Countries

Find lost money, country by country.

Where the money is held, the free official route to it, and the source for every fact. Capital-fm.com has been online since 2002; every page here shows the date it was last read.

• Australia

  Lost superannuation in Australia is traced through the tax office. Other forgotten money, such as dormant bank accounts, is searched on a separate government site.

• Austria

  Austria keeps a personal pension account for the state pension, and company pension funds are supervised by the financial regulator. Check the state account first, then the company funds.

• Belgium

  Belgium has one portal that shows state, workplace and self-employed pensions together. Dormant bank, securities and insurance assets are held by the state and can be searched separately.

• Brazil

  In Brazil, the Central Bank runs a free official search for money left behind at banks and other institutions. Closed workplace funds are supervised by PREVIC.

• Bulgaria

  Bulgaria's state pension record sits with its National Social Security Institute (NSSI). Private pension savings are held by licensed pension companies.

• Canada

  Canadian public pension records are handled through one government account, and federally regulated workplace plans appear on a public list. Dormant bank balances are held by the Bank of Canada and can be searched online.

• Chile

  In Chile, most pension saving sits in a personal AFP account opened the first time you worked there. A free official search names the AFP that holds it.

• Denmark

  Denmark has one overview, PensionsInfo, that pulls together pension information from Danish banks, pension funds and public bodies.

• France

  France splits pensions across many funds. If you live abroad and have no online account, you can ask by post for a career record from the fund of the scheme you were last covered by.

• Germany

  German pensions are split between the statutory scheme and employer promises. Tracing the second kind usually starts with the old employer.

• Hong Kong

  Most Hong Kong workplace savings sit in Mandatory Provident Fund accounts, all visible through one official platform. Older employer schemes are listed on a public register.

• Iceland

  Most Icelandic pension money sits in occupational pension funds, and each fund keeps its own member records. The state pension is handled separately by the Social Insurance Administration.

• India

  Most lost pension money in India sits in a provident fund account run by the EPFO. You trace it through the EPFO member portal and your UAN, the number tied to your employment.

• Indonesia

  Work pensions in Indonesia sit mainly with one national social security body, so a single record can hold years of savings you have forgotten. Shares can also be traced through the central securities depository.

• Ireland

  Irish state pension records sit with the Department of Social Protection. Dormant bank accounts are held by the institution first and later moved to a State fund, and you can still trace them.

• Israel

  Israel has a free official search for inactive bank accounts and deposits, announced by the Bank of Israel. It is a first step for forgotten money held at banks.

• Italy

  Italy keeps its state pension record with one national body, INPS. Start with your personal social security file there.

• Japan

  Japan keeps one national record of the months you were insured, so most lost pension money starts there. Other forgotten savings are harder to trace from abroad.

• Latvia

  Latvia's private pension funds are listed by Latvijas Banka. Start there to find a fund name, then ask the fund about your account.

• Liechtenstein

  Liechtenstein keeps your state pension record in an individual account (IK). You can ask the AHV-IV-FAK for a free extract, and employer pension funds are supervised by the FMA.

• Luxembourg

  Luxembourg's state pension is held by CNAP, and workplace pension funds sit on a public regulator list. Dormant bank and insurance assets are held by the State Treasury.

• Malaysia

  Malaysian retirement savings sit with the Employees Provident Fund, known as KWSP. Money that has moved out of the fund can be searched separately through a government service.

• Mexico

  Most forgotten retirement money in Mexico sits in an individual account with an AFORE. A free official search names the AFORE that holds it, and CONDUSEF can help beneficiaries trace a dead relative's life policies and bank accounts.

• Netherlands

  The Netherlands has a national pension overview and a bank-run search for dormant accounts. Life insurance policies can be traced through the insurers' association.

• New Zealand

  KiwiSaver and money held by the state can both be traced through official New Zealand pages.

• Norway

  Most of what you built up in Norway sits with the national insurance scheme, which you can look at through Nav. Workplace pensions are held by separate funds and insurers, so they take a second step.

• Philippines

  In the Philippines, most work pension records sit with the Social Security System. Bank balances left dormant for many years are handled through a formal government process, with public notice.

• Portugal

  Portugal keeps your social security record in a personal online account, and pension funds are supervised by a separate authority. Dormant bank deposits can also pass to the State.

• Romania

  Romania has a state pension and a private second-pillar layer run by authorised funds. The financial regulator ASF supervises the private funds.

• Singapore

  Retirement savings in Singapore sit with the Central Provident Fund Board. If you worked there and left, start with your CPF account. Foreign workers have been outside CPF since 2003, and accounts of non-citizens were closed in 2024.

• Slovenia

  In Slovenia, the state pension record is held by ZPIZ and can be viewed online through Moj eZPIZ.

• South Africa

  South Africa has a public search for retirement benefits that have not been paid out. It is run by the financial regulator, and the form has an option for foreign citizens.

• South Korea

  If you worked in South Korea, your pension record sits with the National Pension Service. Foreign workers may be able to get a lump sum back when they leave, but only in set cases.

• Spain

  Spain's Seguridad Social keeps your work-life record, and you can get it online or by post. Old bank accounts and life cover can also be traced through official bodies.

• Sweden

  Sweden has one national service, minPension, that gathers state, workplace and private pensions in one place. Use it first, then the Swedish Pensions Agency for the state part.

• Switzerland

  Switzerland has a free central office for forgotten workplace pension money and a route for dormant bank assets. The state pension statement can be requested from anywhere.

• Turkey

  Turkey's state pension record is held by the social security institution (SGK). Private pension companies are listed by the Pension Monitoring Centre (EGM).

• United Arab Emirates

  In the UAE the state scheme mainly covers UAE and GCC nationals, so many expats leave money with an employer instead. Tracing it usually starts with the old employer.

• United Kingdom

  Most lost money in the UK can be traced through government and industry services. Start with your State Pension record, then check old workplace schemes and forgotten bank accounts.

• United States

  The United States has no single pension register. Social Security records and workplace plans are traced through different free government services.

• Vietnam

  Vietnam Social Security keeps a record of your social insurance contributions. We could not confirm a specific official page for checking it, so start with the agency itself.

We always point people to the free government tracing route first, and we take nothing from financial advisers.