Deceased estates

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For a sole deposit account, when we receive the notification and death certificate, money won't be able to be withdrawn from the account (including direct debits or loan payments) until the estate is settled, but money can still be paid into the account.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

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

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

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.