Provide documents to the bank: Death certificate (legalized/translated if foreign), succession certificate, valid IDs and NIFs of each heir, and the notarial deed.

Bank procedures: Local branches (including those in Lualaba) will freeze the decedent’s account, then re-open equivalent accounts in the heirs’ names.

Foreign-currency or diaspora accounts: You may repatriate funds under the Investment Code’s free-transfer guarantee, paying only the 0.2 % exchange-control fee via a licensed bank.