Paano makukuha ng mga tagapagmana ang deposito ng namatay (estate tax hold)?

Gawin na ngayon — hakbang-hakbang

Nasa Ingles ang mga hakbang sa ibaba.

1. Check the date of death. Within ONE YEAR of it, the bank may allow a withdrawal subject to a 6% final withholding tax without prior estate-tax clearance (RA 10963; BIR RR 12-2018). After that year, expect to settle the estate first.
2. Ask the bank IN WRITING for its exact documentary checklist, and for confirmation of the balance as at the date of death. Every bank publishes its own list — getting it in writing is what stops a second and third trip.
3. Gather the usual core: PSA death certificate, proof of heirship (extrajudicial settlement or court order), and the heirs' valid IDs.
4. Do not treat the 6% as a bank charge. It is a final withholding tax the bank remits to the BIR against the estate's tax liability.
5. For full release beyond that initial withdrawal, settle the estate — extrajudicial settlement where the heirs agree and there is no will or debt dispute, payment of estate tax, then the BIR Certificate Authorizing Registration — and the bank releases to the estate or the named heirs.
6. If the bank refuses to act and will not put a reason in writing, escalate to the BSP.

Gastos: 6% final withholding tax on the amount withdrawn (remitted to the BIR, not a bank fee).

To: [bank name] — Re: Account of the late [full name of depositor], account no. [number]

I am the [relationship] of the depositor named above, who died on [date]. Please (1) note the death on the account; (2) confirm the balance as at the date of death; (3) send me your complete documentary checklist for the release of a deceased depositor's funds to the heirs; and (4) confirm whether a withdrawal within one year of death, subject to the 6% final withholding tax (RA 10963; BIR RR 12-2018), is available on this account. Please reply in writing to this email address, with a reference number and a named contact.

[Your full name]