Do family members have to pay taxes when they go to the bank to withdraw money after death?

Hello, if this person had a deposit in the bank before his death, then now that this person has passed away, his family does not need to pay taxes when they go to the bank to withdraw money.

Deposit time, demand.

Nowadays, there are a variety of financial management methods on the market, and everyone will choose financial products that are suitable for them in life.

to finance your own life and earn another life**. In fact, although many financial products outside have high interest rates, the risks are not low, and most people do not touch these financial products when they are uncontrollable.

So don't you manage your money? In fact, bank deposits.

It can also be regarded as a type of financial management, such as fixed deposits.

When it comes to fixed deposits, they are divided into 3 months and 5 years, and many people will be entangled in the deposit time, so is it better to have a "fixed deposit" in the bank for 3 years or 5 years? It's a loss to make mistakes!

First of all, is it better to have a current account or a regular subscription? The answer is definitely good on a regular basis. Under the premise of safety, our deposits generally give priority to efficiency, and secondly, we also need a certain amount of liquidity to ensure that we need them from time to time.

If it survives, although it can be accessed at any time, and the liquidity is very high, the interest rate is indeed too low, and there is no financial management at all, but it only plays the role of custody by the bank. In accordance with the relevant regulations, the deposit period can still be withdrawn at any time, and there is no impact on liquidity. On the contrary, if there is no special reason in the middle of the process, it can generally be held to maturity.

or withdraw part early, and the remainder can still enjoy the regular interest rate.

As for saving for half a year, a year, or three years? It mainly depends on the period of inactivity of your funds, or investment planning. If the investment plan is vague and unclear, of course, a shorter term is more realistic.

Due to the unclear investment plan, it will inevitably lead to the possibility of early withdrawal, once there is an early withdrawal, the interest will be calculated according to the current interest rate, and more interest will be lost, and there is a feeling that the gains outweigh the losses. However, if the investment plan is very clear and the idle period of funds can be basically determined, it is definitely a 3-year period, because the 1-year interest rate is definitely lower than the 3-year interest rate. Under normal circumstances, even if the total interest is not as much as a 3-year interest even if you save three consecutive years, this is theoretical, and you can calculate it yourself if you don't believe it.

How to balance the contradiction between efficiency and liquidity if the investment plan is not clear? In fact, there is a better way to solve it easily, which is decentralized deposit. There are two forms, one is to divide a fund into multiple deposits, long-term and short-term combination allocation, short-term products are mainly to meet the needs of temporary funds; The second is to transfer and deposit funds that cannot be determined to other third-party financial management platforms, including currency **, and some innovative deposits, which not only have interest rates much higher than current interest rates, but also can be deposited and withdrawn at any time, with strong liquidity and relatively safe.

Through these combination deposits, the contradiction between efficiency and liquidity is effectively solved, so that you are no longer entangled.

Take the deceased's death certificate and a notarized certificate of your inheritance of the passbook, and then take your card and four copies of your ID card to the bank.

The notarial deed needs to be handled at your local civil affairs department, with the immediate family members and ID cards on the household registration book.

Legal analysis: There is no need to pay taxes, but inheritance notarization should be handled through a notary office or an inheritance lawsuit filed through the court, and the money should be withdrawn with a notarial deed or a judgment of the court.

Legal basis: Article 1127 of the Civil Code of the People's Republic of China The inheritance of the estate shall be in the following order:

1) 1st Order: Spouse, Children, Parents (2) 2nd Order: Siblings, Grandparents, Maternal Grandparents.

After the inheritance begins, it will be inherited by the first-order heir, and if the second-order heir does not inherit, if the first-order heir inherits, it will be inherited by the second-order heir.

For the purposes of this Part, the term "children" includes legitimate children, children born out of wedlock, adopted children and dependent stepchildren.

For the purposes of this Part, the term "parents" includes biological parents, adoptive parents and step-parents in a dependent relationship.

The term "siblings" as used in this Part includes siblings of the same parents, half-siblings or half-siblings, adoptive siblings, and step-siblings who have a dependent relationship.

Under the premise of not knowing the password of the deceased's bank card, it is impossible for the family to go directly to the bank to withdraw the money, and under normal circumstances, the bank will require everyone to provide the notarial certificate of inheritance notarized by the notary office before the deceased's deposit withdrawal procedures can be handled. It's just that some time ago, the central bank introduced a new policy, after the new regulations came out, if the deceased's deposit amount is less than 10,000 yuan, then the family does not need to provide a notarial certificate of inheritance, and only needs to rely on the deceased's death certificate, deposit medium, and the ID card and family relationship certificate of the deceased to withdraw from the bank. In addition, in the new regulations, the central bank also made it clear that major banks can reasonably determine the withdrawal amount that is exempt from providing notarial deeds of inheritance according to their actual conditions, but the maximum amount cannot exceed 50,000 yuan, so at present, different banks are different in terms of how much they can withdraw from providing notarial deeds of inheritance.

However, if the amount of money you withdraw exceeds 50,000 yuan, or exceeds the amount of exemption from the notarial certificate of inheritance stipulated by the bank, the procedures are more troublesome, and the following processes are usually followed. 1. Go to the police station to cancel the deceased's household registration and apply for a death certificate at the same time. 2. Go to the local neighborhood committee or police station to issue a certificate of kinship of the deceased.

3. Take the death certificate and kinship certificate to the local notary office to go through the inheritance notarization procedures, but there are several points that need to be paid attention to in the process of handling the inheritance notarization procedures. Clause.

1. In principle, all relatives with the right of inheritance must be present to sign; Clause.

2. If the relatives cannot be present to handle the notarization of the estate in person, they must provide a power of attorney notarized by the notary office; Clause.

3. If there is a relevant heir who renounces the inheritance, he must also provide a certificate of renunciation of the inheritance notarized by a notary public; 4. Handle the procedures for deposit withdrawal. After completing the notarization of the estate, one of the relatives can bring the notarial deed of the inheritance, the death certificate of the deceased and his or her own ID card to the relevant bank to go through the withdrawal procedures. Of course, if you don't know which bank the deceased has deposited in, you can also apply for a deposit inquiry letter at the notary office, and then take this deposit inquiry letter to the local banks to inquire one by one, and after finding the deceased's deposit, the bank will issue the corresponding deposit certificate, and then go through the inheritance notarization procedures.

As the saying goes, "birth, old age, sickness and death are human nature", when a loved one dies, how should the relatives withdraw the money deposited in the bank?

If you have a bank card or passbook, and the deceased's ID card has not been cancelled and you know the password, as long as you take the deceased's ID card, passbook or bank card, and go to the bank to withdraw money with the password, the bank will not block it. ‍‍

If you have a bank card or passbook, but you don't know the password, this situation is a little more complicated, because if you don't know the password, the bank will not allow you to withdraw the money. Since the deceased's deposit belongs to the inheritance, it is necessary for the notary office to notarize the identity of the heir, so you can go to the bank with the passbook, the deceased's death certificate and notarial deed. ‍‍

It is not known whether the deceased had deposits in the bank, and the bank will not notify the depositor after the deposit matures, and the depositor has died, and the children or partners may not know that the deceased has deposits in **. Because the deposit information can only be inquired in person, the heir must first go to the notary office to issue a "deposit inquiry letter", and then take the "deposit inquiry letter" and his ID card to the bank to check whether the deceased has a deposit in the bank, and if there is a deposit, and then withdraw the deposit according to the method mentioned in Article 2. ‍‍

If the deceased's ID card has been cancelled, or the password is not known, or multiple legal heirs have problems with the distribution of the estate, then the process is very complicated, and you have to go to the notary office in the middle. ‍‍

The deceased had just passed away, the ID card had not been cancelled, someone knew the password, and the legal heirs had no disagreement on the distribution of the estate. As long as you bring the depositor's deposit certificate, ID card, death certificate, and recipient's ID card to the bank to withdraw or transfer money. ‍‍

Those who have a bank card, passbook, deposit slip, etc., in their hands, and know the password. This is relatively simple, you can go directly to the bank to handle it, and the withdrawal is the same as usual. However, if the withdrawal amount is greater than 50,000 yuan, or if you want to withdraw money when the term is not due, you need to check the ID card of the depositor and the ** person, so when the balance of the bank card or passbook is greater than 50,000 yuan, it is recommended to withdraw it in installments.

The fixed deposit is withdrawn on the maturity date, and those below 50,000 yuan do not need to check the ID card. ‍‍

What should you do if you know or suspect that your deceased loved one has a deposit at a banking institution and does not have a passbook and credit card as proof? You can first go to the public security agency or notary office to issue a "Deposit Inquiry Form", and you can take the "Deposit Inquiry Form" and your ID card to the bank for inquiry; If it is found that the deceased relatives have deposits, they can go through the deposit withdrawal procedures according to the above-mentioned corresponding methods. ‍‍