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Bereavement Guide

Supporting you through tough times

We understand that it is always hard to cope with the passing of someone close and other sudden changes in life. You are not alone. We are here to guide and support you along the way to make the overwhelming process as smooth as possible.

Guiding you step by step
Step-by-step guide to the bereavement process
Step 1 Step 2 Step 3
Notifying the Bank of the death > Identifying the personal representative and enquiring about account balance > Obtaining Probate or Letters of Administration and dealing with the assets and liabilities of the deceased
Notifying the Bank and enquiring about account balance

It is important to keep us informed so that we can ensure that the related accounts of the deceased are frozen. As a first step, we will need the death certificate to update the account status.  Rest assured that once you have submitted the death certificate to us, sole-name accounts will be frozen and credit cards cannot be used further.

Next, you will need a certificate of balance of the deceased’s account for the purpose of applying for Probate or Letters of Administration. Please prepare the following required documents and submit them to one of our branches.

1. Identification proof of the deceased (e.g. HKID)

2. Identification proof of the relative requesting a Certificate of Balance (e.g. HKID)

3. Relationship identification documents of the relatives

a. Spouse – marriage certificate

b. Parents – birth certificate of the deceased

c. Children (must be at least 18 years of age) – birth certificate of the child

d. Siblings – birth certificate of both the deceased and the sibling

4. Contact details of the relative

Note: applying for Certificate of Balance may be subject to fees and charges

Presenting the Probate/Letters of Administration to us

Please present to us the Probate or Letters of Administration registered with the Probate Registry from the personal representative, and inform us of your instruction(s).

You can submit the documents via any one of the following channels below:

Settling of outstanding balance in accounts (Credit Cards, Overdrafts and Personal Loans)

The personal representative of the deceased has the right to administer the estate. In general, a personal representative is either an executor (with will) or administrator (without will). To settle the outstanding balance in the deceased’s accounts, please contact our Bereavement Team at +852 22821240 (Monday to Friday, 9:00a.m. to 5:30p.m., public holidays excluded) to discuss feasible options.

Refund of balances in credit card accounts

Fund transfers to the executor/administrator can be arranged once it has been confirmed that there are funds in the deceased’s credit card account(s) and that the liabilities with us have been settled. Please prepare the following required documents and submit them to one of our branches:

  1. Identification documents of the deceased (e.g. HKID)
  2. Identification documents of the executor(s)/administrator(s) (e.g. HKID)
  3. Probate or Letters of Administration registered with the Probate Registry (either one) (Note #2)
  4. Instruction letter

Complete the following refund instruction letter or write your personalized refund instruction letter. Please note the letter must cover all of the following items:

  • Name and identity number of deceased (e.g. HKID)
  • Name and identity number of all executor(s)/administrator(s) (e.g. HKID)
  • Purpose of the letter: request for refund
  • Refund channel: issuance of cashier order or deposit in the executor/administrator’s Standard Chartered Bank (Hong Kong) account (Note #3 and #4 below)

Please take note of the following important issues during the refund process:

  1. We must receive the Probate or Letters of Administration before we can handle credit products refund matters.
  2. The refundable balance is limited to what is listed in the Probate or Letters of Administration. If the account number, listed category or amount as of the date of death does not match our record, we cannot process the refund. Please note that if there is credit balance in the credit card account, it must be listed in section “A. Assets” in the Probate or Letters of Administration. We can only process refunds for accounts and credit balances that are clearly listed in the documents’ relevant section.
    Pursuant to section 60J of the Probate and Administration Ordinance (Cap.10) as listed in Warning session of the Probate or Letters of Administration, all companies, banks, firms and shops and other persons to whom a copy of this schedule may be presented should not deal with any property of the Deceased not set out therein. A person who fails to comply with section 60J commits a criminal offence and is liable to a fine and an additional penalty. If there is any mistake in the schedule in your Probate/Letter of Administration, you may consider revising the same and resubmitting to us. Please understand our limitations. For more details, please click here.
  3. Please note an administration fee would be charged for issuance of cashier order. If the executor/administrator chooses to receive cashier order, please provide us with your latest mailing address. Transferal method can only be used if the executor/administrator has accounts under Standard Chartered Bank (Hong Kong) Limited.
  4. Funds can only be moved from the deceased’s account(s) to the executor(s)/administrator(s) listed in the Probate or Letters of Administration. If there are two or more executor(s)/administrator(s) listed in the Probate or Letters of Administration, then a joint name account would be required.

It takes approximately 4 to 8 weeks to process the refund. We thank you for your patience and understanding throughout this period.