To make sure the deceased’s assets are protected, get in touch with us so we can update account information and discuss next steps.
3 steps to follow
1. Get in contact with us
2. Complete our notification form
3. Finalise the estate
We'll need either one of these forms completed by the next-of-kin:
Once completed, please return the form and all supporting documents to NAB Bereavement Support.
Other things to advise your clients
What happens when they don’t have the will
Depending on the value of their accounts, we may need a grant of representation from the Supreme Court in the state or territory where they lived.
What happens to their bank accounts
Accounts in the deceased's name only
We'll freeze all savings and transaction accounts solely owned by the deceased until the estate is finalised.
Once we've sighted the original death certificate, or received a certified copy, we'll transfer all accounts in joint names into the name of the surviving joint account holder.
If possible, we'll pay the credit card debt from funds available in the deceased's savings or transaction accounts.
If there was an additional cardholder on the account, they'll need to apply for a credit card in their own name.
Joint home loans
Let us know if there are plans to sell the property. If not, we can transfer the mortgage into the name of the surviving joint home loan holder.
This will require a new loan application and additional supporting documentation needs to be provided.
Joint personal loans
The joint account holder needs to continue making payments on this account. They can contact NAB Care on 1800 701 599 if they're having difficulty making the repayments.
Using their joint credit cards
If they're an additional cardholder of a credit card held in the deceased's name, they'll no longer be able to use their card once we're notified of the death.
They can apply for a new card in their own name in any of the following ways:
- Choose from our range of credit cards and apply online.
- Call us on 13 13 12.
- Visit their nearest branch.
When applying online or over the phone, they'll need to contact NAB Bereavement Support to let them know they've submitted a new application. They'll need to provide the new application reference number and old credit card number to prioritise the request for their new card.
How long it takes us to release funds
Once we've received all the required documentation and we've paid any outstanding debt, the balances from savings and transaction accounts will go towards the estate.
The length of time depends on how many accounts were held by the deceased and their value. It may take longer if we're waiting for a grant of probate.
Claiming funeral expenses
We'll need the funeral invoice so we can make the payment directly to the funeral home from the deceased's account.
If the funeral invoice has been paid, we'll need a copy of the receipt to reimburse your client. We can only reimburse your client if there are sufficient funds in their account.
Other expenses like catering, travel or headstones, won't be reimbursed.
List of documents you'll need to provide us
1. Completed Customer Notification Form.
2. One of the following documents:
- copy of the death notice from the newspaper
- an original or certified copy of the death certificate
- an original funeral account or invoice
- an original or certified copy of probate or letters of administration
- any certificate issued by the public trustee or trustee company authorised to do so.
3. All of these documents:
- Original or certified copy of the grant of probate (only required for estates over $50,000).
- Original or certified copy of the will or letters of administration if a will isn't available.
- The original funeral invoice if you need the estate to pay for the funeral expenses.
Note, all signatories must show 100 points of identification if they’re not existing NAB customers.
- Call NAB Bereavement Support on 1300 911 451.
- Send us an email at: NAB.Bereavement.Support@nab.com.au
- Visit us at your nearest branch.
- Send us a letter including the deceased's full name, date of birth, date of death, address and bank details (if known) to the following address:
NAB Bereavement Support
GPO BOX 2067
Melbourne Victoria 3001
If your client had any business with the following, you’ll need to contact them separately to finalise their accounts:
NAB Insurance - 13 22 95
NAB Cash Manager - 1800 036 171
NAB OnLine Trading - 13 13 80
Customer Care - 1800 701 599
National Australia Trustees - 1800 036 172
NAB Shareholder Services - 1300 367 647
NAB Business accounts - 13 10 12
NAB Broker (previously Homeside) - 13 22 18
Ubank - 13 30 80
MLC - 13 26 52 You can also contact MLC Trustee Claims if you're unsure your client held an insurance policy or had superannuation with MLC.
You'll also need to advise your client to contact a number of other organisations like phone companies, gas and electricity, council rates, Australian Taxation Office (ATO) etc.
Support quick links
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If you're overseas call +61 03 9208 5577