What should I do with the money in Alipay and WeChat wallets if I suddenly die unexpectedly?

Item 3 of Article 5 in Part IV of Alipay Service Agreement stipulates: "If you don't log in to your member number or account with your Alipay login name or other methods approved by Alipay for 12 months, Alipay will cancel the member number or account, and you will no longer be able to log in to this website or use the related member number or account with this Alipay login name. If the member number or account has related wealth management products, pending transactions or balances, Alipay will assist you in handling them. Please follow the instructions given by Alipay. "

Paragraph 2 and paragraph 5 of Article 7 of Tencent WeChat Software License and Service Agreement stipulates: "If a user does not log in to WeChat account for a long time after registration, Tencent has the right to take back the account, so as not to waste resources, and any losses caused thereby shall be borne by the user himself."

According to the agreement, the money in Alipay, a sudden death user, will be passively frozen in the user's account, waiting for relatives to claim it. In theory, "Alipay will help you deal with it".

But in real life, how can Alipay help you? How do the living relatives know that the deceased relatives still have such a rich account? Is an unknown number. Even if Ali has no right to confiscate the money, he will not take the initiative to remind his family's account.

Accordingly, after the death of the "initial registrant" as a tool such as WeChat, QQ and WeChat official account, this number will eventually be taken back by Tencent. What fate will the WeChat wallet in that number face?

How to avoid the "evaporation" of network wealth?

With the diversification of China people's ways of saving and using money, we must abandon the old concept of avoiding "leaving a will" and reserve the "customs clearance code" of these wealth in various ways as soon as possible to avoid unnecessary losses.

How to prevent your online wealth from "evaporating" after an accident: First, if you really want to avoid it, you can write down your wealth account in the form of a diary. You don't have to write the password, at least let your relatives think of where the money and things are when they see it;

Second, you can be honest with your relatives about your account information, including the amount of money and goods involved;

Third, don't be shy, just make a will, stating where there is something, and be straightforward;

Although death is an unlucky topic, sometimes we have to face it. For example, if we die quietly, what will happen to the money in Alipay, WeChat and QQ?

Many people know that social accounts such as WeChat and QQ do not always belong to one person. This is in the registration agreement. Tencent has the right to cancel the account if the user does not log in for a long time after registering the WeChat account.

The agreement of Alipay is that if the user fails to log in the user's member number or account with Alipay login name or other methods approved by Alipay for 12 months, Alipay will cancel the member number or account, and the user will no longer be able to log in to this website or use the related member number or account with Alipay login name.

But people are gone, and the money in Alipay is safe. Alipay official response, whether you are here or not, the money in your Alipay is there. Heirs can contact Alipay, and the company's customer service will guide the heirs to prepare ID cards, death certificates, commitment letters and other materials, and then send them to Alipay through online uploading and express delivery, so as to inherit the property in the account.

If you die suddenly, how will your relatives know if you have an account? Alipay also responded to this. If the heir doesn't know whether the deceased has Alipay or not, and what is the Alipay account number of the deceased, as long as he provides the customer service with the ID number of the deceased, he can check whether there is an Alipay account under the deceased's name.

However, all this must be completed before the Alipay account is cancelled, otherwise once the account is cancelled, the money will be gone.

So everyone should have the consciousness of making a will, or remember clearly where there are assets in the diary. Even if there is no password, the heir will contact the relevant company with the account and ask for the money back. Finally, I wish you all a long life after the rain!

Hello, I am from Qiu Feng in Northeast China, and my answer is: In order to avoid sudden accidental death, the money in Alipay and WeChat wallets should be prepared in advance. People don't need to be afraid of death, they will die. In order not to leave too much trouble after death, we must arrange everything before death.

Alipay and WeChat are similar in form. As long as your closest relatives know your mobile phone password and the bank card password bound by WeChat and Alipay, if there is an accidental death, the next thing to do is much simpler.

Transfer WeChat change or change to the bound bank card. Before the ID card is cancelled, as long as you know the bank card password, you can withdraw money directly from the ATM.

Alipay is the same. If it exists in Yu 'ebao, you can transfer the money to the bound bank card and withdraw money from the ATM before the ID card is cancelled.

To sum up, if you die suddenly and unexpectedly, don't wait for your ID card to be cancelled before you remember to go to WeChat, Alipay and the bank to withdraw money. This will add a lot of trouble. Finding customer service and submitting applications have to go through many complicated inheritance procedures. Therefore, when people are gone, the first thing to do is to check the heritage. If the ID card is cancelled, it will be too late. Everyone will die, I hope everyone can face the reality. Be sure to explain what you should do before you die, and don't cause trouble to your loved ones. I'll stop here, hoping to help you. I made a card myself, and wrote down the phone lock password, Alipay or WeChat login password, payment password and bank card password on the card. Take your card and ID card with you or leave it at home for a family member you trust most. I don't think it's safe to wear it on me, because it's easy to leak when there is an accident outside. (Fingerprint lock family members can't unlock it, but don't worry. When the fingerprint lock cannot be unlocked, you will be prompted to unlock it with another password. )

When you suddenly die or lose consciousness, your relatives will open your mobile phone according to the password on the card, click Alipay or WeChat, then transfer or withdraw money from Alipay or WeChat by paying the password to the bank card, and finally withdraw money through the bank card password.

There is money in the account, which must be owned by the bank and unknown to outsiders. If your account is overdrawn, then the mobile phone number of your bound relative will receive a call from customer service. The purpose is naturally to remind. If you have money in your account and your relatives don't know your withdrawal password, your relatives can issue a death certificate for you and contact customer service. Of course, if the amount of funds is large, it is natural to submit it in the form of a suicide note.

This proposition is quite good and universal. I just want to change it to a bank card or a bank account, not Alipay or WeChat. Then ask the same question, what do you do? Again, I mean don't hack WeChat and Alipay. Banks also have this problem.

Inherit in accordance with the provisions of the inheritance law. First of all, legacy.

1, the current inheritance law stipulates that the inheritance is the personal legal property left by the citizen when he dies, including: the income of the citizen; Citizens' houses, savings and daily necessities; Citizens' trees, livestock and poultry; Cultural relics, books and materials of citizens; The law allows citizens to own the means of production; Copyright and patent rights in citizens' property rights; Personal income from individual contracting; Other lawful property of citizens.

2. According to the Civil Code, heritage is the personal legal property left by a natural person when he dies. An inheritance that cannot be inherited according to the law or the nature of the inheritance shall not be inherited.

Second, is the money in WeChat and Alipay wallets an inheritance?

The Provisions of the Supreme People's Court on Evidence in Civil Litigation stipulates that electronic data is one of the legal types of evidence, including five types, including information published by 1, web pages, blogs, Weibo and other online platforms;

2. Communication information of network application services such as short messages, e-mails, instant messaging and communication groups;

3. User registration information, identity authentication information, electronic transaction records, communication records, login logs and other information;

4, files, pictures, audio, video, digital certificates, computer programs and other electronic files;

5. Other information stored, processed and transmitted in digital form that can prove the facts of the case.

Judging from judicial practice, the money in WeChat and Alipay wallets belongs to citizens' personal legal property. Since it is a personal legal property, it can of course be inherited as an inheritance.

Third, how to inherit.

1, inheritance mode, so I won't go into details. If there is a legacy support agreement, it shall be inherited according to the legacy support agreement; if there is a will, it shall be inherited according to the will; if there is none, it shall be inherited according to the legal inheritance.

2. Method 1: If you know the password, just enter the password and transfer it to the heir WeChat, Alipay and bank card.

3. Method 2: If you don't know the password, you can contact the customer service of WeChat and Alipay, and provide the heir's identity certificate, decedent's death certificate and other materials according to the requirements of the two companies.

If someone dies unexpectedly, do the money in Alipay and WeChat wallets belong to Ma Yun and Ma Hua Teng?

Let's take a look at the relevant provisions in the Inheritance Law. According to the inheritance law, if there are no personal restrictions on online heritage, such as WeChat, Alipay, copyright of works, game currency, etc. , can be inherited.

In fact, WeChat has long been stipulated-

1. We need to provide death certificate (issued by street, public security bureau or hospital)/cremation certificate (issued by crematorium)/cancellation certificate (issued by police station), and only one of the three certificates needs to be provided.

2. We also need proof of immediate family members (issued by the police station, street or neighborhood committee, and must be immediate family members).

Therefore, as long as you have the above information, you can inherit the property. However, we should also know that Alipay actually provides the same inheritance scheme, and Alipay can maintain the inheritance of property. This situation has actually been mentioned in the relevant instructions of Alipay.

Item 4 of Alipay's Alipay Service Agreement clearly stipulates-

In addition to the boundary of 2000 yuan, we need to pay attention to it, and the inheritance of Alipay is actually easy to see. If it exceeds 2000 yuan, we need to upload the notarized deposit inquiry letter issued by the notary office, and Alipay customer service will mail the account inquiry notice to the notary office by mail or express delivery. After uploading the inheritance certificate, you can get this property.

Therefore, both Alipay and WeChat can inherit, but you need to meet the conditions to inherit. If the conditions are not met, it is indeed possible that there will be no owner of funds.

For Alipay, don't worry too much. Alipay made it clear that after the death of the user, the property will not be returned to Alipay, but it still belongs to its heirs. Alipay will keep it for the user until the heir comes to take it away, but it needs to provide relevant certificates. If there are related debts in Alipay, it also needs to bear the corresponding debts.

For WeChat, the registration agreement stipulates that the ownership of WeChat account belongs to Tencent. After completing the registration application, the user only gets the right to use the WeChat account, and no one else has the right to use it except the applicant. The applicant shall not give, borrow, lease or transfer it to others. If the user does not log in to WeChat for a long time, Tencent has the right to take back the account, and all the losses caused thereby shall be borne by the user personally, and the WeChat wallet associated with the account cannot be used alone. Once the WeChat account is cancelled, the WeChat payment associated with it will also be cancelled. So the money in WeChat wallet may disappear directly. Because the relevant laws and regulations on Internet inheritance have not been formulated, we can only refer to the existing laws and regulations at this stage. Although we only have the right to use the WeChat account, we have the ownership of the finance in WeChat. You can recover your account according to the regulations, but you should return it through reasonable channels, including my finances. Therefore, for the money in WeChat wallet, the heirs also have the right to inherit, so if WeChat takes back the account, we also have the right to claim legal inheritance in WeChat according to the inheritance law.

Because the demand for network resources inheritance is not so great at this stage, and the relevant legal provisions have not yet been promulgated, I believe that new legal provisions will be promulgated soon for these new problems.

If you don't know what to do, you can make a will in advance and the Chinese Testament Library will help you solve it.