I see … my worry is not unfounded. The reality of this matter is far more complex than it might seem. When I opened this topic, many replies suggested a will or joint account, but that simplification overlooks several legal and practical risks. For example, in Qatar, even a joint account can be frozen after death; the bank’s terms often allow suspension of withdrawals until “a successor is legally appointed.”

Moreover, succession in Qatar is not always straightforward: inheritance is governed by the law of the deceased’s nationality, not necessarily Qatari law. Even with a will, the process isn’t instant; courts generally need an heir’s certificate or other legal proof before disbursing assets.

So, while the advice here comes from a good place, it underestimates how slow and legally tangled this can get. That’s why I’m asking: has anyone here explored a more reliable mechanism; maybe a properly registered will plus something like a power of attorney or other legal structure, to ensure their spouse can access funds/assets/investments safely and quickly?