What happens to your digital accounts if you die/become infirmed?

[111prez]

Some food for thought: What happens to your social media accounts if you die?

DIto sa Tsikot, can one's heirs/successors gain access to the account?

[K.I.L.L.]

I think there is a feature on facebook for people who have passed away called memorialisation.

[1D4LV]

i guess, it would depend on the partner if it is to continue.
my high school classmate who died last february had his account continued by his wife.

pero ako, personally, tingin ko, magiging inactive lang. di na gagalawin ito ni esmi.

[yebo]

if they know the password then why not. my very good friend died last year, his FB account is being maintained by his eldest daughter.

pero may mas important dyan. ang dapat isa pang alam ng heirs is the ATM PIN. dapat alam ng asawa o anak, or closest relative na kung mawawala ka e dun mo din naman gusto iwanan ang naitabi mo ang PIN ng atm mo. at kung checking account naman, magiwan ka ng isang blank check sa isang envelop na i-open lang pag namatay ka na, and of course keep track of the balance din naman so they know what amount to write on the check. saves your heirs the trouble of getting your money from the bank (and preventing the government to take part, or even all of it if you die intestate.) if it is a non-atm or non-checking account, enroll it with internet banking, and leave the password with your spouse. then link it to an account where they can transfer the amount later via internet.

[Phoenix67]

Technically bawal galawin ang pera sa bank ng namatay - lalo na kung hindi naman joint account. It has to undergo a court process as inheritance.

[CVT]

if they know the password then why not. my very good friend died last year, his FB account is being maintained by his eldest daughter.

pero may mas important dyan. ang dapat isa pang alam ng heirs is the ATM PIN. dapat alam ng asawa o anak, or closest relative na kung mawawala ka e dun mo din naman gusto iwanan ang naitabi mo ang PIN ng atm mo. at kung checking account naman, magiwan ka ng isang blank check sa isang envelop na i-open lang pag namatay ka na, and of course keep track of the balance din naman so they know what amount to write on the check. saves your heirs the trouble of getting your money from the bank (and preventing the government to take part, or even all of it if you die intestate.) if it is a non-atm or non-checking account, enroll it with internet banking, and leave the password with your spouse. then link it to an account where they can transfer the amount later via internet.

Good points bro.yebo....

20.4K:froggy:

[1D4LV]

if they know the password then why not. my very good friend died last year, his FB account is being maintained by his eldest daughter.

pero may mas important dyan. ang dapat isa pang alam ng heirs is the ATM PIN. dapat alam ng asawa o anak, or closest relative na kung mawawala ka e dun mo din naman gusto iwanan ang naitabi mo ang PIN ng atm mo. at kung checking account naman, magiwan ka ng isang blank check sa isang envelop na i-open lang pag namatay ka na, and of course keep track of the balance din naman so they know what amount to write on the check. saves your heirs the trouble of getting your money from the bank (and preventing the government to take part, or even all of it if you die intestate.) if it is a non-atm or non-checking account, enroll it with internet banking, and leave the password with your spouse. then link it to an account where they can transfer the amount later via internet.

actually, this was one of our problems when my dad died... walang nakakaalam ng PIN. i think he had some 80k stashed in there. goin thru the process on having that transferred to my mom would be time consuming and would entail expenses na baka pag tinuloy, aabutin ng mga 30k. so hinayaan na lang namin.

phoenix, correct, but kung atm lang naman, how would they know?

[jodski]

Technically bawal galawin ang pera sa bank ng namatay - lalo na kung hindi naman joint account. It has to undergo a court process as inheritance.

actually, this was one of our problems when my dad died... walang nakakaalam ng PIN. i think he had some 80k stashed in there. goin thru the process on having that transferred to my mom would be time consuming and would entail expenses na baka pag tinuloy, aabutin ng mga 30k. so hinayaan na lang namin.

phoenix, correct, but kung atm lang naman, how would they know?

And pag pinabayaan on a prescribed period of time I just can't remember how long sa guideline ng BSP... The money left in the bank by the deceased person will be given to the government....

[yebo]

10 years dormant the money gets reverted to the bsp.

bawal nga, even if joint kasi you need to state that the co-owner of the account is still alive. but that is why you do it not inside the bank premises where the bank manager will see you. kaya nga atm, checking and internet banking.

my late father had more than 500k in his atm. when he died we just widrew the money 40k at a time (his widrawal limit) and deposited it to our mom's account. no hassle. at the end what was left was "barya", an amount the atm could not dispense (less than P100). of course we did not let the bank find out that he already passed away.

[Retz]

It will be in limbo.

[_Cathy_]

It will be in limbo.

#retzing

[Monseratto]

A HS Batchmate of mine died in a car crash last year. His FB account is still open. His family would post their event pictures to "show" him how they are doing....

[Retz]

^

creepy cguro pag biglang nag post dun ung hs batchmate mo sir mon.

[brainmafia_310]

if they know the password then why not. my very good friend died last year, his FB account is being maintained by his eldest daughter.

pero may mas important dyan. ang dapat isa pang alam ng heirs is the ATM PIN. dapat alam ng asawa o anak, or closest relative na kung mawawala ka e dun mo din naman gusto iwanan ang naitabi mo ang PIN ng atm mo. at kung checking account naman, magiwan ka ng isang blank check sa isang envelop na i-open lang pag namatay ka na, and of course keep track of the balance din naman so they know what amount to write on the check. saves your heirs the trouble of getting your money from the bank (and preventing the government to take part, or even all of it if you die intestate.) if it is a non-atm or non-checking account, enroll it with internet banking, and leave the password with your spouse. then link it to an account where they can transfer the amount later via internet.

buti na lang ako ibabaw lang nga main cabinet namin nakalagay. it will save a lot of trouble to my family if i die. alkansya lang kasi ipon ko eh.

[Retz]

sa bank account naman naka joint account. so it should be no problem.

[BratPAQ]

A HS Batchmate of mine died in a car crash last year. His FB account is still open. His family would post their event pictures to "show" him how they are doing....

may mga tao kumukuha ng picture ng patay habang nasa kabao, ipopost kaya nila yun sa facebook nya? better yet gawing profile pic?

[Retz]

^

creepy naman yan sir.

[yebo]

may mga tao kumukuha ng picture ng patay habang nasa kabao, ipopost kaya nila yun sa facebook nya? better yet gawing profile pic?

tapos gawin mo na gif image, didilat bigla yung mata

[vinj]

may mga tao kumukuha ng picture ng patay habang nasa kabao, ipopost kaya nila yun sa facebook nya? better yet gawing profile pic?

Yung tipong mukhang "selfie" ang pic.

Yung iba, naiwan lang while the other accounts i know, their wives or families deleted it.

But yes, if you have a lot of assets, better to plan the contingencies should you meet the eventuality of death earlier than expected. Mahirap for your family to "fix" things and access accounts, especially if you don't have good relations with the banks, and with other family members.

[Retz]

paano ung mga ibang tao na may madaming dummy accounts?