In today's digital world, many people manage their finances, communications and personal memories online. After someone dies, their digital accounts may need to be closed, transferred or memorialised. This guide explains what happens to online accounts after a death and the practical steps you may need to take.
Start by identifying the online accounts the person used.These may include:
Having a list will make it easier to manage each account.
Most social media platforms have procedures for reporting a death. Depending on the platform, you may be able to:
Each provider has its own policies and may ask for proof of death.
Email accounts often contain important information about finances, subscriptions and personal contacts. Access depends on the provider's terms and conditions, and some companies may not allow access without legal authority.
Contact the bank directly rather than trying to access online banking using the person's login details.
The bank will explain the next steps and what documentation is required.
Remember to cancel any regular payments or subscriptions, including:
This helps prevent unnecessary charges.
Contact the mobile phone provider to discuss:
Many families wish to preserve photographs and important documents stored online. Check the provider's policies before attempting to access or download files.
After a death, criminals sometimes attempt identity fraud.To help reduce the risk:
Using another person's passwords may not be permitted under the provider's terms and conditions. Contact the company directly for guidance.
Many platforms allow accounts to be memorialised or permanently removed following proof of death.
It's a good idea to identify and review all subscriptions as soon as possible to avoid unnecessary payments.