The Deceased Estate Bank Account Withdrawal process allows families to access money held in a loved one’s bank account after their passing. With the updated law taking effect in September 2025, banks can now release funds up to $40,000 without requiring probate or letters of administration, as long as the account was solely in the deceased’s name and all required documents are provided. Families will typically need to supply a certified death certificate, identification for the next of kin or authorised person, and any bank-specific withdrawal forms. If the balance is over $40,000, or if the person held other assets that legally require estate administration, probate or letters of administration may still be needed before the bank can release the funds. Once approved, the funds are paid to the estate or authorised representative, helping whānau manage funeral expenses, settle outstanding bills, or distribute the estate correctly. This process provides a simpler and more compassionate way for families in Auckland and across New Zealand to access essential funds during a difficult time.

If your family is experiencing financial difficulty, you may also be eligible for a KiwiSaver Significant Hardship Withdrawal, Estate Withdrawl Kiwisaver Deceased, WINZ Funeral Grant, or the ACC Accidental Death Grant.