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How to unblock an ABN AMRO account

ABN AMRO has a specialised bereavement team in Amersfoort. One central point of contact for every step from reporting to payout.

By Laurens De Leeuw4 min readPublished on 4 March 2026

Rather not face this paperwork alone? Nalenta guides you through it for 129 euros.

Step 1: report the death

Notify the death via abnamro.nl/nalatenschap or by phone to the Service Center Nalatenschappen.

Have ready:

the death certificate;
the deceased's account number;
your own ID.

From that point outgoing payments are blocked. Incoming payments still arrive normally.

Step 2: receive the welcome pack

Within 10 business days you receive a welcome pack by post containing:

an overview of all products the deceased held with ABN AMRO (accounts, investments, mortgages, insurance);
the balance per product on the date of death;
the tax certificate you need for the inheritance tax filing;
a form to register the heirs.

Step 3: provide the documents

For balances above a few thousand euros ABN AMRO asks for:

a certificate of inheritance or executorship;
ID for the proxy or all heirs;
for investments, an instruction to sell or transfer the holdings.

Below the threshold a signed self-declaration is often accepted.

Step 4: mortgage at ABN AMRO?

If the deceased had a mortgage at ABN AMRO, the Service Center automatically checks whether an insurance is attached that pays off (part of) the mortgage. If yes, it is paid out and the mortgage is reduced.

Without insurance, the mortgage continues and the heirs or partner must keep paying or sell the home.

Step 5: choose the destination

Pay out, divide or transfer to the partner. ABN AMRO completes within 5 to 10 business days of receiving the documents.

Tip

ABN AMRO publishes an inheritance brochure on abnamro.nl. It carries the most current threshold amounts and forms. Print it and keep it with your documents.

Frequently asked questions

What about a child savings account managed by the deceased at ABN AMRO?

An account in a minor's name with the deceased as administrator is technically outside the estate but inside the inheritance tax filing on the child's side. The Service Center guides the transfer to the legal representative.

How long does the whole process take on average?

From reporting to payout: 4 to 8 weeks for a simple estate with a certificate of inheritance ready. With investments or a mortgage, expect up to 3 months.

About the author

Laurens De Leeuw, Founder of Nalenta

Overmere, Berlare (Flanders, Belgium)

Laurens was born and raised in Flanders (Overmere, Berlare). He settled three estates in his own family himself, including his father's in 2023. That experience pushed him to study Belgian inheritance law for two years and then build Nalenta, the platform he wished he had found at the time. Laurens is a web and UX developer by training, has lived in Belgium his entire life and speaks Dutch, French and English fluently.

Laurens is not a notary and not a legal adviser. What you read on this blog is not legal advice; it is the clear explanation he wished he had received when he first faced an inheritance declaration. For your specific situation, we always recommend consulting the official sources or working with a professional.

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