of probate including the will; OR
  • Certified copies of the Letters of Administration; OR
  • Certified copy of the will and death certificate; OR
  • Certified copy of the death certificate.

Note:  We require the original certified copy of the documents to be mailed to use. Please do not send us original documents.

To act upon instructions for a deceased estate, the representatives (executor(s) named in a will or probate, person named in Letters of Administration or legal representative appointed on behalf of these parties) need to provide the following:

If you're an administrator of the will, you'll need to provide:

  • Letters of Administration.

If you're an executor of the will (will only), you'll need to provide a certified copy of:

  • Will; AND
  • Death certificate.

If you're an executor of the will (appointed by probate), you'll need to provide a certified copy of:

  • Probate.

If you're a legal representative, you'll need to provide a certified copy of:

  • Probate; OR
  • Letters of Administration; OR
  • Certified copy of the will and death certificate; OR
  • Will and death certificate; OR
  • Death certificate

In addition, the person authorised to represent the account must prove and AMP Bank will verify, their identity by:

  • Completing the Identification Verification form; AND
  • Providing a certified copy of 1 primary photo ID document; OR
  • A certified copy of 1 primary non-photographic ID document AND 1 secondary identification document.

You may be asked to provide additional documents depending on the amount deposited in the account. More information can be found in the tables below.

Note: Please do not send us original documents. All certified copies of documents must be mailed to us.

Verifying your identity

Where we need to verify your identity, you'll need to complete our identity verification form as well as provide certified copies of your identification documents. These are outlined in the identity verification form.

If you're not clear about what identification documents you need to provide, you can just call us on 13 30 30 (option 7).

Below is a table that provides examples of identity documentation that can be provided to us to verify your identity.

More information about verifying your identity

  • Proof of identity documents must be certified. For more information about certifying documents please refer to the identity verification form.
  • If the original document is not in English, it must be accompanied by an English translation prepared by an accredited translator.
  • All certified copies must be mailed to us at the address below. Do not send us the original documents. 
    AMP Bank
    Reply Paid 79702
    Parramatta NSW 2124
     

Documents we need from you to settle the estate - deposit accounts

Value of the amount in sole accounts at AMP Required documents Steps you need to take  What we will do
Less than $15,000
  • Certified copy of death certificate,
  • Certified copy of will,
  • Signed indemnity form
  • Letter of instruction signed by the executors of the estate
  • Identity verification form and certified copied of identification documents

Please send us the instructions and required documents to our mailing address.

AMP Bank
Reply Paid 79702
PARRAMATTA NSW 2124

 

We will process the instructions within 14 days of receiving all the relevant information and authorisations
$15,000 or more
  • Certified copy of probate / certified copy of Letters of Administration
  • Letter of instruction signed by the executors of the estate
  • Identity verification form and certified copies of identification documents 

Please send us the instructions and required documentation to our mailing address.

AMP Bank
Reply Paid 79702
PARRAMATTA NSW 2124

 

We will process the instructions within 14 days of receiving all the relevant information and authorisations

Important: The surviving joint account holder can continue to operate the account.  When you provide a certified copy of the death certificate, we will transfer the joint account into the name of the remaining account holder subject the terms and conditions of the account.

Documents we require from you to settle the estate - loans

Value of the amount in sole accounts at AMP Required documents Steps you need to take  What we will do
One person owns the property
  • Certified copy of death certificate,
  • Certified copy of the grant or probate / grant of Letters of Administration (stamped by the relevant Supreme Court)
  • Identity verification form and certified copies of identification documents

Please send us the instructions and required documents to our mailing address.

AMP Bank
Reply Paid 79702
PARRAMATTA NSW 2124

 

We will process the instructions within 14 days of receiving all the relevant information and authorisations

The property was owned jointly by two parties and one of the parties passes away.

In this instance the remaining owner will automatically acquire the ownership of the property

  • Certified copy of death certificate

Please send us the instructions and required documents to our mailing address.

AMP Bank
Reply Paid 79702
PARRAMATTA NSW 2124

 

We will process the instructions within 14 days of receiving all the relevant information and authorisations
Where two or more people own a property
  • Certified copy of death certificate,
  • Certified copy of the grant of probate / grant of Letters of Administration (stamped by the relevant Supreme Court)
  • Certified copies of identification documents

Please send us the instructions and required documents to our mailing address.

AMP Bank
Reply Paid 79702
PARRAMATTA NSW 2124

 

We will process the instructions within 14 days of receiving all the relevant information and authorisations

 

  1. Call or email us if you have any questions and we can help you.
              By phone: 13 30 30 (option 7)
              By email: deposits@amp.com.au 
  2. Gather the required documents and get certified copies of the original documents.
  3. To officially notify us of a loss you will need to send us a certified copy of the death certificate to our mailing address. Please do not send us the original document.
              AMP Bank
              Reply Paid 79702
              PARRAMATTA NSW 2124
    Please note: This only notifies us of the death of an account holder. If you need to request information about an account or if you want to gain access to transact on the deposit account or loan, you'll need to provide some additional documents.
  4. To request information about a deposit account or loan belonging to the deceased, you need to provide some documents.
    If you're an administrator of the will, you'll need to provide:
    • Certified copy of the Letters of Administration; AND
    • Completed identity verification form and certified copies of identification documents.
    If you're an executor of the will (will only), you'll need to provide:
    • Certified copy of the will; AND
    • A certified copy of the death certificate; AND
    • Completed identity verification form and certified copies of identification documents.
    If you're an executor of the will (appointed by probate), you'll need to provide:
    • Certified copy of probate including the will; AND
    • Completed identity verification form and certified copies of identification documents.
    If you're a legal representative, you'll need to provide:
    • Certified copy of probate; OR
    • Certified copy of the Letters of Administration; OR
    • Certified copy of the will and death certificate; OR
    • Certified copy of the death certificate.
    Note: Please do not send us original documents. We require the original certified copy o the documents to be mailed to use.
  5. If you want to transact on the account and haven't already done so, you'll need to provide the following.
    If you're an administrator of the will, you'll need to provide:
    • Certified copy of the Letters of Instruction; AND
    • Completed identity verification form and certified copies of identification documents.
    If you're an executor of the will (will only), you'll need to provide:
    • Certified copy of the will; AND
    • A certified copy of the death certificate; AND
    • Completed identity verification form and certified copies of identification documents.
    If you're an executor of the will (appointed by probate), you'll need to provide:
    • Certified copy of probate; AND
    • Completed identity verification form and certified copies of identification documents.
    If you're a legal representative, you'll need to provide:
    • Certified copy of probate; OR
    • Certified copy of the Letters of Administration; OR
    • Certified copy of the will and death certificate; OR
    • Certified copy of the death certificate.
    The AMP Bank team will contact you about any further steps and documents needed to manage the estate.Note: Please do not send us original documents. We require the original certified copy of the documents to be mailed to use.

Note: Do not send us original documents. All certified copies of documents must be mailed to us at:

           AMP Bank
           Reply Paid 79702
           PARRAMATTA NSW 2124

 

Glossary of terms

Term What it means
Administrator Person/s appointed by the court to manage a deceased person's estate where there is no will. 
Beneficiary A person who receives a share of the assets and property of a deceased estate.   
Certified copy

A document that is stamped and signed by an authorised official confirming that it is a true copy of the original.

Please refer to the identification verification form for more details.

Deceased estate Assets and property of someone who has died.
Death certificate An official document recording details about when someone passes away.
Executor Person/s named in the will and/or confirmed by grant of probate, to carry out the instructions specified in the will, ensuring all expenses (funeral costs, debts or any outstanding invoices) are paid and distributing the remaining assets to the beneficiaries in accordance with the will.
Letters of Administration

A legal document issued by the Supreme Court that allows the administrators(s) to manage and distribute the deceased estate.   

This document is issued when there is no will or there are issues with the executor(s) ability to apply for a grant of probate.

Grand of probate

The process of proving and registering in the Supreme Court the last will of a deceased person.

A Grant of probate is given to confirm that author of the will has died, the will is valid, the beneficiaries are entitled to benefit from the will and the executor is entitled to administer the estate.

Will A legal document that sets out the wishes for the distribution of assets and property after death

More support available

We understand that dealing with bereavement is difficult.  Please let us know if you are experiencing financial difficulties because of a bereavement. We will take our time to listen, understand your situation and do our best to help.

The following may help you at this time.

Details Link
Australian Government - What to do following a death humanservices.gov.au/individuals/subjects/what-do-following-death
To find the birth, deaths and marriages registry in your state

australia.gov.au/information-and-services/family-and-community/births-deaths-and-marriages-registries

Australian Tax Office - Information on deceased estates ato.gov.au/individuals/deceased-estates/
National Association for Loss and Grief nalag.org.au/
Losing your partner moneysmart.gov.au/life-events-and-you/life-events/losing-your-partner
Support for those grieving the loss of a partner

solace.org.au/

lifeline.org.au/  

Important information

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It’s important to consider your particular circumstances and read the relevant Product Disclosure Statement or Terms and Conditions before deciding what’s right for you. This information hasn’t taken your circumstances into account.

This information is provided by AMP Bank Limited. Read our Financial Services Guide for information about our services, including the fees and other benefits that AMP companies and their representatives may receive in relation to products and services provided to you. All information on this website is subject to change without notice.

The credit provider and product issuer is AMP Bank Limited 15 081 596 009, AFSL and Australian Credit Licence 234517.