{"id":102,"date":"2025-11-12T18:17:35","date_gmt":"2025-11-12T18:17:35","guid":{"rendered":"http:\/\/spadekonline.pl\/?page_id=102"},"modified":"2026-09-28T18:53:33","modified_gmt":"2026-09-28T18:53:33","slug":"krok-8-zgloszenia-w-banku-i-ubezpieczeniach","status":"publish","type":"page","link":"https:\/\/spadekonline.pl\/index.php\/krok-8-zgloszenia-w-banku-i-ubezpieczeniach\/","title":{"rendered":"Krok 8: Zg\u0142oszenia w banku i ubezpieczeniach"},"content":{"rendered":"<h2>Banki, rachunki i ubezpieczenia<\/h2>\n<p>Po uzyskaniu dokumentu potwierdzaj\u0105cego prawa do spadku mo\u017cna zwraca\u0107 si\u0119 do bank\u00f3w i innych instytucji finansowych w celu realizacji praw spadkobiercy. W zale\u017cno\u015bci od sytuacji potrzebny b\u0119dzie prawomocny dokument s\u0105dowy albo zarejestrowany akt po\u015bwiadczenia dziedziczenia.<\/p>\n<h2>Sprawd\u017a tak\u017ce dyspozycj\u0119 wk\u0142adem na wypadek \u015bmierci<\/h2>\n<p>\u015arodki wyp\u0142acane na podstawie szczeg\u00f3lnych dyspozycji bankowych albo niekt\u00f3rych um\u00f3w ubezpieczenia mog\u0105 podlega\u0107 odr\u0119bnym zasadom ni\u017c typowy sk\u0142adnik spadku. Dlatego nie nale\u017cy automatycznie zak\u0142ada\u0107, \u017ce ka\u017cda wyp\u0142ata z banku lub polisy jest cz\u0119\u015bci\u0105 masy spadkowej.<\/p>\n<h2>Zachowaj korespondencj\u0119<\/h2>\n<p>Warto prowadzi\u0107 list\u0119 rachunk\u00f3w i numer\u00f3w spraw oraz archiwizowa\u0107 odpowiedzi bank\u00f3w i ubezpieczycieli. Jest to szczeg\u00f3lnie istotne, je\u017celi spadkobierc\u00f3w jest kilku.<\/p>\n<p><a href=\"\/index.php\/krok-9-zgloszenie-nabycia-spadku-w-urzedzie-skarbowym\/\">Przejd\u017a do kroku 9: Urz\u0105d skarbowy \u2192<\/a><\/p>\n<h2>\u0179r\u00f3d\u0142a i podstawa prawna<\/h2>\n<ul>\n<li><a href=\"https:\/\/eli.gov.pl\/eli\/DU\/2026\/795\/ogl\" target=\"_blank\" rel=\"noopener\">Kodeks cywilny \u2013 tekst jednolity Dz.U. 2026 poz. 795<\/a><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Banki, rachunki i ubezpieczenia Po uzyskaniu dokumentu potwierdzaj\u0105cego prawa do spadku mo\u017cna zwraca\u0107 si\u0119 do bank\u00f3w i innych instytucji finansowych [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-102","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/spadekonline.pl\/index.php\/wp-json\/wp\/v2\/pages\/102","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/spadekonline.pl\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/spadekonline.pl\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/spadekonline.pl\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/spadekonline.pl\/index.php\/wp-json\/wp\/v2\/comments?post=102"}],"version-history":[{"count":3,"href":"https:\/\/spadekonline.pl\/index.php\/wp-json\/wp\/v2\/pages\/102\/revisions"}],"predecessor-version":[{"id":249,"href":"https:\/\/spadekonline.pl\/index.php\/wp-json\/wp\/v2\/pages\/102\/revisions\/249"}],"wp:attachment":[{"href":"https:\/\/spadekonline.pl\/index.php\/wp-json\/wp\/v2\/media?parent=102"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}