For institutions
Guide families through an account holder's estate. From the first call to the final transfer.
When an account holder passes away, their family faces frozen accounts, documentation requirements they have never encountered before, and a process to navigate at the worst possible moment. How your bank handles that experience shapes whether their trust in you transfers to the next generation alongside the assets. Meolea is the estate preparation and guided handover platform that changes what families arrive with, so your team can focus on relationships rather than paperwork.
The business case
A better bereavement experience. A stronger next-generation relationship.
Faster estate account settlement
When families arrive with proof of inheritance, account details, and contacts already organised, your team resolves cases faster and with fewer back-and-forth requests. Estate procedures that typically span weeks can close in significantly less time.
The relationship transfers with the assets
Account holders who prepare their estate inside your banking environment give their heirs a guided, low-friction handover. When the family experiences that, they already know and trust your bank. That is the most natural moment to become a customer themselves.
Lower inbound volume at the hardest moment
Frozen accounts generate repeated calls from distressed families who do not know what documents they need or where to begin. Meolea automates the guidance layer so families arrive at your branch or portal substantially better prepared, reducing unnecessary contact at peak volume.
One integration, records that stay current
Connect Meolea to your core banking and CRM systems via API. Account holder contact details, beneficiary designations, and estate preferences stay current across the relationship — no manual reconciliation at claim time.
How it works
Embedded handover
Your account-holders prepare
Account holders organise their financial documents, name their trusted contacts, and record any specific instructions — under your brand, in their language, at their own pace.
Meolea holds it safely
Documents and instructions are encrypted and stored on EU infrastructure in Germany. Our systems sync with yours so contact and account information stays current throughout the customer relationship.
Handover runs itself
Routine estate guidance, document checklists, and notification steps run without manual effort from your team. Your advisors and estate handlers focus on the cases that genuinely need their attention.
Account holders die without preparing. Banks and families carry the burden.
When a current account, savings account, or investment portfolio belongs to someone who has died, access freezes until the estate is formally settled. For families, this means gathering proof of inheritance, tracking down account details they may not know exist, and working through a process at a moment of grief. For your team, it means a spike in complex, emotionally charged inbound cases — with incomplete documentation and no clear path to resolution.
Meolea changes the starting point. Account holders organise their financial documents, name their trusted contacts, and record their instructions in advance, inside your platform. When the time comes, families arrive prepared, with the documentation your team needs already gathered and a clear understanding of what comes next.
Before you bring us to procurement, here are the answers to what follows.
How does the integration with our core banking systems work?
Meolea connects to your core banking, CRM, and customer data systems via API. We provide a full technical architecture pack and a dedicated integration contact. The scope and timeline are agreed in a joint session with your product and IT teams and do not require changes to your core systems.
How does this handle joint accounts or accounts with multiple authorised holders?
The platform supports multiple trusted contacts with differentiated access roles, set by the account holder in advance. How your bank handles joint account procedures at death is governed by your own policies. Meolea documents the account holder’s wishes and contacts, making it simpler for your team to apply those policies when the time comes.
Does Meolea replace the proof of inheritance requirement?
No. Proof of inheritance (probate or the local legal equivalent) remains a legal requirement, and Meolea does not replace it. What Meolea does is help families know in advance what they will need, gather the documents they already have, and understand the process — so they arrive at your branch or portal significantly better prepared.
Who owns the account holder’s data?
The account holder does. Meolea acts as a data processor on your behalf and under the account holder’s own instructions. We do not use data for secondary purposes and do not share it with any third party outside the partnership agreement.
Can this be used for private banking or wealth management clients?
Yes, and the value is particularly strong in that segment. Private banking clients typically have more complex estates, more accounts across more institutions, and more specific instructions about asset distribution. White-label delivery under your brand is available for all institutional partners, including dedicated wealth management environments.
Built for institutions
Compliance your risk team will actually like.
EU data residency, AES-256 encryption, GDPR by design, independent audits and verified-access handover. We bring your security, legal and procurement teams the documentation they expect — up front, not after signing.
- GDPR-compliant
- AES-256 encryption
- EU data residency
- Independently audited
- API & SSO ready
- DPA & security pack
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