There are rules and legislation about who is authorised after a death. As ING we follow these rules and legislation. That's why we always ask who the authorised person in the inheritance is.
"}},{"accordionList":[{"richBody":{"value":"The authorised person to handle the inheritance is usually the person who was married to the deceased, an heir, someone appointed by the family to handle the inheritance or an executor. This can be recorded in a Certificate of Inheritance or Executor.
"},"title":"Am I authorised?"},{"richBody":{"value":"If there is only 1 heir or executor, then this person is independently authorised.
If there are more heirs, then it can be wise to appoint 1 person to handle the inheritance. This person will be independently authorised to handle the inheritance on behalf of all the heirs.
Joint jurisdiction is recorded in a Certificate of Inheritance or Executor. This means that two or more people handle the inheritance together and all actions the take need to be signed off by all parties.
"},"title":"Independently authorised or joint jurisdiction?"},{"richBody":{"value":"When one of your parents passes away, it can be difficult for the remaining parent to handle the inheritance. As a child, you want to help your parent. When your mum or dad is the authorised person, then you can help your parent to report the death via their own ING app or My ING.
It is important that your mum or dad is logged in because we determine the necessary documents and next steps partially based on who is reporting the death (the person logged in). Often the documents required in case of a married/registered couple are less than when the heir is not the married/registered partner of the deceased.
If you're having difficulties reporting the death online, then you can always call our Bereavement desk together with your mum or dad.
"},"title":"Can I help my mum or dad with managing the products of the deceased?"}],"componentType":"accordion"},{"componentType":"sectionTitle","title":"Documents"},{"componentType":"paragraph","richBody":{"value":"You always need a Death Certificate to report a death.
In some situations, we also ask for additional documents. These documents are needed to confirm that you are authorised to handle the inheritance. Which documents are needed depends on the way of acceptance and the personal situation of the deceased. We follow the directive of the Nederlandse Vereniging van Banken (Dutch Banking Association).
You don't have any additional documents (yet)? That's not a problem. You can start reporting the death. If we ask for additional documents, then you can upload these later.
"}},{"accordionList":[{"richBody":{"value":"The Death Certificate (Akte van overlijden) is an official document which tells who the deceased was, when they passed away and has information about the marital status. You receive the Death Certificate via the funeral director, or you can request it from the municipality where the person passed away.
"},"title":"Death Certificate"},{"richBody":{"value":"A Certificate of Inheritance (Verklaring van erfrecht) is drawn up by a notary after someone passes away. The notary investigates who the heirs are, how they accept the inheritance and if the deceased had a will drawn up. The conclusion of this investigation is mentioned in the Certificate of Inheritance. It tells who the heirs are, how the inheritance is accepted and it's a way for the heirs and executors to demonstrate their rights and authorisation. You can request a Certificate of Inheritance via a Dutch notary. We follow the Dutch rules and regulations before we give someone access to the products of the deceased. It is possible that we ask for a Certificate of Inheritance in your situation.
"},"title":"Certificate of Inheritance"},{"richBody":{"value":"ING cannot act on a Last Will and Testament.
This document does not provide a complete overview of who is entitled to what. As a bank, we cannot determine whether there is more information on the inheritance elsewhere. We also cannot know whether all heirs are still alive or have rejected the inheritance and therefore have to claim anymore. The bank cannot investigate these matters. A notary, however, can. Even more so, it is their job to do so. They have the knowledge and capabilities to interpret a complex document such as a Last Will and Testament. This is why the bank can in some cases require a Certificate of Inheritance even though there is a Last Will and testament. We want to be absolutely sure we are dealing with the right people in this inheritance.
More NVB info on Certificate of Inheritance and Last Will and Testament
"},"title":"Last will and Testament"},{"richBody":{"value":"The Central Register of Wills (Centraal testamentenregister or CTR) is a Dutch register where all testaments are registered. The Extract from the Central Register of Wills tells if the deceased had a will drawn up, and if so, when and at which notary office. You can request a written extract free of charge via the form of centraal testamentenregister.
Be aware! We only accept a written request, a digitally requested statement is not accepted. It is, however, possible to upload or email the written request once you have received this from the Central Register of Wills. The digitally requested statement contains a waiver from the CTR that no assurances can be given with that statement. Therefore ING can't accept this digitally requested CTR statement.
The Certificate of Executor (Verklaring van executele) is a document drawn up by a Dutch notary. The Certificate of Executor is less extensive and cheaper than a Certificate of Inheritance. This certificate can only be drawn up if the deceased had appointed a executor in his will or in a seperate deed. The heirs and way of acceptance are not mentioned in this certificate. The Certificate of Executor shows who the deceased appointed as executor(s) and what the authorisations are. You can request a Certificate of Executor via a Dutch notary.
"},"title":"Certificate of Executor"},{"richBody":{"value":"A Waiver (vrijwaringsverklaring) is drawn up and provided by ING in eligible situations. This Waiver doesn't replace the Certificate of Inheritance or Executor. By signing the waiver you declare amongst other things that you want to handle the products of the deceased without an official document and that ING is safeguarded against any possible consequences, risks and claims.
"},"title":"Waiver"},{"richBody":{"value":"A European Certificate of Inheritance (Europese Verklaring van erfrecht) is drawn up by a notary in one of the European member states. Ireland and Denmark aren't member states. The European Certificate of Inheritance tells who the heirs are and who is authorised. It is valid for six months and is accepted in all languages. You can request this certificate from a notary in the European country where the deceased lived.
"},"title":"European Certificate of Inheritance"},{"richBody":{"value":"A Foreign Certificate of Inheritance (Buitenlandse Verklaring van erfrecht) is drawn up by a notary in the country where the deceased lived. This certificate tells who the heirs are and with it, the heirs and executors can demonstrate their rights and authorisation in the inheritance. A Foreign Certificate of Inheritance is only accepted in Dutch or English, the translation has to be done by a sworn translator. You can request this certificate from a notary or laywer in the country where the deceased lived.
"},"title":"Foreign Certificate of Inheritance"},{"richBody":{"value":"A legal opinion is a document drawn up by a Dutch notary in the Dutch language. This document is an extraction of the document made up by the notary in the country outside the EU where the deceased lived. It tells who the authorised person is to handle the inheritance. You can request this document via the ING Notary service.
"},"title":"Legal opinion"}],"componentType":"accordion"},{"componentType":"paragraph","richBody":{"value":"Is a Certificate of Inheritance really necessary? Follow the Dutch Banking Association (NVB) checklist to find out.
"},"textLinks":[{"text":"NVB guidelines","url":"https://www.nvb.nl/meer/verklaring-van-erfrecht-check-direct/"}],"title":"NVB Guidelines documents"},{"componentType":"paragraph","richBody":{"value":"Do you need a Dutch notary? You can use the ING Notary service.
"},"textLinks":[{"text":"ING Notary service","url":"https://www.nlnotariaat.nl/"}],"title":"ING Notary service"},{"componentType":"sectionTitle","title":"Accepting an inheritance"},{"componentType":"paragraph","richBody":{"value":"It is important to know how you want to accept the inheritance, before you arrange the products of the deceased. As an heir, you inherit the possessions, like a positive bank balance, but also possible debts.
There are 3 possibilities:
"}},{"accordionList":[{"richBody":{"value":"When you want to accept the total inheritance, then you choose to accept outright. You (together with possible other heirs) inherit all the possessions and debts of the deceased.
"},"title":"Accepting outright"},{"richBody":{"value":"When you don't want to be liable for any possible debts, then you accept the inheritance under the benefit of inventory. An important reason for making this choice is when you're not sure if there are more debts than possessions. Any possessions that are left after paying all the debts are inherited by the heirs.
If you want to accept under the benefit of inventory, then you submit a written statement to the court. It's also possible to arrange this via your own Dutch notary or via the ING Notary service. Submitting a statement, as well as arranging it through a notary, entails costs.
"},"title":"Accepting under the benefit of inventory"},{"richBody":{"value":"You don't inherited anything when you reject an inheritance. You're not liable for any debts, but you're also not entitled to any possessions. You're not involved with the handling of the inheritance. It is possible to report the death, but you won't gain access to the products of the deceased.
If you want to reject the inheritance, then you submit a written statement to the court. It's also possible to arrange this via your own Dutch notary or via the ING Notary service. Submitting a statement, as well as arranging it through a notary, entails costs.
"},"title":"Rejection"}],"componentType":"accordion"},{"componentType":"sectionTitle","title":"Joint account"},{"componentType":"paragraph","richBody":{"value":"Did the accountholder of a Joint account pass away? Then you still have to report the death. After reporting the death, you can change the Joint account to a Current account or you can terminate the account.
We don't block a Joint account, but be aware that we do terminate the personal means of payment of the deceased. Such as a debit card and My ING. Check that you, as a joint accountholder, have your own debit card and My ING. If you don't have My ING then you can request Digital Banking.
"}},{"componentType":"sectionTitle","title":"Third-party authorisations"},{"componentType":"paragraph","richBody":{"value":"Is there a third-party authorisation on the account(s) of the deceased? Be aware that this authorisation is terminated after reporting a death. This is also the case on a Joint account. A new third-party authorisation can be requested as soon as the Joint account is changed to a Current account.
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