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Unblocking and claiming the deceased's bank holdings in an inheritance

Unblocking and claiming the deceased's bank holdings in an inheritance is filed with Documento privado entre las partes. With Managora you do it 100% online: you answer a few questions, sign a digital mandato (power of representation) and we draft, sign and file your application for you. Estimated total cost: €199 to €450. Official tasa (government fee): Tasa 006 (official fee, paid through the AEAT gateway) for requesting the preliminary insurance and Últimas Voluntades certificates from the Ministerio de Justicia.

We handle the unblocking of the deceased's accounts with their banks from start to finish. Skip the tedious bureaucracy of each bank's probate department and use us to request the certificates of holdings, the release of balances, securities and insurance policies, with no surprises and no trips to the branch.

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Estimated total cost
€199 to €450
Managora's fee
€240.79 (21% VAT incl.)
Tasa (official government fee)
Tasa 006 (official fee, paid through the AEAT gateway) for requesting the preliminary insurance and Últimas Voluntades certificates from the Ministerio de Justicia. (suplido: paid to the authority on your behalf, no VAT)
Processing time
For the preliminary steps (the Certificado de Últimas Voluntades, last will register certificate, and the insurance certificate), the application cannot be filed until 15 working days have passed since the death, and the Administración de Justicia has 7 working days to issue them. The final decision time for the banks is not regulated by these rules.
Where it is filed
Documento privado entre las partes ↗
What you receive
Application

Cost breakdown: Our fee from 199 € (the price may vary depending on the number of banks and heirs involved). The official fees (Tasa 006) for the Ministerio de Justicia certificates are not included..

Unblocking and claiming the deceased's bank holdings in an inheritance: how is it filed?

  1. 11. Fill in the form with the deceased's details and your own as the applicant.
  2. 22. Upload whatever basic documentation you have. If you are missing the death certificate, the Últimas Voluntades certificate or the insurance certificate, we will obtain them first.
  3. 33. We will identify all of the deceased's holdings (balances, funds, insurance policies, shares) by asking the banks for the 'Certificado de Posiciones' (certificate of holdings) as at the date of death.
  4. 44. We will run the probate file with each bank to request the legal release of the funds.
  5. 55. Once the bank approves and the tax has been settled, the funds will be paid into the account or accounts designated by you and the other heirs.

Which documents do you need?

  • •Valid DNI or NIE of the applicant and a copy of the deceased's DNI
  • •Full death certificate
  • •Certificado de Actos de Última Voluntad (last will register certificate) and Certificado de Contratos de Seguros de Cobertura de Fallecimiento (death-cover insurance contracts certificate), if you already have them
  • •Certified copy of the will or, failing that, the Acta de Declaración de Herederos (declaration of heirs)
  • •Deed of partition and allocation of the estate (if already done)
  • •Proof of payment of the Impuesto de Sucesiones (inheritance tax)
  • •Passbook, card or bank receipts in the deceased's name that help identify the accounts (recommended)

Legal basis and things to bear in mind

  • The bank claim procedure requires you to wait at least 15 working days after the death before the necessary preliminary certificates can be obtained from the Ministerio de Justicia.
  • Our work is based, among other rules, on the requirements of the Código Civil (Civil Code) and the Ley del Notariado (Notaries Act) for evidencing balances and protecting the legal security of the inherited estate.

Unblocking and claiming the deceased's bank holdings in an inheritance: frequently asked questions

Unblocking and claiming the deceased's bank holdings in an inheritance: how much does it cost?

The estimated total cost (our fee + official tasas and taxes) is €199 to €450: Our fee from 199 € (the price may vary depending on the number of banks and heirs involved). The official fees (Tasa 006) for the Ministerio de Justicia certificates are not included.. Managora's fee is €240.79, 21% VAT included (€199.00 net + €41.79 VAT). The official tasa charged by the authority (a suplido paid on your behalf, no VAT) is: Tasa 006 (official fee, paid through the AEAT gateway) for requesting the preliminary insurance and Últimas Voluntades certificates from the Ministerio de Justicia..

Unblocking and claiming the deceased's bank holdings in an inheritance: how long does it take?

For the preliminary steps (the Certificado de Últimas Voluntades, last will register certificate, and the insurance certificate), the application cannot be filed until 15 working days have passed since the death, and the Administración de Justicia has 7 working days to issue them. The final decision time for the banks is not regulated by these rules.

Unblocking and claiming the deceased's bank holdings in an inheritance: which documents do I need?

You need to have to hand: Valid DNI or NIE of the applicant and a copy of the deceased's DNI, Full death certificate, Certificado de Actos de Última Voluntad (last will register certificate) and Certificado de Contratos de Seguros de Cobertura de Fallecimiento (death-cover insurance contracts certificate), if you already have them, Certified copy of the will or, failing that, the Acta de Declaración de Herederos (declaration of heirs), Deed of partition and allocation of the estate (if already done), Proof of payment of the Impuesto de Sucesiones (inheritance tax), Passbook, card or bank receipts in the deceased's name that help identify the accounts (recommended). You do not upload them here: we collect the details through the guided chat.

Who files the procedure?

Managora files it in your name with Documento privado entre las partes. You only provide the details through the chat and sign a mandato (power of representation); we prepare, sign and register it.

Can it be done online?

Yes. The whole process is online: you answer a few questions in the guided chat, sign a simple mandato on screen and receive the receipt and the official documents by email, with full legal validity.

Related procedures

Based on the legislation in force and on the official site of the competent authority: Documento privado entre las partes ↗.

Shall we get started with «Unblocking and claiming the deceased's bank holdings in an inheritance»?

We file it for you, from start to finish.

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