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

[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.