{"type":"document","data":{"id":"d609e535-aad3-4cef-a6c6-a47371e6fc32","localeString":"en-GB","publishDate":"2025-10-21T10:08:14.411+02:00","contentType":"onecms:editorialPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Upon request from the notary or the heirs, ING can use the inheritance funds held at the bank to pay certain bills before the accounts are released."},"mainHeaderZone":{"componentType":"editorialHeader","coreHeader":{"title":"How do you pay the bill arising out of a death and deal with day-to-day expenses?","body":"After death, certain costs must inevitably be paid.  Despite the legal obligation to freeze the assets of the deceased and his/her spouse (if married), ING offers you solutions to ensure that you are not left completely without any financial resources."},"backLink":{"textLink":{"url":"/en/individuals/my-life/tough-times","text":"Tough times"}},"date":"2025-10-21","readingTime":2},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Certain invoices can be paid using the frozen accounts:"},{"componentType":"paragraph","richBody":{"value":"<ul><li>funeral and related expenses</li><li>the deceased&apos;s last medical expenses (limited to the last year)</li><li>expenses relating to the deceased&apos;s last residence, including in particular (<strong>Please note</strong>: only bills falling due between three months before and six months after the date of death are eligible):<ul><li>the rent for the home or nursing home where the deceased resided</li><li>mortgage repayments on the deceased&apos;s home</li><li>water, gas, electricity, heating oil and fire insurance bills for the deceaced&apos;s home</li></ul></li></ul>"}},{"componentType":"sectionTitle","title":"What to do next?"},{"componentType":"paragraph","richBody":{"value":"<p><strong>Are you an ING customer with access to our ING Banking-app or Home&apos;Bank?</strong></p><p>If so, we invite you to make your payment request directly via the ING banking-app or Home&apos;Bank.</p><ul><li>Via <strong>ING Banking-app </strong>&gt; Services &gt; Do it yourself &gt; Life events &gt; Loss &gt; Pay bills after a death</li><li>Via <strong>Home&apos;Bank</strong> &gt; Services &gt; Do it yourself &gt; Life events &gt; Loss &gt;<strong> </strong><a href=\"https://ebanking.ing.be/banking/daily-banking/payment-for-a-deceased?flow-step=details-of-notifier\">Pay bills after a death</a></li></ul><p>If you do not yet have our ING Banking-app, please download it or use Home&apos;Bank to make your request.</p><p><strong>Not an ING customer or you don&apos;t have access to our ING Banking-app or Home&apos;Bank?</strong></p><p>In this case, please download, print and complete<span><span><span><span> </span></span><span><span><a href=\"https://assets.ing.com/m/22f929844623fe60/original/the-instruction-form-for-paying-a-bill-in-the-event-of-a-decease.pdf\">the instruction form for paying a bill in the event of a decease</a></span></span><span><span>.</span></span></span></span></p><p>Foresee a copy of both sides of the applicant&apos;s identity card.</p><p>Send this <strong>form, the invoices </strong>and the <strong>copy of both sides of the applicant&apos;s identity card</strong> by:</p><ul><li>Email to <a href=\"mailto:successions@ing.com\">successions@ing.com</a>; or</li><li>Letter to:<br />ING Belgium - Client Services Successions<br />Avenue Marnix 24<br />1000 Brussels</li></ul><p>Please note: If the deceased did not have a current account with ING, kindly contact their main bank.</p>"}},{"componentType":"sectionTitle","title":"Can a spouse or legal cohabitant apply for an advance?"},{"componentType":"paragraph","richBody":{"value":"<p>The spouse or legal cohabitant can ask ING to make an advance available to him or her.  This advance cannot exceed half of the credit balances on current, savings and term accounts, with an absolute ceiling of €5,000.</p><p>The maximum amount of the advance is the maximum amout for all banks conbined.  For example, if the spouse or legal cohabitant obtains an advance of €5,000 from ING, he or she can no longer apply for another advance from another bank.</p>"}},{"componentType":"sectionTitle","title":"Do you have any other questions?"},{"componentType":"paragraph","richBody":{"value":"<p>Chat with Ida, ING&apos;s digital assistant (in the <strong>Services</strong> menu in the ING Banking app).</p>"},"textLinks":[{"url":"https://assets.ing.com/m/7f5f2a6636523440/BrochureNalatenschapEN.pdf","text":"Download the brochure: 'Inheritance: all you need to know"}]}]},"complementaryZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Also interesting!"},{"componentType":"cards","cards":[{"componentType":"articleCard","cardType":"article","cardSize":"medium","title":"Who needs to be informed?","body":"Read the article","image":{"transformBaseUrl":"https://assets.ing.com/transform/ef946327-a075-4e82-8200-304e18bccb2e/decease-notification-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/1edecf2d45b5bc02/original/decease-notification-1920.jpg","extension":"jpg"},"date":"2023-09-28","link":{"url":"/en/individuals/my-life/tough-times/decease-notification"}},{"componentType":"articleCard","cardType":"article","cardSize":"medium","title":"What happens in practice at ING?","body":"Read the article","image":{"transformBaseUrl":"https://assets.ing.com/transform/e003ee33-37b0-4437-bc7f-10cc39ddf9e1/decease-formalities-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/16b54d80a6e17f32/original/decease-formalities-1920.jpg","extension":"jpg"},"date":"2023-09-28","link":{"url":"/en/individuals/my-life/tough-times/decease-formalities"}},{"componentType":"articleCard","cardType":"article","cardSize":"medium","title":"Releasing funds after a death","body":"Read the article","image":{"transformBaseUrl":"https://assets.ing.com/transform/7f311bd8-10dd-45a8-b0e1-107cd88d895d/decease-release-assets-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/30cfe8fece5ba83c/original/decease-release-assets-1920.jpg","extension":"jpg"},"date":"2023-09-28","link":{"url":"/en/individuals/my-life/tough-times/decease-release-assets"}},{"componentType":"articleCard","cardType":"article","cardSize":"medium","title":"Who has to prepare and submit an inheritance tax statement?","body":"Read the article","image":{"transformBaseUrl":"https://assets.ing.com/transform/e26b23c7-19fb-4994-a535-3e63bac81ca5/decease-inheritance-tax-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/242f19b513c440bf/original/decease-inheritance-tax-1920.jpg","extension":"jpg"},"date":"2023-09-28","link":{"url":"/en/individuals/my-life/tough-times/decease-inheritance-tax"}}]}]}}}