Finding lost money in 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.
Last read: 1 November 2026
Pensions
State pension: Employees Provident Fund (KWSP). EPF savings in Malaysia, paid out on an application. From abroad: The page lists local and overseas payment methods. Forms go to the nearest EPF office or by post to EPF headquarters in Shah Alam.
Key facts and sources
- Leaving Country withdrawal applications are sent to your nearest EPF office or posted to EPF headquarters in Shah Alam, and the page lists local and overseas payment methods. Source: kwsp.gov.my, read 1 November 2026.
- KWSP says expatriates should apply two months before the work permit expires, the contract ends or the resignation date. Source: kwsp.gov.my, read 1 November 2026.
Other lost money
- Official money registers: eGUMIS (Lost and forgotten Money Management Division, BWTD). Enter an identification number to see how many items of dormant money are held for it; detail needs registration and login. Run by: Accountant General's Department of Malaysia.
- Dormant bank accounts: General Information of Lost and forgotten Money (bank accounts). Money in an account that the owner has not operated for at least seven years, including savings, current and fixed deposit accounts, falls under the dormant money rules. Run by: Accountant General's Department of Malaysia.
- Lost shares: General Information of Lost and forgotten Money (dividends). Dividends left unpaid for at least one year are treated as dormant money, and holders deliver them to the Accountant General as Registrar. Run by: Accountant General's Department of Malaysia.
- Forgotten insurance: General Information of Lost and forgotten Money (insurance). Insurance payments approved but left unpaid for at least one year are treated as dormant money. Run by: Accountant General's Department of Malaysia.
Questions
How do I find a lost pension in Malaysia?
Contact KWSP for your EPF savings. You can also search eGUMIS by identification number for money the government holds in your name.
How do I apply from abroad for my Malaysian EPF savings?
KWSP's Leaving Country page lists local and overseas payment methods. Forms go to the nearest EPF office or by post to EPF headquarters in Shah Alam.
When should an expatriate apply to KWSP?
KWSP says expatriates should apply two months before the work permit expires, the contract ends or the resignation date.
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.