The death of a deposit account holder must be communicated promptly to the credit institution where the account is held.

The heirs may have access to such account provided that they prove their status as heirs to the credit institution. The credit institution should inform them of the documents they must provide (for example, death certificates and certificates of inheritance).

Institutions are not allowed to charge fees exceeding 10% of the Social Support Index (IAS), i.e. €53.71 according to the value of the IAS in 2026, to issue a certificate of inheritance due to the death of a current account holder.