Revolut
Paid · 18 Mar 2025Paid the estate.
A families’ initiative · since November 2026
Grief has enough paperwork.
When someone dies, the money they kept with a broker, a bank app or a crypto platform belongs to their heirs. Too often the platform asks for the same papers again and again, and the family gives up. Heirs United keeps the file, finds the right door, and stays with the case until the money is paid.
In memory ofJoão “Jony” Mirandawho died on 2 April 2024. His family started Heirs United.
File 01 · eToro (Europe) Ltd · Cyprus · as at 7 Nov 2026
Every mark is a day.
- 318 days since the family first wrote to eToro, on 24 December 2025.
- 102 of them since eToro wrote that it had received “the bank details and all requested documentation”, on 28 July 2026.
No payment recorded. No transfer date.
- Received ✓28 Jul 2026
- Validated ?not confirmed
- Paid —not recorded
The count includes weeks when it was the family’s turn to reply, so not every day is eToro’s. Receipt is not validation: in July eToro also said it would write “if any additional information or documentation is required”.
File 01 · the correspondence
eToro and a deceased client’s account, in its own words.
- Family
The family writes to eToro with a photograph of the death certificate. An automated reply says that address is not in use and points to a contact form.
- eToro
Through the contact form, a case opens. An automated reply confirms it.
- eToro
eToro acknowledges the death certificate and asks the estate’s administrator to get in touch, then closes the ticket for lack of a reply. This gap is the family’s.
- Family
The family reopens the case with the death certificate and the deed naming both heirs, and asks for one complete list of requirements.
- eToro
A five-part list, and a promise:
Once we have received and validated the documents, we will send the funds within 10 business days.
- Family
The family sends fourteen files: the deed, the death record, proof that there is no will, tax records and identity documents, with an heir’s bank account.
- eToro
Thank you for your prompt response providing the bank details and all requested documentation.
The case goes forwardfor the finalization of the account closure and the processing of the transfer of funds
. - eToro
Three more emails ask again for
Proof of relationship for both heirs
andPayments details for both heirs
. - Family
The family resends the deed, asks that payment go to the estate’s administrator and asks for a formal complaint; on 14 October, for a transfer date.
- eToro
Its final response lists six kinds of document eToro already holds, and says:
I sincerely apologize for the extended time this process has taken, as well as the repeated and sometimes conflicting requests for documentation.
It then asks to verify the death certificate it acknowledged in January, and for an authenticated copy of the deed it has had since May. - Family
The same day, the family points to the pages already on file and asks for one final list or a transfer date by 6 November.
- Today
6 November, the date the family asked for, passed without a reply. No transfer date.
Next: the Financial Ombudsman of the Republic of Cyprus, an independent referee. Its awards of €20,000 or less bind both sides, subject to a 30-day court challenge. The family’s date to refer this file, four months after eToro’s final response: 22 February 2027.
When eToro pays, this page will say so, and after how many days. We will not take it down.
Every email, summarised and fingerprinted, as at 29 October 2026: the case · the email record · cases, law and costs.
The scorecard
One estate, platform by platform.
eToro
Not paid · 318 daysDocuments received in July 2026. In October, still verifying.
Other platforms are still being checked. Each one appears here when its file is complete.
How Heirs United works
One file, the right door, and a clock.
One file
Every email, date and document in one place, the originals untouched. Nobody has to search an inbox to prove what was sent in May.
The right door
Each platform has a bereavement desk, a complaints channel and a referee who can rule: an ombudsman or a regulator. We find all three, and their deadlines, before anyone writes.
Calm pressure, on a clock
A reminder when a promised date passes. A formal complaint on the date we named. The ombudsman when the complaint runs out. Each step firmer than the last, and never a threat we would not carry out.
Together
When the same delay repeats across families, a regulator or a consumer association reads a number, not a story. Your file joins others only if you say so.
What we never do
Facts are enough.
- Call anyone a thief or a scammer. We publish dated facts, in the platform’s own words.
- Name or post a platform’s employee. We write about the company.
- Trade silence for payment. When a platform pays, we say so, and after how many days.
- Speak for anyone who has not agreed. Not for the person who died, not for an heir.
- Use fake accounts, fake reviews or pile-ons. One family, one voice, under its own name.
- Pretend to be lawyers. We are a families’ initiative; nothing here is legal advice.
Write to us
Is your family waiting too?
hello@heirsunited.orgWrite a few lines: the platform, your country, and the date your family first wrote to it. We answer in English or Portuguese.
Please do not send identity documents, account numbers, certificate codes or bank details in a first message.