The locked phone
Nobody knows the passcode. But that's often where contacts, the banking app, and email access live. Manufacturers have routes for this — they just take patience.
Maybe you're reading this in the middle of the night because something hard just happened. You don't need to buy or decide anything here. This page points you to the digital things that tend to feel overwhelming first — and where to begin.
These problems come up again and again — they're normal, and there are ways through them.
Nobody knows the passcode. But that's often where contacts, the banking app, and email access live. Manufacturers have routes for this — they just take patience.
Which online banks, insurers, or subscriptions even existed? Without an overview, this turns into months of searching through paper and inboxes.
Streaming, gym memberships, magazines — they keep billing because nobody knew they existed, or how to cancel them without a grant of probate.
Five free guides for the questions that come up most — no selling, just answers.
The first 72 hours
What's genuinely urgent and what can wait — step by step, without pressure.
The phone is locked
The routes available when nobody knows the passcode.
Cancelling accounts and contracts
An order of operations that saves you double work.
Wills and inheritance
What applies when there's a will — and what happens without one.
Digital estate: the full guide
The long-form guide, for when you want to go deeper.
Three documents come up in almost every case in Germany. It helps to understand them early, rather than chasing each one under pressure:
A sensible order: get the death certificates first, then notify the bank and insurers, then work out whether you need a grant of probate. Digital accounts and contracts come after that — they rarely disappear if you wait a little.
Platforms such as email providers and social networks generally ask for proof of death, usually a death certificate, before granting next-of-kin access. The legal position is clear: Germany's Federal Court of Justice ruled in 2018 (case III ZR 183/17) that digital accounts pass to the heirs just like any other asset — so heirs are generally entitled to access, even if getting there takes time.
„I didn't know there was already a guide for pretty much every step. Just knowing what came first helped me most in that first week.“
Erbnis is a digital vault where you record which accounts exist and who should get access if the worst happens — it's not a substitute for a will (German law still requires a handwritten or notarised will under § 2247 BGB), but it's a real relief for the people who love you.
Annual
Free
€0 / forever
Vault, interview, one trusted person. Everything to begin.
Personal
Recommended€49 / per year
Unlimited items, multiple trusted people, time-delayed release.
Family
€89 / per year
Up to 5 vaults, shared management, preferred support.
For companies & partners (insurers, funeral homes, banks) Contact →
Start free, export any time, delete any time. No credit card.
Do you advise people professionally? See the partner programme →