It depends on what type of account you held together jointly. If the funds are in a deposit account, they won’t be included as part of the Estate. This means you’ll still be able to access them as the surviving account holder. 

Personal Term Deposits must continue to be held by at least one customer over the age of 18. If the joint account was a Credit Card, personal Loan, home loan, business, or investment loan, other debt repayment arrangements may need to be made. You can contact Customer Support on 07 3135 3525 (Mon-Fri, 9am-5pm AEST) or email them to find out more information.