{"type":"document","data":{"id":"55181c19-0e1b-430e-9dcf-468a169d7e5e","localeString":"en-GB","publishDate":"2024-04-12T09:30:35.493+02:00","contentType":"onecms:editorialPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Our colleagues will help you with the formalities and will respond to all your questions with professionalism."},"mainHeaderZone":{"componentType":"editorialHeader","coreHeader":{"title":"Death: ING is there for you","subtitle":"As soon as ING is informed of the death, it will be at your side to help you with the formalities. ING staff will assist you and answer all your questions professionally."},"backLink":{"textLink":{"url":"/en/individuals/my-life/tough-times","text":"Tough times"}},"date":"2023-10-09","readingTime":3},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"The bank's legal obligations"},{"componentType":"paragraph","richBody":{"value":"<p>As soon as ING is informed of the death, it is legally obliged to freeze the assets and/or strong boxes of which the deceased and any spouse were holder(s) or joint holder(s). And this is true regardless of the matrimonial property regime of the spouses. This is a measure designed to protect the interests of all the heirs.</p><table><tbody><tr><td style=\"vertical-align:top\"><p><strong>If the deceased was self-employed</strong></p><p>You should contact their accountant or chartered accountant. They will help you report the death to the Tribunal de Commerce Registrar, the direct taxation department, the VAT authorities and the pension fund for self-employed people. They will also help you with the formalities required to continue the business or wind it up.</p></td></tr></tbody></table><p> </p>"}},{"componentType":"sectionTitle","title":"Practicalities"},{"componentType":"paragraph","richBody":{"value":"<p><span><span><span><span><span><span>ING carries out a whole series of actions concerning assets.  <span>These various actions are part of its management of the estate file. </span></span></span></span></span></span></span></p><ul><li><span><span><span><span><span><span>Freezing of accounts, investment products and strong boxes</span></span></span></span></span></span></li><li><span><span><span><span><span><span><span>Drawing up and sending the tax inventory (tax list) to the tax authorities</span></span></span></span></span></span></span></li><li><span><span><span><span><span><span>Payment <span>of</span> authorised <span>invoices (on request)</span></span></span></span></span></span></span></li><li><span><span><span><span><span><span><span>Provision of the statutory advance to the surviving spouse/legal cohabitant (on request)</span></span></span></span></span></span></span></li><li><span><span><span><span><span><span><span>Receipt/verification of the certificate of inheritance</span></span></span></span></span></span></span></li><li><span><span><span><span><span><span><span>Contacting the heir in the event of outstanding tax or social security debts</span></span></span></span></span></span></span></li><li><span><span><span><span><span><span>Release of assets <span>(on the joint instructions of all heirs)</span></span></span></span></span></span></span></li><li><span><span><span><span><span><span><span>Inventory</span></span></span></span><span><span><span>/release of strong boxes</span></span></span></span></span></span></li></ul><p> </p><p><span><span><span><span><span><span>For more details on each of these points, consult our brochure below</span></span></span><span><span><span>.</span></span></span></span></span></span></p><p><span><span><span> </span></span></span></p>"}},{"componentType":"sectionTitle","title":"Solutions tailored to your needs during this period"},{"componentType":"paragraph","richBody":{"value":"<p><span><span><span><span><span><span>Given the unavailability of financial assets, ING&apos;s advisers will offer you suitable solutions <span>to deal with bills concerning the deceased and day-to-day expenses</span>.</span></span></span></span></span></span></p><p><span><span><span><span><span><span>If you are the spouse or legal cohabitant of the deceased, you can apply for an advance on your inheritance to cover the most common expenses (food shopping, miscellaneous expenses, etc.) </span></span></span></span></span></span></p><p><span><span><span><span><span><span><span>The amount of this advance <span>authorised by law corresponds to half the amount available in current, savings and term accounts at the time of death, with an absolute maximum of 5,000 euros</span>, all banks included.</span></span></span></span></span></span></span></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 &quot;Services&quot; 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":"Paying the bills after a death","body":"Read the article","image":{"transformBaseUrl":"https://assets.ing.com/transform/fbbec1d6-cef6-446a-a9ab-c31e9ac0646c/Overhead-view-of-bill-on-a-table-next-to-espresso-coffee-and-a-glass-of-water","type":"image","width":5616,"original":"https://assets.ing.com/m/2e568948bfe0c922/original/Overhead-view-of-bill-on-a-table-next-to-espresso-coffee-and-a-glass-of-water.jpg","extension":"jpg"},"date":"2023-09-28","link":{"url":"/en/individuals/my-life/tough-times/decease-bills"}},{"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"}}]}]}}}