Finding lost money in 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.
Last read: 1 November 2026
Pensions
State pension: BPJS Ketenagakerjaan. The national body holds old age savings (JHT) for members, who can check the balance in the JMO app. From abroad: This page does not say whether overseas access is possible, so contact the body through its official site.
Key facts and sources
- The employer pays 3.7 per cent of wages and the worker pays 2 per cent towards JHT old age savings. Source: BPJS Ketenagakerjaan, read 1 November 2026.
- Members can check their JHT balance in the JMO app by choosing the Jaminan Hari Tua menu, then Cek Saldo, and selecting their participant card number. Source: BPJS Ketenagakerjaan, read 1 November 2026.
Other lost money
- Lost shares: AKSes (Acuan Kepemilikan Sekuritas). An investor with a securities sub-account at KSEI can link one Investor ID to all sub-accounts to see holdings at different brokers and custodian banks, applying through the broker or custodian bank. Run by: PT Kustodian Sentral Efek Indonesia (KSEI), the central securities depository.
Questions
How do I find a lost pension in Indonesia?
Start with BPJS Ketenagakerjaan, which holds JHT old age savings. Members can check the balance in the JMO app by choosing Jaminan Hari Tua, then Cek Saldo, and selecting the participant card number.
What goes into Indonesian JHT savings?
The employer pays 3.7 per cent of wages and the worker pays 2 per cent towards JHT old age savings.
How can I trace forgotten shares in Indonesia?
KSEI, the central securities depository, runs AKSes. If you hold a securities sub-account, you can link one Investor ID to see holdings across brokers and custodian banks.
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.