Finding lost money in Portugal.
Portugal keeps your social security record in a personal online account, and pension funds are supervised by a separate authority. Dormant bank deposits can also pass to the State.
Last read: 1 November 2026
Pensions
State pension: Segurança Social Direta (SSD). Your personal online social security account. From abroad: Sign-in uses your NISS and a password, or a Citizen Card or Chave Móvel Digital.
Workplace and private pensions: ASF (Autoridade de Supervisão de Seguros e Fundos de Pensões). The ASF is Portugal's authority for insurance and pension funds and their management entities. Use it to identify the body behind a pension fund.
Key facts and sources
- You can sign in to Segurança Social Direta with your NISS and a password you set yourself. Source: seg-social.pt, read 1 November 2026.
- You can also sign in with a Citizen Card or Chave Móvel Digital. Source: seg-social.pt, read 1 November 2026.
- The ASF is the national authority that supervises insurance, reinsurance, pension funds and their management entities. Source: gov.pt, read 1 November 2026.
Other lost money
- Dormant bank accounts: Banco de Portugal: dormant bank deposits. The page says deposits become dormant and revert to the State if the holders take no action on them for 15 years.
Questions
How do I find a lost pension in Portugal?
Sign in to Segurança Social Direta to see your account. For a pension fund, the ASF supervises them and can help you identify the body behind it.
Can I use Segurança Social Direta from abroad?
You can sign in with your NISS and a password you set, or with a Citizen Card or Chave Móvel Digital.
What happens to forgotten bank deposits in Portugal?
The Banco de Portugal says deposits become dormant and revert to the State if the holders take no action on them for 15 years.
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.