A deceased person’s deposit account should not be withdrawn or accessed through their card, app, or old credentials by anyone without authority. Notify the bank and follow its process for establishing who is entitled to administer the estate. Documents and processing times vary by bank and case.
Start by identifying the account and notifying the bank
- Gather the bank’s name, branch, account number if known, passbook, and identification documents for the person making the inquiry.
- Report the death at a branch or through the bank’s official channel, and request the document list for that specific account.
- Ask whether the bank requires a court order appointing an estate administrator, a will, or other documents, and which branch should receive them.
- Request proof that the case was received and keep a record of the documents the bank accepts.
Examples of published bank requirements
Kasikornbank publishes guidance for heirs and estate administrators. Example documents include a court order appointing an estate administrator, a certificate that the case is final, a will, national ID cards, a death certificate, and the deceased person’s passbook. If the passbook or account number is unavailable, the bank recommends submitting a request to search for account information. This is Kasikornbank’s guidance, not a rule for every bank. Contact the bank that holds the account to confirm its current documents and processing time.
Siam Commercial Bank also publishes guidance for estate administrators. Check its latest terms and confirm the documents directly with the bank before visiting. If there are several heirs, a will, or a dispute, seek legal advice before distributing the money.
Keep deposits separate from other types of property
Bank deposits, bonds, securities, and digital assets may have different custodians and transfer procedures. Inheritance tax is a separate issue from proving authority to the bank. Do not use tax documents as a substitute for the process required by the financial provider.