If a family member who had accounts, cards, investments, or a pension plan with a Spanish bank has passed away, you'll likely need to go through what's called a "testamentaría."
This is the process, carried out with the bank, of identifying everything the deceased held there, whether that's bank accounts, deposits, cards, securities, pension plans, or insurance products, and then liquidating or distributing those assets among the heirs.
It's not a simple process. It takes real effort, some specific knowledge, and time to get right, and there are deadlines along the way that you need to keep in mind.
