Finding lost money in the 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.
Last read: 1 November 2026
Pensions
State pension: Social Security System (SSS). The SSS holds contribution records and benefit details for members, which you can view through the My.SSS portal. From abroad: The SSS runs foreign offices, including Dubai, Riyadh and London, and an OFW contact section for members abroad.
Workplace and private pensions: The Philippines has no public register that links employers to their pension funds, so tracing a workplace pension starts with the former employer or its pension provider.
Key facts and sources
- The SSS contribution rate rose to 14 per cent in January 2023 under Republic Act 11199, with employers paying 9.5 per cent and employees 4.5 per cent. Source: Social Security System, read 1 November 2026.
- The SSS publishes separate contribution schedules for employees, household employers, land-based overseas workers, self-employed and voluntary members. Source: Social Security System, read 1 November 2026.
- The SSS overseas worker guide says members can use My.SSS to generate a payment reference number and print a statement of account. It also lists SSS foreign offices in Dubai, Riyadh and London. Source: Social Security System, read 1 November 2026.
- After overseas work ends, Filipino workers can keep paying SSS contributions on a voluntary basis to keep their rights to full benefits. Source: Social Security System, read 1 November 2026.
Other lost money
- Official money registers: Escheat Proceedings. Explains how long-dormant bank balances pass to the Treasurer under the dormant balances law (Act No. 3936), and how public notice lets owners come forward; the page does not offer a public search list. Run by: Bureau of the Treasury.
Questions
How do I find a lost pension in the Philippines?
Start with the SSS, which holds contribution records and benefit details through My.SSS. For a workplace pension, ask the former employer or its pension provider, as there is no public register linking employers to funds.
Can I check my Philippine state pension from abroad?
Members abroad can use My.SSS to print a statement of account, and the SSS lists foreign offices in Dubai, Riyadh and London. Check the SSS overseas worker guide for the route that fits you.
What happens to a bank account left dormant in the Philippines?
Under Act No. 3936, long-dormant balances can pass to the Treasurer through a court process that includes public notice. The Bureau of the Treasury explains the steps on its escheat page.
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.