Deceased Estate

Farm Business Customers
Rabobank Online Savings Customers

Farm Business Customers

Before you notify us

When an account owner passes away you will need to provide us with a certified copy of the Death Certificate.

We will also need the following:

Full name of the deceased customer, and details of account numbers, if possible
A certified copy of the Will, if applicable
Your proof of identification

This allows us to start the process of finalising the Estate.

How to notify us

Contact the account manager or the local branch and they can provide guidance about the process and assist you with any general inquiries.

Once you notify us and provide a certified Death Certificate, a debit block will be placed on any deposit accounts solely held by the deceased. This means:

No money can be taken out of the accounts
Credit amounts continue to be credited to any deceased estate accounts

We can only accept certified hard copies of documents.

Please provide all documents to your account manager or local branch.

You can also call our Regional Call Centre, who will put you in contact with your local branch:

Phone 1800 025 484

MON – FRI 6am - 8pm (AEDT)

or call your local area manager directly

If you're overseas, you can call +61 2 8115 2240

How to request information about the deceased’s account(s)?

All requests for information about a deceased’s accounts(s) must be in writing from the Executor or Administrator or their legal representative.

To request information about a deceased’s account(s), please issue your request in writing to your account manager or the local branch and include the following documents:

Certified copy of the deceased’s Death Certificate
Certified copy of the deceased’s last Will and Testament or evidence of application for Letters of Administration
If none of these is available, please tell us the reason so we can consider if exceptions can be made
Certified copy of Executor or Administrator's photographic identification
Where a legal representative is involved, evidence of authority to act on behalf of the Executor or Administrator

Any requests for information will be produced in writing within 14 days of receiving the above documents.

Finalising Estate

To make instructions in respect of the deceased's account(s) , please issue your request in writing signed by the Executors or Administrators to your Branch and include the following documents:

Account Entity Type	What documents you need
For all types	Certified copy of the deceased's Death Certificate Certified copy of the Probate or Letters of Administration Certified copy of the deceased’s last Will and Testament, or evidence of application for Letters of Administration if Probate or Letters of Administration have yet been granted Certified copy of Executor/Administrator's photographic identification Where a legal representative is involved, evidence of authority to act on behalf of the Executor or Administrator In addition:
Business account(s)	If relevant to your claim, certified copies of company extracts or other documents evidencing directorship and authority to give instructions for the company If the account is to be closed, a copy of a bank statement of the account you wish to transfer the funds of the estate to If the request is to keep the account open, but with new details, please include this in the written instructions
Trust/SMSF accounts	Certified copy of the full Trust Deed Deed of variation evidencing new appointments, if applicable If the account is to be closed, a copy of a bank statement of the account you wish to transfer the funds of the estate to
Individual/Joint Accounts	A copy of a bank statement of the account you wish to transfer the funds of the estate to If this is a joint deposit/transaction account that is not held by a Partnership nor connects with any loan products, and the request is for this account to stay open solely under the remaining account holder, simply provide the following documents only: Written instructions advising us to change this account to one name only, signed by the remaining account holder Certified copy of the deceased's Death Certificate

We will be in contact should we require any further information.

If you have any questions, please contact the account manager or local branch. We are here to help.

What happens next:

Once we have received all the required documents listed above, we will begin our review. You will receive a letter outlining the outcomes of your instructions within 14 days.

Rabobank Online Savings Customers

Losing a loved one can be difficult and we want to do everything we can to make it as stress free as possible.

How to contact us?

Please contact us via the details below:

Call our Regional Call Centre on 1800 445 445 or

Email our team who handle Deceased Estates directly at ROSDataManagement@rabobank.com or

Post your documents to GPO Box 4715, SYDNEY NSW 2001

What documents do we need for the process?

When an account owner passes away, we will need the following documents, dependent on the account entity type held with Rabobank:

Account Entity Type	What documents you need
Joint account	If you are a Joint account holder with the deceased and you do not hold an individual account already with Rabobank Online Savings, we can transfer the account into your name. The documentation required: Certified copy of the deceased’s Death Certificate A signed request in writing, detailing the account be changed into your name only and any account details that will help us identify the accounts of the deceased Alternatively, we can close the account on your behalf and send funds to the linked bank account. We may need to call you to in order to confirm other details on your account are up to date such as your contact details.
For all other account types	Certified copy of the deceased's Death Certificate Certified copy of the Probate or Letters of Administration Certified copy of the deceased’s last Will and Testament, or evidence of application for Letters of Administration if Probate or Letters of Administration are yet to be granted Certified copy of the Executor / Administrator's photographic identification If you are the Executor of the Estate, please also provide: A signed letter detailing your request for information and any account details that will help us identify the accounts of the deceased If you are a Solicitor acting on behalf of the Executor, please provide: Signed instructions from the Executor(s) stating that the Solicitor is acting on their behalf A written request on the Solicitor’s letterhead detailing the request for information and any account details that will help us identify the accounts of the deceased In addition:
Business account(s)	If relevant to your claim, certified copies of company extracts or other documents evidencing directorship and authority to give instructions for the company If the account is to be closed, a copy of a bank statement of the account you wish to transfer the funds of the Estate to. This account must be in the same name as the Rabobank account If the request is to keep the account open, but with new details, please include this in the written instructions
Trust/SMSF accounts	Certified copy of the full Trust Deed Deed of variation evidencing new appointments (if applicable) If the account is to be closed, a copy of a bank statement of the account you wish to transfer the funds of the Estate to. This account must be in the same name as the Rabobank account

This allows us to process the Estate. Any requests for further information will be communicated in writing within 14 days of us receiving the above documents. After we review these documents we will be in contact should we need anything further.

To get the process started quickly, you can email the above documents to our team who handle Deceased Estates directly at ROSDataManagement@rabobank.com

We also require physical hard copies to be sent to our postal address: GPO Box 4715, SYDNEY NSW 2001.

What happens to the accounts now that you have notified us?

Once you notify us, we will block all internet banking access to the accounts (excluding Joint accounts) and a debit block will be placed on the account(s) held by the deceased. This means:

No money can be taken out of the accounts
Credit amounts continue to be credited to any deceased Estate accounts

All Powers of Attorney and Third Party Authorities will cease once we are notified. Only the Executors / Administrators or the Solicitors involved with the Estate will be able to contact us and receive further information with regards to the Estate.

Finalising the Estate

We will be in contact either via email or a posted letter should we require any further information. Please ensure any emails received from ROSDataManagement@rabobank.com are not marked as junk or spam.

An email confirmation will be sent once all the relevant documents have been received and the Estate is finalised. Please allow 5 business days for any funds transfers to be completed. If you require any closing statements, please let us know and we will issue these in the next monthly cycle.

Please note that we can only electronically transfer funds as Rabobank Online Savings do not have the facilities to issue cheques.

Additional information and FAQs

What if I don’t have a Death Certificate?

Please send any certified copies of the documents stating the death of the deceased. This could be a medical certificate stating the death or a coroner’s letter confirming the passing. This would be required in conjunction with the above documents. Please see the What documents do we need for the process? section above.

Please post the required documents for our consideration to: GPO Box 4715, SYDNEY NSW 2001. However, to get the process started quickly, you can email documents to our team who handle Deceased Estates at ROSDataManagement@rabobank.com

How do I get a certified copy of a document?

Please see our Rabobank Certification Reference Sheet here

What if the deceased does not have a valid Will?

In this scenario, we can accept certified copies of documents showing you are applying to be the Executor(s) of the Estate through the use of the Letters of Administration. This would be required in conjunction with the above documents. Please see the What documents do we need for the process? section above.

Please post the required documents for our consideration to: GPO Box 4715, SYDNEY NSW 2001.

For more information about this process, please see the Public Trustee or the Supreme Court website for your respective state.

What if I do not wish to show the application of Letters of Administration and there is no Will?

These circumstances would be handled on a case-by-case basis and in some instances, you may be required to complete a Deceased Estate Indemnity form

This would be required in conjunction with the above documents. Please see the What documents do we need for the process? section above.

Please post your documents for our consideration to: GPO Box 4715, SYDNEY NSW 2001.

How can I access funds for funeral or Estate expenses (before finalising the Estate)?

We can release funds from the deceased’s account(s) to pay for funeral or any Estate expenses.

We will need the following:

A certified copy of the deceased’s Death Certificate
A certified copy of the Last Will and Testament
A certified copy of Executor / Administrator's photographic identification
A copy of the invoice for the funeral or Estate expenses
A bank statement showing the account you wish the funds to be transferred to
A completed Deceased Estate Indemnity Form

You can email the above documents to our team who handle Deceased Estates directly at ROSDataManagement@rabobank.com