Finding lost money in Spain.
Spain's Seguridad Social keeps your work-life record, and you can get it online or by post. Old bank accounts and life cover can also be traced through official bodies.
Last read: 1 November 2026
Pensions
State pension: Seguridad Social (Import@ss). Your informe de vida laboral, a PDF of your registration periods and the schemes you were registered under. From abroad: Sign-in needs Cl@ve, the electronic ID card, an electronic certificate or an SMS code. The SMS code goes to a phone already registered with the Seguridad Social. You can also ask for the report by post.
Workplace and private pensions: Dirección General de Seguros y Fondos de Pensiones (DGSFP). The Dirección General de Seguros y Fondos de Pensiones controls the authorisation of pension plans and funds and of their managers. Use it to identify the body behind a plan.
Key facts and sources
- The informe de vida laboral shows the days you were registered, the schemes, and the dates of each registration or deregistration. Source: Seguridad Social (Revista), read 1 November 2026.
- You can get the report with Cl@ve, an electronic certificate or an SMS code sent to a phone already registered with the TGSS in your name. Source: Seguridad Social (Revista), read 1 November 2026.
- If you have no sign-in method, the report can be posted to the home address held by the TGSS. Source: Seguridad Social (Revista), read 1 November 2026.
- The report does not include periods abroad, military service or the substitute social service. Source: Seguridad Social (Import@ss), read 1 November 2026.
Other lost money
- Dormant bank accounts: Banco de España: abandoned bank accounts. The page says a balance is presumed abandoned after 20 years without activity and passes to the State, and that the Dirección General del Patrimonio del Estado is the body to contact.
- Forgotten insurance: Ministerio de Justicia: certificate of insurance contracts with death cover. The page says the Registry holds this data for 5 years from the date of death, and that some contracts are not covered.
Questions
How do I find a lost pension in Spain?
Get your informe de vida laboral from the Seguridad Social. It lists the periods you were registered and the schemes. Then check any private plan with the DGSFP, which authorises pension plans and funds.
Can I check my Spanish work record from abroad?
Yes, with conditions. You can sign in with Cl@ve, an electronic ID card, a certificate or an SMS code to a phone already registered with the Seguridad Social. Without these, the report can be posted to your registered address.
What if I left an old Spanish bank account behind?
The Banco de España says a balance is presumed abandoned after 20 years without activity and passes to the State. Contact the Dirección General del Patrimonio del Estado.
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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