The information on this page relates to AMP Bank only (deposits and loans). For help with our deceased estates process for:
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.
You can contact us by:
Phone - 13 30 30 (option 7)
8am to 8pm, Monday to Friday and 9am to 5pm Saturday and Sunday (Sydney time)
Post:
Deceased Estates
AMP Bank
Reply Paid 79702
PARRAMATTA NSW 2124
To officially notify us of a loss you will need to send a certified copy of at least one of; the death certificate, letters of administration or grant of probate 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.
Sole deposit accounts or loans
For a sole deposit account, when we receive the notification of death, money won't be able to be withdrawn from the account (including direct debits or loan payments) until the estate is settled, but money can still be paid into the account.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:
We may release funds from the estate to pay immediate expenses such as funeral, medical or hospital accounts on receipt of satisfactory supporting documentation.
For funeral expenses, you’ll need to provide the original tax invoice. Other documentation may be required based on the type of expense.
Any request for payment of an expense would need to be made by a person authorised to represent the estate. Where we agree to release funds, we’ll pay the service provider directly. Funds won’t be released to reimburse expenses which have already been paid.
If you need assistance with payment of estate expenses, please contact us for further information.
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:
If you're an executor of the will (will only), you'll need to provide:
If you're an executor of the will (appointed by probate), you'll need to provide:
If you're a next of kin, you'll need to provide:
If you're a legal representative, you'll need to provide:
Note: We require the original certified copy of the documents to be mailed to us. 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:
If you're an executor of the will (will only), you'll need to provide a certified copy of:
If you're an executor of the will (appointed by probate), you'll need to provide a certified copy of:
If you're a legal representative, you'll need to provide a certified copy of:
In addition, the person authorised to represent the account must prove and AMP Bank will verify, their identity by:
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.
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 6).
Below is a table that provides examples of identity documentation that can be provided to us to verify your identity.
Deceased Estates
AMP Bank
Reply Paid 79702
Parramatta NSW 2124
Please send us the instructions and required documents to our mailing address.
Deceased Estates
AMP Bank
Reply Paid 79702
PARRAMATTA NSW 2124
Please send us the instructions and required documentation to our mailing address.
Deceased Estates
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.
Please send us the instructions and required documents to our mailing address.
Deceased Estates
AMP Bank
Reply Paid 79702
PARRAMATTA NSW 2124
Please send us the instructions and required documents to our mailing address.
Deceased Estates
AMP Bank
Reply Paid 79702
PARRAMATTA NSW 2124
Please send us the instructions and required documents to our mailing address.
Deceased Estates
AMP Bank
Reply Paid 79702
PARRAMATTA NSW 2124
1. Call or email us if you have any questions and we can help you.
By phone: 13 30 30 (option 7)
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 at least one of; the death certificate, letters of administration or grant of probate to our mailing address. Please do not send us the original document.
Deceased Estates
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:
If you're an executor of the will (will only), you'll need to provide:
If you're an executor of the will (appointed by probate), you'll need to provide:
If you're a legal representative, you'll need to provide:
If you're a next of kin, you'll need to provide:
Note: We require the original certified copy of the documents to be mailed to us. Please do not send us original documents.
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:
If you're an executor of the will (will only), you'll need to provide:
If you're an executor of the will (appointed by probate), you'll need to provide:
If you're a legal representative, you'll need to provide:
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:
Deceased Estates
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. |
| Grant 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 |
| 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/ |
For a sole deposit account, when we receive the notification of death, 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’re authorised to receive account information, you can ask us about direct debits and recurring payments on the account. If you already 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.
If you have concerns about whether a direct debit is authorised, you can ask us to investigate
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.
If you have a joint loan account, you'll still be able to operate the account and loan repayments will continue as normal.
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.
Monday to Friday: 8am – 8pm (AEST)
Saturday and Sunday: 9am – 5pm (AEST)
The product issuer and credit provider is AMP Bank Limited ABN 15 081 596 009, AFSL and Australian credit licence 234517.
It’s important to consider your 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. Information including interest rates is subject to change without notice.
Any application is subject to AMP Bank’s approval. Terms and conditions apply and are available at amp.com.au/bankterms or 13 30 30. Fees and charges may be payable. Full details are available in the Fees and charges guide.
This information is provided by AMP Bank Limited. Read our Financial Services Guide available at amp.com.au/fsg 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.
AMP Bank is a member of the Australian Banking Association (ABA) and is committed to the standards in the Banking Code of Practice.
A target market determination for these products is available on our TMD page.