IMPORTANT: UBank deceased estates are managed centrally by the NAB Bereavement Support team.
Step 1 – Notify NAB Bereavement Support team as soon as you can.
Alternatively, visit the Australian Death Notification Service – a national, government service which enables you to securely notify multiple organisations (finance, insurance, utilities, etc.) in one action.
Note: NAB is currently centralising all notification of death processes across the organisation. In the meantime, you may need to separately discuss this case with other parts of NAB, if the deceased was a customer of nabtrade, JBWere, Medfin, HICAPS or NAB Insurance.
Step 2 – To protect the estate, we will block all accounts owned solely by the deceased, which will prevent further debit transactions, including fees, direct debits and periodical payments. This includes removal of any redraw capacity in home loan facilities which the deceased may hold jointly with another borrower. Until they’re closed, they’ll continue to receive credits (like interest and deposits).
Step 3 – Before we can provide any details, we’ll first ask for proof of death (e.g. a death certificate or ADNS notification) and proof of authority to act for the estate.
Also, as each estate is different, the type of documents we'll need may vary. We’ll be in touch to discuss this.
Step 4 – Once we've confirmed the authenticity of the estate representative(s), we will provide detailed information about the accounts held in the sole name of the deceased and make changes to the accounts as instructed by the estate representative. We may request additional documents at this stage depending on the circumstances.
Step 5 – We finalise the Estate. Once we receive all the required documents, we’ll close the relevant deposit account(s) and transfer any funds as per the estate representative's instructions. With home loans, if you’re planning on refinancing the loan, or to add or remove a borrower, let us know and we’ll help with the changes.
Keep in mind, with joint home loans, you’ll continue to receive statements and any correspondence addressed to yourself and the deceased’s estate, unless you refinance to a single borrower loan.
To finalise the Estate, we will ask for the Deceased Estate form below to be completed by the Estate Representative (e.g. an Executor, Solicitor) and sent along with certified copies of required documents (which may be verified) to firstname.lastname@example.org.
Unless an Estate Representative is a UBank or NAB customer, certified copies of photo ID of each Estate Representative should be posted to:
NAB Bereavement Support
GPO Box 2067
Melbourne Victoria 3001
When we request copies of documents, such as a Will, we need them to be certified. For information on how to certify documents correctly, please check out the links below.
If there are sufficient funds available in a personal deposit account, you can ask us to pay directly to the funeral service to help cover funeral expenses. If you’ve already paid the funeral expenses, you can ask us for a reimbursement. If there aren’t enough funds in the account, we can still make a part payment with the money available.
To do this, we’ll need to receive an email from either:
The email will need to include the tax invoice (if you haven’t paid for the funeral) or a tax receipt (if you have already paid). You’ll also need to include a certified copy of the Death Certificate.
If there are surplus funds left in the account after funeral expenses have been paid, you’ll need to provide a completed Deceased Estate form along with the required supporting documents to retrieve those funds.
Person(s) appointed by the Supreme Court to manage a deceased person’s Estate where there is no Will. They’re responsible for administering the deceased person’s estate.
Grant of Probate
Letter of Administration (LOA)
Reseal of Probate
A Will is a legal document that clearly sets out a person’s wishes for the distribution of their assets after they pass away.
If there is no Will, the Next of Kin will need to act on behalf of the Estate or an Administrator will need to be appointed by the Supreme Court in the State or Territory where the assets are held.
For any complaints relating to the handling of deceased estate, visit https://www.nab.com.au/contact-us/feedback for information about the procedures for lodging a complaint with NAB.
If you subsequently feel that the issue has not been resolved to your satisfaction, you may contact our external dispute resolution scheme. External dispute resolution is a free service established to provide you with an independent mechanism to resolve specific complaints. Our external dispute resolution provider is the Australian Financial Complaints Authority (AFCA) scheme and can be contacted at: