Finding lost money in 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.
Last read: 1 November 2026
Pensions
State pension: Superintendencia de Pensiones, consulta de afiliacion. It names the AFP you belong to. You can ask online, in person at an office, or by letter with a copy of your identity card. From abroad: The online Ficha Previsional needs ClaveUnica, a Chilean state digital identity. The page for finding your AFP also lists a letter with a copy of your identity card.
Key facts and sources
- The Superintendencia de Pensiones says the mandatory contribution is 10% of monthly pay, with a cap of 90 UF, and that the money in your pension fund belongs to you. Source: Superintendencia de Pensiones, read 1 November 2026.
- A member who does not know their AFP can check online, in person at a Superintendencia office, or by letter with a copy of their identity card. The same methods apply to a person who has died. Source: Superintendencia de Pensiones, read 1 November 2026.
- The online Ficha Previsional, which shows your AFP and contribution record, is marked as a procedure with ClaveUnica and asks for your RUN and ClaveUnica password. Source: Superintendencia de Pensiones, read 1 November 2026.
- Heirs can check whether a person who has died has an AFP balance by entering their RUT on the Superintendencia website. The data is updated each December. Source: ChileAtiende, read 1 November 2026.
Other lost money
- Forgotten insurance: Consulta como heredero los seguros de una persona fallecida. An official guide for heirs to ask the CMF which insurance policies a person who has died held or was insured under. Run by: ChileAtiende (Government of Chile).
- Official money registers: Consulta sobre saldo en cuenta de AFP de afiliados fallecidos. An official guide to checking whether a person who has died has a balance in an AFP individual account. Run by: ChileAtiende (Government of Chile).
Questions
How do I find a lost pension in Chile?
Ask the Superintendencia de Pensiones which AFP you belong to. You can do this online, in person at an office, or by letter with a copy of your identity card.
Can I check my Chilean pension from abroad?
It can be hard. The online Ficha Previsional needs ClaveUnica, a Chilean state digital identity. The Superintendencia also lists a letter with a copy of your identity card.
Can I find savings or insurance left by a relative who died in Chile?
Yes. Heirs can check an AFP balance with the person's RUT. ChileAtiende also has a guide for heirs to ask which insurance policies the person held.
Worked in more than one country?
No national tool looks across borders. PensionHunter traces pensions left behind across borders. It is run by Battersea Park Capital. Capital Find Money's founder has an interest in it, and we feature it because no national tool looks across countries. Try the free lost pension checker. Our own count of pensions left behind and the guides are free.
We always point people to the free government tracing route first, and we take nothing from financial advisers.