Finding lost money in 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.
Last read: 1 November 2026
Pensions
State pension: eMPF Platform (MPFA). Every Mandatory Provident Fund account under one login, as all MPF schemes run through this platform. From abroad: Registration uses iAM Smart. The registration guide does not cover people abroad, so contact eMPF customer service.
Workplace and private pensions: Mandatory Provident Fund Schemes Authority (MPFA). Some employers run older occupational schemes instead of, or beside, MPF. Check the MPFA register of ORSO schemes for these.
Key facts and sources
- The Hong Kong Government yearbook says employer and employee must each pay 5 per cent of the employee's relevant income into a registered MPF scheme. Source: Hong Kong Government yearbook, read 1 November 2026.
- The MPFA says a personal account mainly holds contributions made under a member's former employment. Source: MPFA, read 1 November 2026.
- The MPFA says MPF can be withdrawn before age 65 on permanent departure from Hong Kong, with a statutory declaration and proof of permission to reside outside Hong Kong, and the request goes through the eMPF Platform. Source: MPFA, read 1 November 2026.
- The MPFA says employers with an exempted ORSO scheme must offer staff a choice between it and an MPF scheme, so a former employee may be in either. Source: MPFA, read 1 November 2026.
- The MPFA register of ORSO schemes can be searched by scheme name, employer name or exemption number. Source: MPFA, read 1 November 2026.
- The eMPF registration guide says registration is verified through iAM Smart, and gives the eMPF customer service hotline and email for other help. Source: eMPF Platform, read 1 November 2026.
Questions
How do I find a lost pension in Hong Kong?
Register for the eMPF Platform to see your MPF accounts in one place. For older employer schemes, check the MPFA register of ORSO schemes.
Can I check my Hong Kong MPF from abroad?
The eMPF registration guide says registration is verified through iAM Smart and does not cover people abroad. Contact eMPF customer service for help.
Can I take my MPF out if I have left Hong Kong?
The MPFA says MPF can be withdrawn before age 65 on permanent departure, with a statutory declaration and proof of permission to reside outside Hong Kong. The request goes through the eMPF Platform.
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.
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