{ "publisher": "Capital Find Money", "site": "https://capital-fm.com", "about": "Free official routes to lost pensions, dormant bank accounts, forgotten insurance and lost shares, by country. Every item carries its source link and the date we read it.", "reuse": "Free to reuse with a link to https://capital-fm.com/open-data", "howToCite": "Cite the route id and its permalink (https://capital-fm.com/data/v1/routes/{id}.json) or the countryPage URL.", "licence": "CC-BY-4.0", "licenceUrl": "https://creativecommons.org/licenses/by/4.0/", "v1": { "version": "1.0.0", "index": "https://capital-fm.com/data/v1/index.json", "routes": "https://capital-fm.com/data/v1/routes.json", "routesCsv": "https://capital-fm.com/data/v1/routes.csv", "changes": "https://capital-fm.com/data/v1/changes.json", "openapi": "https://capital-fm.com/data/v1/openapi.json", "apiCatalog": "https://capital-fm.com/.well-known/api-catalog" }, "note": "Items are only included when an official page states them. Missing items mean not verified, not that no route exists. We always point people to the free government tracing route first.", "countries": [ { "iso2": "AU", "name": "Australia", "countryPage": "https://capital-fm.com/countries/australia", "readDate": "2026-11-01", "pageInSearch": true, "intro": "Lost superannuation in Australia is traced through the tax office. Other forgotten money, such as dormant bank accounts, is searched on a separate government site.", "pension": { "state": { "id": "au.pension.ato-lost-super", "kind": "workplace", "institution": "Australian Taxation Office (ATO), Searching for lost super", "url": "https://www.ato.gov.au/forms-and-instructions/superannuation-searching-for-lost-superannuation", "whatItHolds": "The tax office's lost super search shows super accounts held for you, through ATO online services.", "fromAbroad": "Conditional: you sign in through myGov and answer questions to confirm your identity. If you are overseas, the ATO suggests myID, a passkey or an authenticator.", "access": [ { "method": "sign-in", "note": "ATO online services through myGov" }, { "method": "phone", "note": "The ATO's automated lost super line" }, { "method": "form", "note": "Post the form NAT 2476 to the ATO" } ] }, "workplace": { "id": "au.pension.ato-ask-your-fund", "kind": "workplace", "summary": "The ATO page lists asking your preferred super fund to check on your behalf as one option.", "url": "https://www.ato.gov.au/forms-and-instructions/superannuation-searching-for-lost-superannuation", "institution": "Australian Taxation Office (ATO)" }, "facts": [ { "text": "To check your super you use ATO online services through myGov. Lost accounts show a Contact fund option, and super passed to the ATO shows as ATO-held super.", "source": "Australian Taxation Office", "url": "https://www.ato.gov.au/forms-and-instructions/superannuation-searching-for-lost-superannuation", "read": "2026-11-01" }, { "text": "You can also call the ATO's automated lost super line on 13 28 65, or post the form NAT 2476 to the ATO.", "source": "Australian Taxation Office", "url": "https://www.ato.gov.au/forms-and-instructions/superannuation-searching-for-lost-superannuation", "read": "2026-11-01" }, { "text": "Linking the ATO to myGov asks you to answer questions to confirm your identity, and the ATO recommends myID, a passkey or an authenticator if you are overseas.", "source": "Australian Taxation Office", "url": "https://www.ato.gov.au/online-services/online-services-for-individuals-and-sole-traders/ato-online-services-and-mygov/create-a-mygov-account-and-link-it-to-the-ato", "read": "2026-11-01" }, { "text": "If a former temporary resident does not apply for their Departing Australia Superannuation Payment, their super fund transfers the money to the ATO once at least 6 months have passed since they left Australia.", "source": "Australian Taxation Office", "url": "https://www.ato.gov.au/individuals-and-families/super-for-individuals-and-families/super/temporary-residents-and-superannuation/departing-australia-superannuation-payment-dasp", "read": "2026-11-01" } ], "deadline": null }, "other": [ { "id": "au.bank.moneysmart-lost-accounts", "type": "bank", "name": "Moneysmart: find lost bank accounts and money", "body": "ASIC (Moneysmart)", "url": "https://moneysmart.gov.au/find-unclaimed-money", "what": "The free government search covers bank accounts with no deposits or withdrawals for 7 years, and it does not include super." }, { "id": "au.insurance.moneysmart-life-insurance", "type": "insurance", "name": "Moneysmart: life insurance policies", "body": "ASIC (Moneysmart)", "url": "https://moneysmart.gov.au/find-unclaimed-money/claim-money-from-life-insurance-policies", "what": "ASIC's records cover life insurance money left 7 years after a policy matures, and the insurer assesses who is the rightful owner." }, { "id": "au.shares.moneysmart-shares", "type": "shares", "name": "Moneysmart: shares and investments", "body": "ASIC (Moneysmart)", "url": "https://moneysmart.gov.au/find-unclaimed-money/claim-money-from-shares-and-investments", "what": "You can search ASIC's records by name for shares and investment money, and public records show only limited address information." }, { "id": "au.register.moneysmart-state-held-money", "type": "register", "name": "Moneysmart: money held by state governments", "body": "State and territory agencies", "url": "https://moneysmart.gov.au/find-unclaimed-money/money-held-by-state-governments", "what": "Each state and territory agency holds its own money from sources such as deceased estates, share dividends, and wages, and the page lists who to contact." } ], "faqs": [ { "q": "How do I find a lost pension in Australia?", "a": "Use ATO online services through myGov. Lost accounts show a Contact fund option, and super passed to the ATO shows as ATO-held super. You can also call 13 28 65." }, { "q": "Can I check my Australian super from abroad?", "a": "Possibly. You answer questions to confirm your identity when linking myGov to the ATO, and the ATO recommends myID, a passkey or an authenticator if you are overseas. You can also use the phone line or post a form." }, { "q": "What happens to super if I left Australia on a temporary visa?", "a": "If you do not apply for your Departing Australia Superannuation Payment, your fund transfers the money to the ATO once at least 6 months have passed since you left." } ] }, { "iso2": "AT", "name": "Austria", "countryPage": "https://capital-fm.com/countries/austria", "readDate": "2026-11-01", "pageInSearch": true, "intro": "Austria keeps a personal pension account for the state pension, and company pension funds are supervised by the financial regulator. Check the state account first, then the company funds.", "pension": { "state": { "id": "at.pension.pensionsversicherung-pensionskonto", "kind": "state", "institution": "Pensionsversicherung (Pensionskonto), via oesterreich.gv.at", "url": "https://www.oesterreich.gv.at/de/themen/arbeit_beruf_und_pension/pension/1/Abfrage-des-Pensionskontos", "whatItHolds": "Your Pensionskonto, which holds your pension credits.", "fromAbroad": null }, "workplace": { "id": "at.pension.fma", "kind": "workplace", "summary": "Pensionskassen are licensed and supervised by the FMA. Ask your former employer which Pensionskasse or Betriebliche Vorsorgekasse it used. The FMA website has a company database search.", "url": "https://www.fma.gv.at/en/pensionskassen/", "institution": "Finanzmarktaufsicht (FMA)" }, "facts": [ { "text": "Since 2014, insurance periods are added to the Pensionskonto each year as partial credits, and periods up to 31 December 2013 are held as the initial credit (Kontoerstgutschrift).", "source": "Sozialministerium, Pensionskonto", "url": "https://www.sozialministerium.gv.at/Themen/Soziales/Sozialversicherung/Pensionskonto.html", "read": "2026-11-01" }, { "text": "You can view the Pensionskonto online at any time with ID Austria or FinanzOnline, or ask for a written statement by post. It is free and needs no documents.", "source": "oesterreich.gv.at, Abfrage des Pensionskontos", "url": "https://www.oesterreich.gv.at/de/themen/arbeit_beruf_und_pension/pension/1/Abfrage-des-Pensionskontos", "read": "2026-11-01" }, { "text": "Pensionskassen are a form of company pension in Austria, and the FMA licenses and supervises them.", "source": "Finanzmarktaufsicht (FMA)", "url": "https://www.fma.gv.at/en/pensionskassen/", "read": "2026-11-01" }, { "text": "Your employer usually chooses which Betriebliche Vorsorgekasse holds your severance account (Abfertigung neu).", "source": "usp.gv.at, Abfertigung NEU", "url": "https://www.usp.gv.at/themen/mitarbeiter-und-gesundheit/beendigung-des-arbeitsverhaeltnisses/weitere-informationen-beendigung/abfertigung-neu-fuer-arbeitnehmer-und-freie-dienstnehmer.html", "read": "2026-11-01" } ], "deadline": null }, "other": [ { "id": "at.bank.central-account-register", "type": "bank", "name": "Austrian central account register: see your own entries", "body": "Bundesministerium für Finanzen (BMF), Austria", "url": "https://www.bmf.gv.at/themen/betrugsbekaempfung/kontenregister-konteneinschau.html", "what": "The page says the data held about you in the central account register can be viewed through your personal FinanzOnline login, which lets a person see which accounts are recorded in their name. Read 2 November 2026.", "access": [ { "method": "sign-in", "note": "Personal FinanzOnline login" } ] } ], "faqs": [ { "q": "How do I find a lost pension in Austria?", "a": "Start with your Pensionskonto, which you can view with ID Austria or FinanzOnline or ask for by post. For a company pension, the FMA supervises the Pensionskassen." }, { "q": "Can I check my Austrian state pension from abroad?", "a": "The official page does not say. It lists ID Austria and FinanzOnline for online access and a written statement by post, so contact the pension insurer about your case." }, { "q": "Where is my Austrian severance money held?", "a": "Your employer usually chooses the Betriebliche Vorsorgekasse that holds your severance account. Ask the employer which fund it used." } ] }, { "iso2": "BE", "name": "Belgium", "countryPage": "https://capital-fm.com/countries/belgium", "readDate": "2026-11-01", "pageInSearch": true, "intro": "Belgium has one portal that shows state, workplace and self-employed pensions together. Dormant bank, securities and insurance assets are held by the state and can be searched separately.", "pension": { "state": { "id": "be.pension.federal-pensions-service", "kind": "state", "institution": "Federal Pensions Service (SFPD)", "url": "https://www.sfpd.fgov.be/en/pension-application", "whatItHolds": "It pays the Belgian statutory pension and takes the application for it.", "fromAbroad": "Where you apply depends on where you live: through the pension institution of an EEA country, Switzerland, the UK or a treaty country, or directly to the Federal Pensions Service by signed letter." }, "workplace": { "id": "be.pension.mypension", "kind": "workplace", "summary": "The supplementary pension section of mypension.be gives an overview of your workplace pension, including forgotten entitlements. It does not cover third-pillar pension savings.", "url": "https://www.socialsecurity.be/citizen/fr/static/applics/mypension/index.htm", "institution": "mypension.be" }, "facts": [ { "text": "mypension.be shows the legal pension of employees, self-employed people and civil servants, and a global overview of your supplementary pension.", "source": "mypension.be", "url": "https://www.socialsecurity.be/citizen/fr/static/applics/mypension/index.htm", "read": "2026-11-01" }, { "text": "To use mypension.be you log in with your eID or another digital key.", "source": "mypension.be", "url": "https://www.socialsecurity.be/citizen/fr/static/applics/mypension/index.htm", "read": "2026-11-01" }, { "text": "If you live in an EEA country, Switzerland, the UK or a country with a treaty with Belgium, you apply through that country's pension institution; in other cases you apply directly to the Federal Pensions Service by signed letter.", "source": "Federal Pensions Service (SFPD)", "url": "https://www.sfpd.fgov.be/en/pension-application", "read": "2026-11-01" } ], "deadline": null }, "other": [ { "id": "be.register.e-depo", "type": "register", "name": "e-DEPO dormant assets (MyMinfin)", "body": "FPS Finance, Deposit and Consignment Office", "url": "https://www.wikifin.be/fr/thematiques/votre-argent-au-quotidien/comptes-en-banque/comptes-et-avoir-dormants", "what": "Log in to MyMinfin and choose 'Consulter mes avoirs dormants dans e-DEPO' to check dormant securities accounts, safe deposit boxes and life insurance where you are the beneficiary; if you cannot use MyMinfin, send the search request form by email (explained by the FSMA's Wikifin).", "access": [ { "method": "sign-in", "note": "Log in to MyMinfin" } ] } ], "faqs": [ { "q": "How do I find a lost pension in Belgium?", "a": "Use mypension.be for the legal pension and an overview of your supplementary pension. You log in with your eID or another digital key." }, { "q": "Can I check my Belgian state pension from abroad?", "a": "The Federal Pensions Service says where to apply depends on where you live: through the pension institution of an EEA country, Switzerland, the UK or a treaty country, or directly by signed letter." }, { "q": "How do I find dormant accounts or insurance in Belgium?", "a": "The state's e-DEPO service lists dormant securities accounts, safe deposit boxes and life insurance. Log in to MyMinfin, or send the search request form if you cannot." } ] }, { "iso2": "BR", "name": "Brazil", "countryPage": "https://capital-fm.com/countries/brazil", "readDate": "2026-11-01", "pageInSearch": true, "intro": "In Brazil, the Central Bank runs a free official search for money left behind at banks and other institutions. Closed workplace funds are supervised by PREVIC.", "pension": { "state": null, "workplace": { "id": "br.pension.previc", "kind": "workplace", "summary": "PREVIC supervises closed pension funds. Its Cadastro de Entidades e Planos system holds data on those funds and their plans, and links sponsors to plans.", "url": "https://www.gov.br/previc/pt-br/sistemas/informacoes-sobre-os-sistemas-previc/cadastro-de-entidades-e-planos-cadprevic/manual-cadprevic/manual-cadprevic.pdf/@@download/file", "institution": "PREVIC" }, "facts": [ { "text": "PREVIC's Cadastro de Entidades e Planos system holds data on closed pension entities and their plans, and sponsors are linked to plans through adhesion agreements.", "source": "PREVIC (gov.br)", "url": "https://www.gov.br/previc/pt-br/sistemas/informacoes-sobre-os-sistemas-previc/cadastro-de-entidades-e-planos-cadprevic/manual-cadprevic/manual-cadprevic.pdf/@@download/file", "read": "2026-11-01" } ], "deadline": { "text": "An INSS beneficiary living outside Brazil must complete proof of life once a year, in their birthday month, to avoid the payment being blocked and the benefit suspended.", "source": "INSS (gov.br)", "url": "https://www.gov.br/inss/pt-br/direitos-e-deveres/acordos-internacionais/comprovacao-de-vida-para-beneficiarios-que-moram-no-exterior", "read": "2026-11-01" } }, "other": [ { "id": "br.bank.valores-a-receber", "type": "bank", "name": "Valores a Receber (Banco Central do Brasil)", "body": "Government of Brazil (gov.br)", "url": "https://www.gov.br/pt-br/noticias/financas-impostos-e-gestao-publica/2022/02/banco-central-libera-consulta-de-valores-a-receber-de-instituicoes-financeiras", "what": "Government news page on the Central Bank search for money left at banks and financial institutions, using a CPF and date of birth, or a CNPJ and opening date." } ], "faqs": [ { "q": "How do I find lost money in Brazil?", "a": "The Central Bank runs a search for money left at banks and financial institutions. You enter a CPF and date of birth, or a CNPJ and opening date. The official page says no payment is needed to use it." }, { "q": "How do I trace a workplace pension fund in Brazil?", "a": "PREVIC supervises closed pension funds. Its Cadastro de Entidades e Planos system holds data on those funds and their plans, and links sponsors to plans." }, { "q": "Is there a yearly check for INSS payments abroad?", "a": "Yes. A beneficiary living outside Brazil must complete proof of life once a year, in their birthday month. Otherwise payment can be blocked and the benefit suspended." } ] }, { "iso2": "BG", "name": "Bulgaria", "countryPage": "https://capital-fm.com/countries/bulgaria", "readDate": "2026-11-01", "pageInSearch": false, "intro": "Bulgaria's state pension record sits with its National Social Security Institute (NSSI). Private pension savings are held by licensed pension companies.", "pension": { "state": null, "workplace": null, "facts": [ { "text": "A person who does not meet the full insurance conditions can still retire with an incomplete insurance period if they have at least 15 years of actual insurance service.", "source": "National Social Security Institute", "url": "https://nssi.bg/en/faqs/retriment-and-pensions/", "read": "2026-11-01" }, { "text": "A person with the required insurance period who retires up to one year before the retirement age has the pension reduced by 0.4 per cent for each missing month.", "source": "National Social Security Institute", "url": "https://nssi.bg/en/faqs/retriment-and-pensions/", "read": "2026-11-01" } ], "deadline": null }, "other": [], "faqs": [ { "q": "How do I find a lost pension in Bulgaria?", "a": "Start with the NSSI, which holds the state pension contribution record. For private savings, ask the pension company you saved with." }, { "q": "Can I get a Bulgarian pension without a full insurance record?", "a": "In some cases, yes. The NSSI says at least 15 years of actual insurance service can give a pension with an incomplete insurance period." }, { "q": "What happens if I retire early in Bulgaria?", "a": "The NSSI says that retiring up to one year before the retirement age cuts the pension by 0.4 per cent for each missing month." } ] }, { "iso2": "CA", "name": "Canada", "countryPage": "https://capital-fm.com/countries/canada", "readDate": "2026-11-01", "pageInSearch": true, "intro": "Canadian public pension records are handled through one government account, and federally regulated workplace plans appear on a public list. Dormant bank balances are held by the Bank of Canada and can be searched online.", "pension": { "state": { "id": "ca.pension.my-service-canada-account", "kind": "state", "institution": "My Service Canada Account (Service Canada)", "url": "https://www.canada.ca/en/services/benefits/publicpensions/cpp/apply.html", "whatItHolds": "It is where you apply for the Canada Pension Plan retirement pension online and, once it is paid, see your payment information.", "fromAbroad": "Canada Pension Plan retirement pensions can be paid outside Canada, according to the Government of Canada." }, "workplace": { "id": "ca.pension.osfi", "kind": "workplace", "summary": "The Office of the Superintendent of Financial Institutions publishes a list of federally regulated pension plans, with some plans left off for privacy. Other plans are provincial, so start from the employer's name.", "url": "https://open.canada.ca/data/en/dataset/b27ec3ef-7338-4e76-a6fd-128339a92df5", "institution": "Office of the Superintendent of Financial Institutions (OSFI)" }, "facts": [ { "text": "Service Canada says you can receive the Canada Pension Plan retirement pension from age 60 if you have made at least one valid contribution.", "source": "Government of Canada", "url": "https://www.canada.ca/en/services/benefits/publicpensions/cpp/eligibility.html", "read": "2026-11-01" }, { "text": "Service Canada says you must apply to receive the Canada Pension Plan retirement pension, and you can apply online through My Service Canada Account.", "source": "Government of Canada", "url": "https://www.canada.ca/en/services/benefits/publicpensions/cpp/apply.html", "read": "2026-11-01" }, { "text": "The Canada Pension Plan retirement pension can be paid outside Canada.", "source": "Government of Canada", "url": "https://www.canada.ca/en/services/benefits/publicpensions/cpp/cpp-international/eligibility.html", "read": "2026-11-01" }, { "text": "The Financial Consumer Agency of Canada says that after 10 years of inactivity, a federally regulated institution must transfer the balance to the Bank of Canada, which holds it for 30 years if under 1,000 dollars and 100 years if 1,000 dollars or more.", "source": "Financial Consumer Agency of Canada", "url": "https://www.canada.ca/en/financial-consumer-agency/services/banking/unclaimed-balances.html", "read": "2026-11-01" }, { "text": "OSFI publishes a list of the private pension plans it regulates as a CSV file, and says some plans are left off the list for privacy reasons.", "source": "OSFI via Open Government Portal", "url": "https://open.canada.ca/data/en/dataset/b27ec3ef-7338-4e76-a6fd-128339a92df5", "read": "2026-11-01" } ], "deadline": null }, "other": [ { "id": "ca.bank.bank-of-canada-dormant-balances-search", "type": "bank", "name": "Bank of Canada: dormant balances search", "url": "https://www.bankofcanada.ca/unclaimed-balances", "what": "The Bank of Canada describes a service to search for dormant bank balances.", "read": "2026-11-01" } ], "faqs": [ { "q": "How do I find a lost pension in Canada?", "a": "Use My Service Canada Account for the public pension. For an employer plan, check OSFI's list of federally regulated plans and contact the employer." }, { "q": "Can I check my Canadian pension from abroad?", "a": "The Government of Canada says Canada Pension Plan retirement pensions can be paid outside Canada. Check the Service Canada pages on living abroad for your own case." }, { "q": "Does my Canada Pension Plan pension start by itself?", "a": "No. Service Canada says you must apply. You can receive it from age 60 if you have made at least one valid contribution." } ] }, { "iso2": "CL", "name": "Chile", "countryPage": "https://capital-fm.com/countries/chile", "readDate": "2026-11-01", "pageInSearch": true, "intro": "In Chile, most pension saving sits in a personal AFP account opened the first time you worked there. A free official search names the AFP that holds it.", "pension": { "state": { "id": "cl.pension.afiliacion-search", "kind": "state", "institution": "Superintendencia de Pensiones, consulta de afiliacion", "url": "https://www.spensiones.cl/portal/institucional/594/w3-article-2716.html", "whatItHolds": "It names the AFP you belong to. You can ask online, in person at an office, or by letter with a copy of your identity card.", "fromAbroad": "The online Ficha Previsional needs ClaveUnica, a Chilean state digital identity. The page for finding your AFP also lists a letter with a copy of your identity card.", "access": [ { "method": "sign-in", "note": "Online Ficha Previsional with ClaveUnica" }, { "method": "letter", "note": "By letter with a copy of your identity card" } ] }, "workplace": null, "facts": [ { "text": "The Superintendencia de Pensiones says the mandatory contribution is 10% of monthly pay, with a cap of 90 UF, and that the money in your pension fund belongs to you.", "source": "Superintendencia de Pensiones", "url": "https://www.spensiones.cl/portal/institucional/594/w3-article-2816.html", "read": "2026-11-01" }, { "text": "A member who does not know their AFP can check online, in person at a Superintendencia office, or by letter with a copy of their identity card. The same methods apply to a person who has died.", "source": "Superintendencia de Pensiones", "url": "https://www.spensiones.cl/portal/institucional/594/w3-article-2716.html", "read": "2026-11-01" }, { "text": "The online Ficha Previsional, which shows your AFP and contribution record, is marked as a procedure with ClaveUnica and asks for your RUN and ClaveUnica password.", "source": "Superintendencia de Pensiones", "url": "https://www.spensiones.cl/portal/institucional/597/w3-article-15793.html", "read": "2026-11-01" }, { "text": "Heirs can check whether a person who has died has an AFP balance by entering their RUT on the Superintendencia website. The data is updated each December.", "source": "ChileAtiende", "url": "https://www.chileatiende.gob.cl/fichas/3322/1/pdf", "read": "2026-11-01" } ], "deadline": null }, "other": [ { "id": "cl.insurance.heir-insurance-search", "type": "insurance", "name": "Consulta como heredero los seguros de una persona fallecida", "body": "ChileAtiende (Government of Chile)", "url": "https://www.chileatiende.gob.cl/fichas/109511-consulta-como-heredero-los-seguros-de-una-persona-fallecida", "what": "An official guide for heirs to ask the CMF which insurance policies a person who has died held or was insured under." }, { "id": "cl.register.deceased-afp-balance-search", "type": "register", "name": "Consulta sobre saldo en cuenta de AFP de afiliados fallecidos", "body": "ChileAtiende (Government of Chile)", "url": "https://www.chileatiende.gob.cl/fichas/3322/1/pdf", "what": "An official guide to checking whether a person who has died has a balance in an AFP individual account." } ], "faqs": [ { "q": "How do I find a lost pension in Chile?", "a": "Ask the Superintendencia de Pensiones which AFP you belong to. You can do this online, in person at an office, or by letter with a copy of your identity card." }, { "q": "Can I check my Chilean pension from abroad?", "a": "It can be hard. The online Ficha Previsional needs ClaveUnica, a Chilean state digital identity. The Superintendencia also lists a letter with a copy of your identity card." }, { "q": "Can I find savings or insurance left by a relative who died in Chile?", "a": "Yes. Heirs can check an AFP balance with the person's RUT. ChileAtiende also has a guide for heirs to ask which insurance policies the person held." } ] }, { "iso2": "DK", "name": "Denmark", "countryPage": "https://capital-fm.com/countries/denmark", "readDate": "2026-11-01", "pageInSearch": false, "intro": "Denmark has one overview, PensionsInfo, that pulls together pension information from Danish banks, pension funds and public bodies.", "pension": { "state": null, "workplace": { "id": "dk.pension.pensionsinfo", "kind": "workplace", "summary": "PensionsInfo shows information supplied by banks, savings banks, pension funds, ATP, LD and pension and insurance companies.", "url": "https://pensionsinfo.dk/Welcome", "institution": "PensionsInfo" }, "facts": [ { "text": "PensionsInfo says its information is supplied by all Danish banks, savings banks, pension funds, LD, ATP, Moderniseringsstyrelsen (state employees) and pension and insurance companies.", "source": "PensionsInfo", "url": "https://pensionsinfo.dk/Welcome", "read": "2026-11-01" }, { "text": "PensionsInfo also works with the Ministry of Business and Growth and the Ministry of Employment.", "source": "PensionsInfo", "url": "https://pensionsinfo.dk/Welcome", "read": "2026-11-01" } ], "deadline": null }, "other": [], "faqs": [ { "q": "How do I find a lost pension in Denmark?", "a": "Use PensionsInfo, which shows pension information supplied by Danish banks, pension funds and public bodies." }, { "q": "Which bodies feed PensionsInfo?", "a": "Banks, savings banks, pension funds, LD, ATP, Moderniseringsstyrelsen and pension and insurance companies." }, { "q": "Is PensionsInfo linked to the Danish state?", "a": "It says it works with the Ministry of Business and Growth and the Ministry of Employment." } ] }, { "iso2": "FR", "name": "France", "countryPage": "https://capital-fm.com/countries/france", "readDate": "2026-11-01", "pageInSearch": true, "intro": "France splits pensions across many funds. If you live abroad and have no online account, you can ask by post for a career record from the fund of the scheme you were last covered by.", "pension": { "state": { "id": "fr.pension.mon-compte-retraite", "kind": "state", "institution": "Mon compte retraite (Info Retraite)", "url": "https://www.economie.gouv.fr/particuliers/compte-personnel-retraite", "whatItHolds": "Contact details for your base and complementary pension schemes, a pension estimate and your career data, including periods abroad.", "fromAbroad": "Creating the account asks for a French social security number or a FranceConnect login. Cleiss explains a postal request for a career record.", "access": [ { "method": "sign-in", "note": "Mon compte retraite account" } ] }, "workplace": null, "facts": [ { "text": "If you live abroad and have no personal account with your French pension scheme, you can ask for your career record (relevé de carrière) by post from the pension fund of the scheme you were last covered by in France.", "source": "Cleiss", "url": "https://www.cleiss.fr/faq/releve_de_carriere.html", "read": "2026-11-01" }, { "text": "Mon compte retraite lets you find contact details for your base and complementary pension schemes, estimate your pension and ask for corrections to your career, including periods abroad.", "source": "economie.gouv.fr", "url": "https://www.economie.gouv.fr/particuliers/compte-personnel-retraite", "read": "2026-11-01" }, { "text": "You create a mon compte retraite account with your social security number, name, date of birth and email address, or with your FranceConnect login.", "source": "economie.gouv.fr", "url": "https://www.economie.gouv.fr/particuliers/compte-personnel-retraite", "read": "2026-11-01" } ], "deadline": { "text": "Pensioners living abroad must send a certificate of life each year. If it is not returned within 2 months, payment of the pension is suspended.", "source": "L'Assurance retraite", "url": "https://www.lassuranceretraite.fr/portail-info/hors-menu/traductions/english/proof-of-life.html", "read": "2026-11-01" } }, "other": [ { "id": "fr.register.ciclade", "type": "register", "name": "Ciclade", "body": "Caisse des Dépôts", "url": "https://ciclade.caissedesdepots.fr/en/node/21", "what": "Ciclade is a free online search for dormant bank accounts, employee savings, life insurance policies and capitalisation bonds transferred to Caisse des Dépôts, open to account holders, beneficiaries and heirs.", "access": [ { "method": "online-search", "note": "Free online search" } ] }, { "id": "fr.insurance.agira-life-insurance-search", "type": "insurance", "name": "AGIRA life insurance search", "body": "AGIRA (via CNIL guidance)", "url": "https://www.cnil.fr/en/cnil-direct/question/comment-savoir-si-un-contrat-dassurance-vie-ete-souscrit-son-profit", "what": "Anyone can ask AGIRA whether a life insurance contract was taken out in their favour, free of charge, by post or online, with proof that the policyholder has died.", "access": [ { "method": "letter", "note": "By post" }, { "method": "form", "note": "Online request" } ] } ], "faqs": [ { "q": "How do I find a lost pension in France?", "a": "If you live abroad and have no online account, ask by post for your career record from the fund of the scheme you were last covered by. Mon compte retraite also lists the contact details of your pension schemes." }, { "q": "Can I check my French state pension from abroad?", "a": "Yes, by post. Cleiss explains how to request your career record from the last scheme. Creating a mon compte retraite account asks for a French social security number or a FranceConnect login." }, { "q": "Do I have to prove I am alive to keep a French pension abroad?", "a": "Yes. Pensioners abroad must send a certificate of life each year. If it is not returned within 2 months, payment is suspended." } ] }, { "iso2": "DE", "name": "Germany", "countryPage": "https://capital-fm.com/countries/germany", "readDate": "2026-11-01", "pageInSearch": true, "intro": "German pensions are split between the statutory scheme and employer promises. Tracing the second kind usually starts with the old employer.", "pension": { "state": { "id": "de.pension.deutsche-rentenversicherung", "kind": "state", "institution": "Deutsche Rentenversicherung (Kontenklärung)", "url": "https://www.deutsche-rentenversicherung.de/DRV/DE/Ueber-uns-und-Presse/Presse/Meldungen/2026/260706-rentenkonto-online-klaeren.html", "whatItHolds": "Your statutory pension insurance record. A Kontenklärung checks it and lets you add missing periods.", "fromAbroad": null }, "workplace": { "id": "de.pension.bafin", "kind": "workplace", "summary": "Ask your former employer whether it made a pension promise. BaFin runs a company database of insurers and pension funds (Pensionsfonds) that need its authorisation.", "url": "https://www.bafin.de/EN/die-bafin/publikationen-daten/datenbanken-uebersichten/unternehmenssuche/unternehmenssuche_en.html", "institution": "Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin)" }, "facts": [ { "text": "Earnings equal to the average earnings for the year give exactly one earnings point (Entgeltpunkt) in the statutory pension insurance.", "source": "Deutsche Rentenversicherung, glossary: Entgeltpunkte", "url": "https://www.deutsche-rentenversicherung.de/SharedDocs/Glossareintraege/DE/E/entgeltpunkte", "read": "2026-11-01" }, { "text": "An employer pension entitlement is kept if the job ends after the 21st birthday and the pension promise had lasted at least three years.", "source": "Betriebsrentengesetz section 1b, gesetze-im-internet.de", "url": "https://www.gesetze-im-internet.de/betravg/__1b.html", "read": "2026-11-01" }, { "text": "You can ask Deutsche Rentenversicherung to check your account (Kontenklärung) with form V0100 or online, and missing periods such as time abroad can be added during the check.", "source": "Deutsche Rentenversicherung, press release on online Kontenklärung", "url": "https://www.deutsche-rentenversicherung.de/DRV/DE/Ueber-uns-und-Presse/Presse/Meldungen/2026/260706-rentenkonto-online-klaeren.html", "read": "2026-11-01" } ], "deadline": null }, "other": [], "faqs": [ { "q": "How do I find a lost pension in Germany?", "a": "Ask your former employers whether they made a pension promise. The BaFin company database lists insurers and pension funds that need its authorisation. Your statutory record sits with Deutsche Rentenversicherung." }, { "q": "Can I check my German state pension from abroad?", "a": "The official pages do not say. You can ask Deutsche Rentenversicherung to check your account with form V0100 or online, so contact them directly about your case." }, { "q": "Do I keep an employer pension if I leave a German job early?", "a": "You keep the entitlement if the job ends after your 21st birthday and the pension promise had lasted at least three years. Other cases may follow different rules, so ask the employer." } ] }, { "iso2": "HK", "name": "Hong Kong", "countryPage": "https://capital-fm.com/countries/hong-kong", "readDate": "2026-11-01", "pageInSearch": true, "intro": "Most Hong Kong workplace savings sit in Mandatory Provident Fund accounts, all visible through one official platform. Older employer schemes are listed on a public register.", "pension": { "state": { "id": "hk.pension.empf", "kind": "state", "institution": "eMPF Platform (MPFA)", "url": "https://www.empf.org.hk/dA/a237f2480f/eMPF%20Registration%20(Web%20Portal%20Version).pdf", "whatItHolds": "Every Mandatory Provident Fund account under one login, as all MPF schemes run through this platform.", "fromAbroad": "Registration uses iAM Smart. The registration guide does not cover people abroad, so contact eMPF customer service.", "access": [ { "method": "sign-in", "note": "eMPF platform login" } ] }, "workplace": { "id": "hk.pension.mpfa", "kind": "workplace", "summary": "Some employers run older occupational schemes instead of, or beside, MPF. Check the MPFA register of ORSO schemes for these.", "url": "https://www.mpfa.org.hk/en/info-centre/public-registers/orso-schemes", "institution": "Mandatory Provident Fund Schemes Authority (MPFA)" }, "facts": [ { "text": "The Hong Kong Government yearbook says employer and employee must each pay 5 per cent of the employee's relevant income into a registered MPF scheme.", "source": "Hong Kong Government yearbook", "url": "https://www.yearbook.gov.hk/2006/en/04_06.htm", "read": "2026-11-01" }, { "text": "The MPFA says a personal account mainly holds contributions made under a member's former employment.", "source": "MPFA", "url": "https://www.mpfa.org.hk/en/mpf-system/mpf-account-management", "read": "2026-11-01" }, { "text": "The MPFA says MPF can be withdrawn before age 65 on permanent departure from Hong Kong, with a statutory declaration and proof of permission to reside outside Hong Kong, and the request goes through the eMPF Platform.", "source": "MPFA", "url": "https://www.mpfa.org.hk/en/mpf-system/withdrawal-of-mpf/early-withdrawal", "read": "2026-11-01" }, { "text": "The MPFA says employers with an exempted ORSO scheme must offer staff a choice between it and an MPF scheme, so a former employee may be in either.", "source": "MPFA", "url": "https://www.mpfa.org.hk/en/orso/statutory-requirements-for-exemption", "read": "2026-11-01" }, { "text": "The MPFA register of ORSO schemes can be searched by scheme name, employer name or exemption number.", "source": "MPFA", "url": "https://www.mpfa.org.hk/en/info-centre/public-registers/orso-schemes", "read": "2026-11-01" }, { "text": "The eMPF registration guide says registration is verified through iAM Smart, and gives the eMPF customer service hotline and email for other help.", "source": "eMPF Platform", "url": "https://www.empf.org.hk/dA/a237f2480f/eMPF%20Registration%20(Web%20Portal%20Version).pdf", "read": "2026-11-01" } ], "deadline": null }, "other": [], "faqs": [ { "q": "How do I find a lost pension in Hong Kong?", "a": "Register for the eMPF Platform to see your MPF accounts in one place. For older employer schemes, check the MPFA register of ORSO schemes." }, { "q": "Can I check my Hong Kong MPF from abroad?", "a": "The eMPF registration guide says registration is verified through iAM Smart and does not cover people abroad. Contact eMPF customer service for help." }, { "q": "Can I take my MPF out if I have left Hong Kong?", "a": "The MPFA says MPF can be withdrawn before age 65 on permanent departure, with a statutory declaration and proof of permission to reside outside Hong Kong. The request goes through the eMPF Platform." } ] }, { "iso2": "IS", "name": "Iceland", "countryPage": "https://capital-fm.com/countries/iceland", "readDate": "2026-11-01", "pageInSearch": true, "intro": "Most Icelandic pension money sits in occupational pension funds, and each fund keeps its own member records. The state pension is handled separately by the Social Insurance Administration.", "pension": { "state": { "id": "is.pension.tryggingastofnun", "kind": "state", "institution": "Tryggingastofnun (Social Insurance Administration)", "url": "https://island.is/en/o/social-insurance-administration/pension", "whatItHolds": "Tryggingastofnun pays the state old age pension. You must first apply to every pension fund where you have rights, then apply to Tryggingastofnun.", "fromAbroad": "If you live abroad and have rights in another country, contact the pension institution in that country. Iceland has social security agreements, but the rules differ by country." }, "workplace": { "id": "is.pension.lifeyrismal", "kind": "workplace", "summary": "Lifeyrisgattin shows rights earned in Icelandic pension funds. Log in through a fund's member site with Icelandic electronic ID, or phone the helpline if you have none. Then ask the fund for your record.", "url": "https://www.lifeyrismal.is/en/the-pension-gateway", "institution": "Lífeyrismál (Icelandic pension funds)", "access": [ { "method": "sign-in", "note": "Fund member site with Icelandic electronic ID" }, { "method": "phone", "note": "Helpline if you have no electronic ID" } ] }, "facts": [ { "text": "Total contributions to mandatory pension funds are 15.5 per cent of wages: 4 per cent from the worker and at least 11.5 per cent from the employer.", "source": "Lífeyrismál (Icelandic pension funds)", "url": "https://www.lifeyrismal.is/is/english/good-to-know/pension-funds", "read": "2026-11-01" }, { "text": "Membership of a pension fund is mandatory for wage earners and the self-employed aged 16 to 70, and the fund is set by the wage agreement or employment contract.", "source": "Lífeyrismál (Icelandic pension funds)", "url": "https://www.lifeyrismal.is/is/english/good-to-know/pension-funds", "read": "2026-11-01" }, { "text": "Earned pension rights stay in the fund or funds you paid into, and you must apply when payments fall due.", "source": "Lífeyrismál (Icelandic pension funds)", "url": "https://www.lifeyrismal.is/is/english/good-to-know/pension-funds", "read": "2026-11-01" }, { "text": "Iceland has social security agreements with the EEA, the Nordic countries, the United States, Canada, Switzerland and the United Kingdom. Rights earned in each EEA country are paid by that country.", "source": "Island.is", "url": "https://island.is/en/social-security-and-working-abroad/agreements", "read": "2026-11-01" }, { "text": "The Pension Gateway shows rights earned in Icelandic pension funds and, with your permission, rights at other funds. Login is with Icelandic electronic ID.", "source": "Lífeyrismál (Icelandic pension funds)", "url": "https://www.lifeyrismal.is/en/the-pension-gateway", "read": "2026-11-01" } ], "deadline": null }, "other": [ { "id": "is.register.register-of-pension-funds", "type": "register", "name": "Register of pension funds (Central Bank of Iceland)", "url": "https://www.stjornarradid.is/verkefni/almannatryggingar-og-lifeyrir/lifeyrismal/lifeyrissjodir/", "what": "The government's pension funds page says a register of funds with operating licences or approved articles is kept on the Central Bank's site." } ], "faqs": [ { "q": "How do I find a lost pension in Iceland?", "a": "Work out which fund your wage agreement or employer used, then ask that fund for your record. The Pension Gateway shows rights earned in Icelandic funds, and earned rights stay in the fund you paid into." }, { "q": "Can I check my Icelandic state pension from abroad?", "a": "Iceland has social security agreements with other countries, but the rules differ. If you have rights in another country, contact the pension institution there. Ask Tryggingastofnun about your own case." }, { "q": "Do I have to apply for my Icelandic fund pension?", "a": "Yes. Earned rights stay in the fund or funds you paid into, but you must apply when payments fall due. Contributions to the funds are 15.5 per cent of wages in total." } ] }, { "iso2": "IN", "name": "India", "countryPage": "https://capital-fm.com/countries/india", "readDate": "2026-11-01", "pageInSearch": true, "intro": "Most lost pension money in India sits in a provident fund account run by the EPFO. You trace it through the EPFO member portal and your UAN, the number tied to your employment.", "pension": { "state": { "id": "in.pension.epfo-uan-portal", "kind": "state", "institution": "EPFO Unified Member Portal (UAN)", "url": "https://www.epfo.gov.in/site_docs/PDFs/UAN_PDFs/UAN_ForMembers/FAQ-Member-Ver1.1.pdf", "whatItHolds": "Your EPF passbook, once your UAN is active on the member portal.", "fromAbroad": null }, "workplace": { "summary": "India has no public register that links employers to their pension funds. Ask your former employer for your UAN or EPF number.", "url": null, "institution": "Employees' Provident Fund Organisation (EPFO)" }, "facts": [ { "text": "The UAN is a permanent number that acts as an umbrella for the member IDs given to you by different employers.", "source": "EPFO member FAQ", "url": "https://www.epfo.gov.in/site_docs/PDFs/UAN_PDFs/UAN_ForMembers/FAQ-Member-Ver1.1.pdf", "read": "2026-11-01" }, { "text": "EPFO says your UAN is available with your employer. To use the member portal you need your UAN, mobile number and member ID to activate it.", "source": "EPFO member FAQ", "url": "https://www.epfo.gov.in/site_docs/PDFs/UAN_PDFs/UAN_ForMembers/FAQ-Member-Ver1.1.pdf", "read": "2026-11-01" }, { "text": "Once your UAN is active, you can download your passbook from the member portal. Exempted establishments are the exception: their passbooks are not on the portal.", "source": "EPFO member FAQ", "url": "https://www.epfo.gov.in/site_docs/PDFs/UAN_PDFs/UAN_ForMembers/FAQ-Member-Ver1.1.pdf", "read": "2026-11-01" } ], "deadline": null }, "other": [ { "id": "in.bank.udgam", "type": "bank", "name": "UDGAM", "body": "Reserve Bank of India", "url": "https://rbi.org.in/scripts/FS_FAQs.aspx?Id=166", "what": "A free RBI portal where registered users search for dormant deposits and accounts across several banks in one place; each bank handles the follow-up.", "access": [ { "method": "online-search", "note": "RBI portal for registered users" } ] }, { "id": "in.shares.iepf-refund", "type": "shares", "name": "IEPF refund", "body": "Investor Education and Protection Fund Authority", "url": "https://iepf.gov.in/IEPF/refund.html", "what": "Explains that if a company has moved your unpaid amount or shares to the IEPF, you can ask the Authority to return them by filing Form IEPF-5.", "access": [ { "method": "form", "note": "Form IEPF-5" } ] } ], "faqs": [ { "q": "How do I find a lost pension in India?", "a": "Ask your former employer for your UAN. EPFO says it is available with the employer. Activate it on the member portal, then download your passbook." }, { "q": "Is there a register that links employers to pension funds in India?", "a": "No. There is no public register that links employers to their pension funds, so you need your UAN or your former employer's help." }, { "q": "Can I find forgotten bank deposits or shares in India?", "a": "Yes, two official routes exist. The Reserve Bank's UDGAM portal searches dormant deposits across several banks. The IEPF Authority handles amounts and shares that companies have moved to the fund." } ] }, { "iso2": "ID", "name": "Indonesia", "countryPage": "https://capital-fm.com/countries/indonesia", "readDate": "2026-11-01", "pageInSearch": true, "intro": "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.", "pension": { "state": { "id": "id.pension.bpjs-ketenagakerjaan", "kind": "state", "institution": "BPJS Ketenagakerjaan", "url": "https://www.bpjsketenagakerjaan.go.id/artikel/18924/artikel-cara-mengecek-saldo-jht-bpjs-ketenagakerjaan.bpjs", "whatItHolds": "The national body holds old age savings (JHT) for members, who can check the balance in the JMO app.", "fromAbroad": "This page does not say whether overseas access is possible, so contact the body through its official site." }, "workplace": null, "facts": [ { "text": "The employer pays 3.7 per cent of wages and the worker pays 2 per cent towards JHT old age savings.", "source": "BPJS Ketenagakerjaan", "url": "https://www.bpjsketenagakerjaan.go.id/artikel/18913/artikel-berapa-besaran-iuran-jht,-jkk,-jkm,-jp-dan-jkp", "read": "2026-11-01" }, { "text": "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", "url": "https://www.bpjsketenagakerjaan.go.id/artikel/18924/artikel-cara-mengecek-saldo-jht-bpjs-ketenagakerjaan.bpjs", "read": "2026-11-01" } ], "deadline": null }, "other": [ { "id": "id.shares.akses", "type": "shares", "name": "AKSes (Acuan Kepemilikan Sekuritas)", "body": "PT Kustodian Sentral Efek Indonesia (KSEI), the central securities depository", "url": "https://web.ksei.co.id/faqs", "what": "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." } ], "faqs": [ { "q": "How do I find a lost pension in Indonesia?", "a": "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." }, { "q": "What goes into Indonesian JHT savings?", "a": "The employer pays 3.7 per cent of wages and the worker pays 2 per cent towards JHT old age savings." }, { "q": "How can I trace forgotten shares in Indonesia?", "a": "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." } ] }, { "iso2": "IE", "name": "Ireland", "countryPage": "https://capital-fm.com/countries/ireland", "readDate": "2026-11-01", "pageInSearch": true, "intro": "Irish state pension records sit with the Department of Social Protection. Dormant bank accounts are held by the institution first and later moved to a State fund, and you can still trace them.", "pension": { "state": { "id": "ie.pension.department-of-social-protection", "kind": "state", "institution": "Department of Social Protection", "url": "https://www.gov.ie/en/department-of-social-protection/services/state-pension-contributory/", "whatItHolds": "State Pension (Contributory) rates, contribution rules and how to apply.", "fromAbroad": "The department can pay your pension into an Irish account or into an account in the country where you live." }, "workplace": { "id": "ie.pension.the-pensions-authority", "kind": "workplace", "summary": "The Pensions Authority supplies Irish data to a public register of European occupational pension schemes, published by EIOPA. It covers schemes with 12 or more active and deferred members.", "url": "https://pensionsauthority.ie/data/public_register_of_european_occupational_pension_schemes/", "institution": "The Pensions Authority" }, "facts": [ { "text": "The maximum personal weekly rate of State Pension (Contributory) is 299.30 euro. At least 2080 full rate contributions give the maximum rate.", "source": "Department of Social Protection, gov.ie", "url": "https://www.gov.ie/en/department-of-social-protection/services/state-pension-contributory/", "read": "2026-11-01" }, { "text": "If you paid social insurance in another country covered by EC regulations or an Irish social security agreement, you may get a pro rata pension.", "source": "Department of Social Protection, gov.ie", "url": "https://www.gov.ie/en/department-of-social-protection/services/state-pension-contributory/", "read": "2026-11-01" }, { "text": "A bank, building society or An Post account is dormant if no transaction has been made in the previous 15 years on 30 September.", "source": "Central Bank of Ireland", "url": "https://www.centralbank.ie/regulation/industry-market-sectors/credit-institutions/other-requirements/dormant-accounts", "read": "2026-11-01" } ], "deadline": null }, "other": [ { "id": "ie.bank.dormant-accounts", "type": "bank", "name": "Dormant Accounts (Dormant Accounts Act 2001)", "body": "Central Bank of Ireland; accounts held by banks, building societies and An Post", "url": "https://www.centralbank.ie/regulation/industry-market-sectors/credit-institutions/other-requirements/dormant-accounts", "what": "Says owners keep their rights after funds move to the Dormant Accounts Fund and can get them back at any time by contacting the institution that held the account." }, { "id": "ie.insurance.dormant-accounts-fund-life-policies", "type": "insurance", "name": "Dormant Accounts Fund and forgotten life policies", "body": "National Treasury Management Agency (NTMA)", "url": "https://www.ntma.ie/business-areas/funding-and-debt-management/other/dormant-accounts", "what": "Says to contact the insurer and complete its enquiry form for a dormant life assurance policy.", "access": [ { "method": "form", "note": "The insurer's enquiry form" } ] } ], "faqs": [ { "q": "How do I find a lost pension in Ireland?", "a": "Check the public register of European occupational pension schemes, published by EIOPA with data from The Pensions Authority. It covers schemes with 12 or more active and deferred members." }, { "q": "Can I check my Ireland state pension from abroad?", "a": "The Department of Social Protection can pay State Pension (Contributory) into an Irish account or one in the country where you live. If you paid social insurance in another covered country, you may get a pro rata pension." }, { "q": "How do I find a forgotten Irish bank account?", "a": "An account is dormant if no transaction was made in the previous 15 years on 30 September. Contact the bank, building society or An Post. Owners keep their rights after funds move to the Dormant Accounts Fund." } ] }, { "iso2": "IL", "name": "Israel", "countryPage": "https://capital-fm.com/countries/israel", "readDate": "2026-11-01", "pageInSearch": true, "intro": "Israel has a free official search for inactive bank accounts and deposits, announced by the Bank of Israel. It is a first step for forgotten money held at banks.", "pension": { "state": null, "workplace": null, "facts": [ { "text": "The Bank of Israel's Banking Supervision Department announced the Money Mountain 2 website in 2016 to help people find inactive bank accounts and deposits, including those of people who have died, at no cost.", "source": "Bank of Israel", "url": "https://boi.org.il/en/communication-and-publications/press-releases/another-banking-supervision-department-measure-on-behalf-of-the-public-a-new-system-to-locate-money-held-at-banks/", "read": "2026-11-01" }, { "text": "Results list the banks where you may have inactive accounts or deposits. They do not show account type, number or balance, so you contact the listed banks.", "source": "Bank of Israel", "url": "https://boi.org.il/en/communication-and-publications/press-releases/another-banking-supervision-department-measure-on-behalf-of-the-public-a-new-system-to-locate-money-held-at-banks/", "read": "2026-11-01" } ], "deadline": null }, "other": [ { "id": "il.bank.money-mountain", "type": "bank", "name": "Money Mountain 2 (Har HaKesef 2)", "body": "Bank of Israel", "url": "https://boi.org.il/en/communication-and-publications/press-releases/another-banking-supervision-department-measure-on-behalf-of-the-public-a-new-system-to-locate-money-held-at-banks/", "what": "Bank of Israel notice of a free website for finding inactive bank accounts and deposits, including those of people who have died." } ], "faqs": [ { "q": "How do I find forgotten bank accounts in Israel?", "a": "The Bank of Israel announced Money Mountain 2, a free website for finding inactive bank accounts and deposits, including those of people who have died." }, { "q": "What does the search show?", "a": "It lists the banks where you may have inactive accounts or deposits. It does not show account type, number or balance, so you contact the listed banks." }, { "q": "Is there a search for Israeli pension and provident accounts?", "a": "We could not verify an official page for this today, so we do not describe one. Ask your former employer or the fund directly." } ] }, { "iso2": "IT", "name": "Italy", "countryPage": "https://capital-fm.com/countries/italy", "readDate": "2026-11-01", "pageInSearch": false, "intro": "Italy keeps its state pension record with one national body, INPS. Start with your personal social security file there.", "pension": { "state": { "id": "it.pension.inps", "kind": "state", "institution": "INPS (Fascicolo previdenziale del cittadino)", "url": "https://www.inps.it/it/it/inps-comunica/diritti-e-obblighi-in-materia-di-sicurezza-sociale-nell-unione-e/procedure/procedura-fascicolo-previdenziale-del-cittadino.html", "whatItHolds": "Your contribution record, health or income certificates and letters INPS has sent you.", "fromAbroad": "Check the INPS page for the sign-in method that applies to you." }, "workplace": { "summary": "COVIP is Italy's pension fund supervisor. Ask your former employer which fund held your work pension.", "url": null, "institution": "COVIP" }, "facts": [ { "text": "The fascicolo previdenziale lets you view, download and print documents on your contribution position, health or income certificates and letters sent by INPS.", "source": "INPS", "url": "https://www.inps.it/it/it/inps-comunica/diritti-e-obblighi-in-materia-di-sicurezza-sociale-nell-unione-e/procedure/procedura-fascicolo-previdenziale-del-cittadino.html", "read": "2026-11-01" } ], "deadline": null }, "other": [], "faqs": [ { "q": "How do I find a lost pension in Italy?", "a": "Start with your Fascicolo previdenziale del cittadino at INPS. It holds documents on your contribution position." }, { "q": "What does the INPS fascicolo hold?", "a": "INPS says it lets you view, download and print documents on your contribution position, health or income certificates and letters INPS sent you." }, { "q": "Can I check my Italian state record from abroad?", "a": "INPS runs a service for pensioners and workers living abroad. Check the INPS site for the sign-in method that applies to you." } ] }, { "iso2": "JP", "name": "Japan", "countryPage": "https://capital-fm.com/countries/japan", "readDate": "2026-11-01", "pageInSearch": true, "intro": "Japan keeps one national record of the months you were insured, so most lost pension money starts there. Other forgotten savings are harder to trace from abroad.", "pension": { "state": { "id": "jp.pension.nenkin-net", "kind": "state", "institution": "Nenkin Net (Japan Pension Service)", "url": "https://www.nenkin.go.jp/n_net/registration/summary.html", "whatItHolds": "Your pension records, contribution history and benefit estimates.", "fromAbroad": "Overseas residents can use Nenkin Net. A user ID is issued only if your details match the pension record, and it is posted to your overseas address." }, "workplace": { "summary": "Japan has no public register that links employers to their pension funds. Ask your former employer which fund held your years.", "url": null, "institution": null }, "facts": [ { "text": "Registering for Nenkin Net needs either a My Number Card and an email address, or a basic pension number and an email address to get a user ID.", "source": "Japan Pension Service", "url": "https://www.nenkin.go.jp/n_net/registration/summary.html", "read": "2026-11-01" }, { "text": "The Japan Pension Service says people living overseas can use Nenkin Net.", "source": "Japan Pension Service", "url": "https://www.nenkin.go.jp/service/scenebetsu/kaigai.html", "read": "2026-11-01" }, { "text": "For overseas residents, a Nenkin Net user ID is issued only if the details entered match the record for the basic pension number, and a postcard with the ID is sent to the overseas address.", "source": "Japan Pension Service", "url": "https://www.nenkin.go.jp/service/nenkinkiroku/torikumi/teikibin/kaigaiteikibin.html", "read": "2026-11-01" }, { "text": "Overseas residents can view the electronic version of the pension notice (nenkin teikibin) on Nenkin Net.", "source": "Japan Pension Service", "url": "https://www.nenkin.go.jp/service/nenkinkiroku/torikumi/teikibin/kaigaiteikibin.html", "read": "2026-11-01" }, { "text": "Under the dormant deposits law, a former depositor can ask the Deposit Insurance Corporation, or a bank it appoints, to pay the principal plus an amount equal to interest.", "source": "Financial Services Agency", "url": "https://www.fsa.go.jp/policy/kyuminyokin/01gaiyou.pdf", "read": "2026-11-01" } ], "deadline": null }, "other": [ { "id": "jp.bank.dormant-bank-deposits", "type": "bank", "name": "Dormant bank deposits (Ministry of Finance, Chugoku Local Finance Bureau)", "what": "The page says deposits with no transactions for 10 years or more can still be withdrawn by taking a passbook, seal and ID to the bank where the account was held.", "url": "https://lfb.mof.go.jp/chugoku/kinyusyouken/kyuuminyokin.html", "read": "2026-11-01" } ], "faqs": [ { "q": "How do I find a lost pension in Japan?", "a": "Start with Nenkin Net, run by the Japan Pension Service, which holds your contribution history. For a workplace fund, ask the former employer, as Japan has no public register linking employers to funds." }, { "q": "Can I check my Japanese state pension from abroad?", "a": "Yes. The Japan Pension Service says overseas residents can use Nenkin Net. The user ID is posted to your overseas address, and only if your details match the pension record." }, { "q": "Can I find a forgotten bank account in Japan?", "a": "Deposits with no transactions for 10 years or more can still be withdrawn. Take your passbook, seal and ID to the bank where the account was held." } ] }, { "iso2": "LV", "name": "Latvia", "countryPage": "https://capital-fm.com/countries/latvia", "readDate": "2026-11-01", "pageInSearch": true, "intro": "Latvia's private pension funds are listed by Latvijas Banka. Start there to find a fund name, then ask the fund about your account.", "pension": { "state": null, "workplace": { "id": "lv.pension.latvijas-banka", "kind": "workplace", "summary": "Latvijas Banka publishes a month-end list of pension plans and the private pension funds or managers behind them. Check it for the fund name, then contact the fund directly.", "url": "https://bank.lv/en/statistics/information-for-data-users/lists", "institution": "Latvijas Banka" }, "facts": [ { "text": "Latvijas Banka publishes a month-end list of pension plans, showing the plan name and the private pension fund or investment management company behind it.", "source": "Latvijas Banka", "url": "https://bank.lv/en/statistics/information-for-data-users/lists", "read": "2026-11-01" }, { "text": "A private pension fund is a joint-stock company that needs a licence from Latvijas Banka.", "source": "Latvijas Banka", "url": "https://www.bank.lv/en/operational-areas/licensing/pension-funds/private-pension-funds", "read": "2026-11-01" } ], "deadline": null }, "other": [ { "id": "lv.register.list-of-pension-funds", "type": "register", "name": "List of pension funds (Latvijas Banka)", "url": "https://bank.lv/en/statistics/information-for-data-users/lists", "what": "Month-end list of pension plans and the private pension funds or managers that run them." } ], "faqs": [ { "q": "How do I find a lost pension in Latvia?", "a": "For a private fund, check the list of pension funds published by Latvijas Banka, then ask the fund about your account." }, { "q": "Where can I find out which private pension funds exist in Latvia?", "a": "Latvijas Banka publishes a month-end list of pension plans and the funds or managers behind them. Use it to find the fund name." }, { "q": "Who licenses private pension funds in Latvia?", "a": "Latvijas Banka. A private pension fund is a joint-stock company that needs its licence." } ] }, { "iso2": "LI", "name": "Liechtenstein", "countryPage": "https://capital-fm.com/countries/liechtenstein", "readDate": "2026-11-01", "pageInSearch": true, "intro": "Liechtenstein keeps your state pension record in an individual account (IK). You can ask the AHV-IV-FAK for a free extract, and employer pension funds are supervised by the FMA.", "pension": { "state": { "id": "li.pension.ahv-iv-fak", "kind": "state", "institution": "Liechtensteinische AHV-IV-FAK", "url": "https://www.ahv.li/online-schalter/ik-auszug-anfordern", "whatItHolds": "The AHV-IV-FAK keeps an individual account (IK) of the earnings on which contributions were paid, and you can order an extract of it.", "fromAbroad": "The order form needs no login and has a country field, and foreign nationals must add a copy of an ID or passport. The page does not say outright that delivery abroad is allowed.", "access": [ { "method": "form", "note": "Online order form, no login needed" } ] }, "workplace": { "id": "li.pension.fma", "kind": "workplace", "summary": "Occupational pension institutions (Vorsorgeeinrichtungen) in Liechtenstein are supervised by the FMA. Ask your old employer which fund it used, then ask that fund for your record.", "url": "https://www.fma-li.li/fma-li/documents/publikationen/betriebliche-personalvorsorge-in-liechtenstein/betriebliche-personalvorsorge-in-liechtenstein-2025.pdf", "institution": "Finanzmarktaufsicht Liechtenstein (FMA)" }, "facts": [ { "text": "Insured persons can order an extract from their individual account (IK) from the AHV-IV-FAK free of charge.", "source": "AHV-IV-FAK Liechtenstein", "url": "https://www.ahv.li/beitraege/individuelles-konto-ik", "read": "2026-11-01" }, { "text": "The IK extract only shows contributions earned in Liechtenstein, and foreign nationals must send a copy of an ID or passport with the order.", "source": "AHV-IV-FAK Liechtenstein", "url": "https://www.ahv.li/online-schalter/ik-auszug-anfordern", "read": "2026-11-01" }, { "text": "At the end of 2024, 15 occupational pension institutions were under FMA supervision: five collective foundations and ten company foundations.", "source": "FMA Liechtenstein", "url": "https://www.fma-li.li/fma-li/documents/publikationen/betriebliche-personalvorsorge-in-liechtenstein/betriebliche-personalvorsorge-in-liechtenstein-2025.pdf", "read": "2026-11-01" }, { "text": "The ordinary contribution rate for 2026 is 11.7 per cent of wages: 8.25 per cent for AHV, 1.35 per cent for IV and 2.1 per cent for FAK.", "source": "AHV-IV-FAK Liechtenstein", "url": "https://www.ahv.li/fileadmin/user_upload/Dokumente/Ueber/VKV/AHV-IV-FAK-VKV--2026.pdf", "read": "2026-11-01" }, { "text": "A separate administrative cost contribution of 0.585 per cent of wages applies in 2026, and employees do not pay it.", "source": "AHV-IV-FAK Liechtenstein", "url": "https://www.ahv.li/fileadmin/user_upload/Dokumente/Ueber/VKV/AHV-IV-FAK-VKV--2026.pdf", "read": "2026-11-01" } ], "deadline": null }, "other": [ { "id": "li.register.fma-occupational-pensions-publication", "type": "register", "name": "FMA Liechtenstein: occupational pensions publication (names the Zentralstelle 2. Säule)", "body": "Stiftung Sicherheitsfonds BVG", "url": "https://www.fma-li.li/fma-li/documents/publikationen/betriebliche-personalvorsorge-in-liechtenstein/betriebliche-personalvorsorge-in-liechtenstein-2025.pdf", "what": "The FMA publication names this central office as the contact for forgotten occupational pension assets." } ], "faqs": [ { "q": "How do I find a lost pension in Liechtenstein?", "a": "Order an IK extract from the AHV-IV-FAK to see your state pension record. For an employer pension, ask the old employer which fund it used, or ask the FMA or the central office for forgotten pension assets." }, { "q": "Can I check my Liechtenstein state pension from abroad?", "a": "Probably. The IK order form needs no login and has a country field, and foreign nationals add a copy of an ID or passport. The page does not say outright that delivery abroad is allowed." }, { "q": "Do employees pay the administrative cost contribution in Liechtenstein?", "a": "No. The AHV-IV-FAK states that employees pay no administrative cost contribution. The 2026 rate is 0.585 per cent of wages." } ] }, { "iso2": "LU", "name": "Luxembourg", "countryPage": "https://capital-fm.com/countries/luxembourg", "readDate": "2026-11-01", "pageInSearch": true, "intro": "Luxembourg's state pension is held by CNAP, and workplace pension funds sit on a public regulator list. Dormant bank and insurance assets are held by the State Treasury.", "pension": { "state": { "id": "lu.pension.cnap", "kind": "state", "institution": "Caisse nationale d'assurance pension (CNAP)", "url": "https://guichet.public.lu/fr/citoyens/travail/pension/assurance-pension/estimation-pension-vieillesse.html", "whatItHolds": "Your pension contribution record and entitlement information.", "fromAbroad": "Guichet.lu says you do not need to live in Luxembourg, but you need a 13 digit matricule. You can sign in with LuxTrust or an eID, or request an estimate by post.", "access": [ { "method": "sign-in", "note": "LuxTrust or an eID" } ] }, "workplace": { "id": "lu.pension.caa", "kind": "workplace", "summary": "The Commissariat aux Assurances (CAA) publishes a list of Luxembourg pension funds. Use it to name a fund, then contact it directly.", "url": "https://www.caa.lu/en/operators/pension-funds", "institution": "Commissariat aux Assurances (CAA)" }, "facts": [ { "text": "Guichet.lu says you do not need to be resident in Luxembourg to ask for a pension estimate, but you need a 13 digit national identification number (matricule).", "source": "Guichet.lu", "url": "https://guichet.public.lu/fr/citoyens/travail/pension/assurance-pension/estimation-pension-vieillesse.html", "read": "2026-11-01" }, { "text": "The online route on Guichet.lu uses a LuxTrust product or an eID; you can also send the request by post on a downloadable form.", "source": "Guichet.lu", "url": "https://guichet.public.lu/fr/citoyens/travail/pension/assurance-pension/estimation-pension-vieillesse.html", "read": "2026-11-01" }, { "text": "MyGuichet.lu accepts electronic identification from other EU and EEA countries (eIDAS), but you need a 13 digit Luxembourg national identification number.", "source": "Guichet.lu", "url": "https://guichet.public.lu/en/citoyens/support/aide/myguichet/enregistrement/eidas.html", "read": "2026-11-01" }, { "text": "CNAP runs international information days for people who are or were employed in Germany, France, Belgium or Luxembourg.", "source": "CNAP", "url": "https://cnap.public.lu/fr/journees-internationales-information.html", "read": "2026-11-01" }, { "text": "Since 1 December 2023, a person who justifies a right to consigned assets can send the State Treasury's Consignment Office an information request on entries in its electronic register of consignments.", "source": "Trésorerie de l'Etat", "url": "https://tresorerie.public.lu/en/caisse-consignation/comptes-dormants.html", "read": "2026-11-01" } ], "deadline": null }, "other": [ { "id": "lu.register.caisse-de-consignation-information-request", "type": "register", "name": "Caisse de consignation information request", "body": "Trésorerie de l'Etat (State Treasury)", "url": "https://tresorerie.public.lu/en/caisse-consignation/comptes-dormants.html", "what": "Banks and insurers pass dormant account, safe deposit box and long-unpaid insurance assets to the Consignment Office; a person who justifies a right to them can send an information request on its electronic register." } ], "faqs": [ { "q": "How do I find a lost pension in Luxembourg?", "a": "Start with CNAP and Guichet.lu for a pension estimate. For a workplace pension, check the CAA list of Luxembourg pension funds to name the fund, then contact it." }, { "q": "Can I check my Luxembourg state pension from abroad?", "a": "Yes, with conditions. Guichet.lu says you do not need to live in Luxembourg, but you need a 13 digit matricule. You can sign in with LuxTrust or an eID, or send the request by post." }, { "q": "How do I find dormant accounts or insurance in Luxembourg?", "a": "Send an information request to the State Treasury's Consignment Office about its electronic register of consignments. You must justify a right to the assets." } ] }, { "iso2": "MY", "name": "Malaysia", "countryPage": "https://capital-fm.com/countries/malaysia", "readDate": "2026-11-01", "pageInSearch": true, "intro": "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.", "pension": { "state": { "id": "my.pension.employees-provident-fund", "kind": "state", "institution": "Employees Provident Fund (KWSP)", "url": "https://www.kwsp.gov.my/en/member/account-centre/leaving-country", "whatItHolds": "EPF savings in Malaysia, paid out on an application.", "fromAbroad": "The page lists local and overseas payment methods. Forms go to the nearest EPF office or by post to EPF headquarters in Shah Alam.", "access": [ { "method": "form", "note": "Forms go to the nearest EPF office" }, { "method": "letter", "note": "By post to EPF headquarters" } ] }, "workplace": null, "facts": [ { "text": "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", "url": "https://www.kwsp.gov.my/en/member/account-centre/leaving-country", "read": "2026-11-01" } ], "deadline": { "text": "KWSP says expatriates should apply two months before the work permit expires, the contract ends or the resignation date.", "source": "kwsp.gov.my", "url": "https://www.kwsp.gov.my/en/member/account-centre/leaving-country", "read": "2026-11-01" } }, "other": [ { "id": "my.register.egumis", "type": "register", "name": "eGUMIS: Malaysia's register of money held for owners", "body": "Accountant General's Department of Malaysia", "url": "https://egumis.anm.gov.my/wtd/search", "what": "Enter an identification number to see how many items of dormant money are held for it; detail needs registration and login.", "access": [ { "method": "online-search", "note": "Enter an identification number to see how many items are held" }, { "method": "sign-in", "note": "Detail needs registration and login" } ] }, { "id": "my.bank.register-bank-accounts", "type": "bank", "name": "Malaysia register: bank accounts", "body": "Accountant General's Department of Malaysia", "url": "https://ewtd.anm.gov.my/download/artikel/en/General%20Information%20of%20Unclaimed%20Money.pdf", "what": "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." }, { "id": "my.shares.register-dividends", "type": "shares", "name": "Malaysia register: dividends", "body": "Accountant General's Department of Malaysia", "url": "https://ewtd.anm.gov.my/download/artikel/en/General%20Information%20of%20Unclaimed%20Money.pdf", "what": "Dividends left unpaid for at least one year are treated as dormant money, and holders deliver them to the Accountant General as Registrar." }, { "id": "my.insurance.register-insurance", "type": "insurance", "name": "Malaysia register: insurance", "body": "Accountant General's Department of Malaysia", "url": "https://ewtd.anm.gov.my/download/artikel/en/General%20Information%20of%20Unclaimed%20Money.pdf", "what": "Insurance payments approved but left unpaid for at least one year are treated as dormant money." } ], "faqs": [ { "q": "How do I find a lost pension in Malaysia?", "a": "Contact KWSP for your EPF savings. You can also search eGUMIS by identification number for money the government holds in your name." }, { "q": "How do I apply from abroad for my Malaysian EPF savings?", "a": "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." }, { "q": "When should an expatriate apply to KWSP?", "a": "KWSP says expatriates should apply two months before the work permit expires, the contract ends or the resignation date." } ] }, { "iso2": "MX", "name": "Mexico", "countryPage": "https://capital-fm.com/countries/mexico", "readDate": "2026-11-01", "pageInSearch": true, "intro": "Most forgotten retirement money in Mexico sits in an individual account with an AFORE. A free official search names the AFORE that holds it, and CONDUSEF can help beneficiaries trace a dead relative's life policies and bank accounts.", "pension": { "state": { "id": "mx.pension.localiza-tu-afore", "kind": "state", "institution": "CONSAR, Localiza tu AFORE (AforeWeb)", "url": "https://www.consar.gob.mx/gobmx/aplicativo/catsar/Principal/TramiteExt.aspx?idTramite=3&PAG_ACTUAL=%2Fgobmx%2Faplicativo%2Fcatsar%2FPrincipal%2FInicioExt.aspx", "whatItHolds": "It tells you whether you have an individual account, which AFORE holds it, and that AFORE's contact details, using your NSS or CURP plus an email address.", "fromAbroad": "CONDUSEF says people abroad can locate their AFORE by phone through SARTEL International, online through e-sar.com.mx, or with the AforeMovil app." }, "workplace": { "summary": "Official pages we could check do not give a public search for workplace pension plans. Start from the employer's name.", "url": null, "institution": "CONSAR" }, "facts": [ { "text": "CONSAR says locating an individual account online is immediate and needs an 11-digit NSS or an 18-character CURP, plus an email address for the result.", "source": "CONSAR", "url": "https://www.consar.gob.mx/gobmx/aplicativo/catsar/Principal/TramiteExt.aspx?idTramite=3&PAG_ACTUAL=%2Fgobmx%2Faplicativo%2Fcatsar%2FPrincipal%2FInicioExt.aspx", "read": "2026-11-01" }, { "text": "CONDUSEF says people abroad can locate their AFORE account by phone through SARTEL International, online at e-sar.com.mx, or with the AforeMovil app; the app needs a consular card, INE or passport.", "source": "CONDUSEF", "url": "https://www.condusef.gob.mx/documentos/mxexterior/contenido-instituciones/cuenta-afore-consar.pdf", "read": "2026-11-01" }, { "text": "CONDUSEF says anyone can ask whether they are a beneficiary of a life policy through SIAB-VIDA, by filing a request at a CONDUSEF user attention unit with ID and the death certificate. The response is due within 30 business days.", "source": "CONDUSEF", "url": "https://revista.condusef.gob.mx/ahorro-general/2022/11/eres-beneficiario-de-un-seguro-de-vida-o-cuenta-de-ahorro/", "read": "2026-11-01" } ], "deadline": null }, "other": [ { "id": "mx.insurance.siab-vida", "type": "insurance", "name": "CONDUSEF SIAB-VIDA", "url": "https://revista.condusef.gob.mx/ahorro-general/2022/11/eres-beneficiario-de-un-seguro-de-vida-o-cuenta-de-ahorro/", "what": "CONDUSEF says its SIAB-VIDA service tells you whether you are a beneficiary of a deceased person's life insurance policy.", "read": "2026-11-01" }, { "id": "mx.bank.beneficiary-deposit-search", "type": "bank", "name": "CONDUSEF beneficiary search for deposit accounts", "url": "https://revista.condusef.gob.mx/ahorro-general/2022/11/eres-beneficiario-de-un-seguro-de-vida-o-cuenta-de-ahorro/", "what": "CONDUSEF says it can check whether you are a beneficiary of a deceased person's deposit accounts, using a request filed with a death certificate and ID.", "read": "2026-11-01" } ], "faqs": [ { "q": "How do I find a lost pension in Mexico?", "a": "Use Localiza tu AFORE with your NSS or your CURP plus an email address. It names the AFORE that holds your individual retirement account." }, { "q": "Can I check my Mexican pension from abroad?", "a": "Yes. CONDUSEF says people abroad can locate their AFORE by phone through SARTEL International, online at e-sar.com.mx, or with the AforeMovil app." }, { "q": "Can I find out if a dead relative left a life policy in Mexico?", "a": "Yes. Ask CONDUSEF for SIAB-VIDA at a user attention unit with your ID and the death certificate. The response is due within 30 business days." } ] }, { "iso2": "NL", "name": "Netherlands", "countryPage": "https://capital-fm.com/countries/netherlands", "readDate": "2026-11-01", "pageInSearch": true, "intro": "The Netherlands has a national pension overview and a bank-run search for dormant accounts. Life insurance policies can be traced through the insurers' association.", "pension": { "state": { "id": "nl.pension.svb-aow", "kind": "state", "institution": "Sociale Verzekeringsbank (SVB)", "url": "https://www.svb.nl/en/aow-pension/arranging-your-affairs/applying-for-an-aow-pension-if-you-live-outside-the-netherlands", "whatItHolds": "The SVB pays the AOW state pension and takes applications for it.", "fromAbroad": "The SVB says you can apply for AOW even if you have no DigiD or citizen service number." }, "workplace": { "id": "nl.pension.mijn-pensioenoverzicht", "kind": "workplace", "summary": "Mijn Pensioenoverzicht shows how much pension you have built up in the Netherlands. You need a DigiD or an EU-approved login key from another European country. It does not show pension built up outside the Netherlands.", "url": "https://www.netherlandsworldwide.nl/retiring/how-much-pension", "institution": "Mijn Pensioenoverzicht (via NetherlandsWorldwide)", "access": [ { "method": "sign-in", "note": "DigiD or an EU-approved login key" } ] }, "facts": [ { "text": "Each year of insurance under the AOW scheme entitles you to 2% of a full AOW pension.", "source": "SVB, Building up an AOW pension", "url": "https://www.svb.nl/en/aow-pension/what-is-aow/building-up-an-aow-pension", "read": "2026-11-01" }, { "text": "You can apply for AOW even if you do not have a DigiD or a citizen service number (BSN).", "source": "SVB, Applying for an AOW pension if you live outside the Netherlands", "url": "https://www.svb.nl/en/aow-pension/arranging-your-affairs/applying-for-an-aow-pension-if-you-live-outside-the-netherlands", "read": "2026-11-01" }, { "text": "To log in to mijnpensioenoverzicht.nl you need a DigiD or an EU-approved login key from another European country. It does not show pension built up outside the Netherlands.", "source": "NetherlandsWorldwide, How much pension have I accrued", "url": "https://www.netherlandsworldwide.nl/retiring/how-much-pension", "read": "2026-11-01" } ], "deadline": { "text": "You should apply for AOW 6 months before you reach AOW pension age.", "source": "SVB, Applying for an AOW pension if you live outside the Netherlands", "url": "https://www.svb.nl/en/aow-pension/arranging-your-affairs/applying-for-an-aow-pension-if-you-live-outside-the-netherlands", "read": "2026-11-01" } }, "other": [ { "id": "nl.bank.loket-slapende-tegoeden", "type": "bank", "name": "Loket Slapende Tegoeden", "body": "Dutch banks, through the Nederlandse Vereniging van Banken", "url": "https://www.slapendetegoeden.nl/", "what": "Heirs and executors can send one request to all participating banks to find out whether a deceased person left dormant accounts." }, { "id": "nl.insurance.zoekservice-levensverzekeringen", "type": "insurance", "name": "Zoekservice levensverzekeringen", "body": "Verbond van Verzekeraars (Dutch Association of Insurers)", "url": "https://zoekservice.vanatotzekerheid.nl/", "what": "Asks participating insurers to search for life insurance policies in your name, or whether a deceased person was insured." }, { "id": "nl.insurance.lost-policy-insurer-unknown", "type": "insurance", "name": "Lost policy, insurer unknown", "body": "De Nederlandsche Bank (DNB)", "url": "https://www.dnb.nl/en/reliable-financial-sector/lost-policy-insurer-unknown/", "what": "Points you to the insurers' search service if you cannot find a policy or the insurer's name." } ], "faqs": [ { "q": "How do I find a lost pension in the Netherlands?", "a": "Log in to Mijn Pensioenoverzicht to see the pension you have built up in the Netherlands. You need a DigiD or an EU-approved login key from another European country. It does not show pension built up elsewhere." }, { "q": "Can I check my Netherlands state pension from abroad?", "a": "Yes, in part. The SVB, which pays the AOW, says you can apply without a DigiD or citizen service number. Each insured year builds 2% of a full AOW pension, and you should apply 6 months before AOW pension age." }, { "q": "How do I find a forgotten Dutch life insurance policy?", "a": "Use the insurers' association search service. It asks participating insurers whether they hold a policy for you or for someone who has died. If a policy document names the insurer, contact that insurer first." } ] }, { "iso2": "NZ", "name": "New Zealand", "countryPage": "https://capital-fm.com/countries/new-zealand", "readDate": "2026-11-01", "pageInSearch": true, "intro": "KiwiSaver and money held by the state can both be traced through official New Zealand pages.", "pension": { "state": { "id": "nz.pension.nz-super", "kind": "state", "institution": "Work and Income (NZ Super)", "url": "https://www.workandincome.govt.nz/eligibility/seniors/superannuation/who-can-get-it/index.html", "whatItHolds": "The residence and age rules for NZ Super.", "fromAbroad": "Work and Income says you must be ordinarily resident in New Zealand, the Cook Islands, Niue or Tokelau when you apply." }, "workplace": { "id": "nz.pension.kiwisaver-myir", "kind": "workplace", "summary": "If you are a KiwiSaver member but do not know your provider, Inland Revenue says to look in myIR under the KiwiSaver section.", "url": "https://www.ird.govt.nz/kiwisaver/kiwisaver-individuals", "institution": "Inland Revenue (myIR, KiwiSaver)" }, "facts": [ { "text": "The Financial Markets Authority reports 3,385,856 KiwiSaver members, 123.1 billion dollars under management and a mean balance of 36,349 dollars at 31 March 2025, with 1,375,820 members contributing nothing.", "source": "Financial Markets Authority", "url": "https://www.fma.govt.nz/assets/Reports/KiwiSaver-Annual-Report-2025.pdf", "read": "2026-11-01" }, { "text": "If you are a KiwiSaver member but do not know your scheme provider, look in myIR under the KiwiSaver section, where the provider's contact details are also shown.", "source": "Inland Revenue", "url": "https://www.ird.govt.nz/kiwisaver/kiwisaver-individuals", "read": "2026-11-01" }, { "text": "After living overseas, outside Australia, for a year you can withdraw most of your KiwiSaver savings, but you cannot take out the government contributions.", "source": "Inland Revenue", "url": "https://www.ird.govt.nz/kiwisaver/kiwisaver-individuals/getting-my-kiwisaver-funds-early/getting-my-kiwisaver-funds-when-i-move-overseas", "read": "2026-11-01" }, { "text": "NZ Super is open to people aged 65 or older who are ordinarily resident in New Zealand, the Cook Islands, Niue or Tokelau when they apply.", "source": "Work and Income", "url": "https://www.workandincome.govt.nz/eligibility/seniors/superannuation/who-can-get-it/index.html", "read": "2026-11-01" }, { "text": "Money left untouched with banks or other holders is generally passed to Inland Revenue, Public Trust or Treasury after 5 years, and in limited cases sooner.", "source": "Inland Revenue", "url": "https://www.ird.govt.nz/unclaimedmoney", "read": "2026-11-01" } ], "deadline": null }, "other": [ { "id": "nz.register.ird-money-held-search", "type": "register", "name": "Inland Revenue: money held for owners search", "body": "Inland Revenue", "url": "https://www.ird.govt.nz/unclaimedmoney/claiming-unclaimed-money/search-the-database", "what": "You can search by the name of a person or organisation, on the website or in myIR, to see whether Inland Revenue holds money in that name." }, { "id": "nz.register.treasury-money-held", "type": "register", "name": "NZ Treasury: money held for owners", "body": "The Treasury", "url": "https://www.treasury.govt.nz/information-and-services/other-services/unclaimed-money", "what": "The Treasury holds trust money for six years before it moves to the Crown, and the page says to contact its Legal group about it." }, { "id": "nz.shares.public-trust-surplus-assets", "type": "shares", "name": "NZ Treasury: Public Trust and surplus assets from liquidated companies", "body": "Public Trust", "url": "https://www.treasury.govt.nz/information-and-services/other-services/unclaimed-money", "what": "Public Trust receives surplus assets from liquidated companies, and the page says to contact it to check." } ], "faqs": [ { "q": "How do I find a lost pension in New Zealand?", "a": "If you are a KiwiSaver member but do not know your provider, look in myIR under the KiwiSaver section. The provider's contact details are shown there too." }, { "q": "Can I check my New Zealand state pension from abroad?", "a": "Work and Income says you must be ordinarily resident in New Zealand, the Cook Islands, Niue or Tokelau when you apply for NZ Super. Check its eligibility page before you plan." }, { "q": "Can I search for other forgotten money in New Zealand?", "a": "Yes. Inland Revenue runs a name search of the money it holds, on its website or in myIR. The Treasury and Public Trust also hold some money." } ] }, { "iso2": "NO", "name": "Norway", "countryPage": "https://capital-fm.com/countries/norway", "readDate": "2026-11-01", "pageInSearch": true, "intro": "Most of what you built up in Norway sits with the national insurance scheme, which you can look at through Nav. Workplace pensions are held by separate funds and insurers, so they take a second step.", "pension": { "state": { "id": "no.pension.din-pensjon", "kind": "state", "institution": "Din pensjon (Nav)", "url": "https://www.nav.no/bosatt-utland-pensjon/en", "whatItHolds": "Your pension rights and pension calculation under the National Insurance Scheme.", "fromAbroad": "Nav has a calculator for people who cannot log in, and you can send a pension application by post if you cannot log in at nav.no.", "access": [ { "method": "sign-in", "note": "Log in to Din pensjon" }, { "method": "letter", "note": "Pension application by post if you cannot log in" } ] }, "workplace": { "id": "no.pension.nav-norsk-pensjon", "kind": "workplace", "summary": "Nav says your pension scheme sends a yearly overview, and that Norsk Pensjon gives a combined overview of your earned pension rights. If unsure, ask your employer's pension provider.", "url": "https://www.nav.no/tjenestepensjon", "institution": "Nav and Norsk Pensjon" }, "facts": [ { "text": "Nav says you should tell it when you move abroad. If you cannot do this digitally, you can call +47 55 55 33 34.", "source": "nav.no", "url": "https://www.nav.no/bosatt-utland-pensjon/en", "read": "2026-11-01" }, { "text": "Nav has a pension calculator for people who cannot log in. You enter the data yourself and get a simplified estimate. People with fewer than 5 years in Norway cannot use it.", "source": "nav.no", "url": "https://www.nav.no/bosatt-utland-pensjon/en", "read": "2026-11-01" }, { "text": "If you cannot log in at nav.no, you can send your pension application by post.", "source": "nav.no", "url": "https://www.nav.no/bosatt-utland-pensjon/en", "read": "2026-11-01" }, { "text": "With BankID, Buypass or Commfides you can log in to Nav's pension calculator.", "source": "nav.no", "url": "https://www.nav.no/bosatt-utland-pensjon/en", "read": "2026-11-01" }, { "text": "Nav's page on workplace pensions says Norsk Pensjon gives a combined overview of your earned pension rights.", "source": "nav.no", "url": "https://www.nav.no/tjenestepensjon", "read": "2026-11-01" }, { "text": "Norsk Pensjon says its aim is a combined overview of expected retirement pension, and that the portal is not commercial.", "source": "Norsk Pensjon", "url": "https://norskpensjon.no/om-oss/", "read": "2026-11-01" } ], "deadline": { "text": "If you live abroad and get a pension from Nav, you must return the life certificate signed and attested. Nav asks for ordinary letter post and says it cannot accept registered post, courier or email.", "source": "nav.no", "url": "https://www.nav.no/leveattest", "read": "2026-11-01" } }, "other": [], "faqs": [ { "q": "How do I find a lost pension in Norway?", "a": "Start with Nav for your national insurance rights. For a workplace pension, Norsk Pensjon gives a combined overview, and your employer's pension provider can help." }, { "q": "Can I check my Norwegian state pension from abroad?", "a": "In part. Nav has a calculator for people who cannot log in, and you can send an application by post. BankID, Buypass or Commfides give login to the calculator." }, { "q": "Do I have to tell Nav if I move abroad?", "a": "Nav says you should. If you get a Nav pension abroad, you must also return the life certificate, signed and attested, by ordinary letter post." } ] }, { "iso2": "PH", "name": "Philippines", "countryPage": "https://capital-fm.com/countries/philippines", "readDate": "2026-11-01", "pageInSearch": true, "intro": "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.", "pension": { "state": { "id": "ph.pension.sss", "kind": "state", "institution": "Social Security System (SSS)", "url": "https://www.sss.gov.ph/ofw-member/", "whatItHolds": "The SSS holds contribution records and benefit details for members, which you can view through the My.SSS portal.", "fromAbroad": "The SSS runs foreign offices, including Dubai, Riyadh and London, and an OFW contact section for members abroad." }, "workplace": { "summary": "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.", "url": null, "institution": null }, "facts": [ { "text": "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", "url": "https://www.sss.gov.ph/news-and-updates/sss-implements-contribution-hike/", "read": "2026-11-01" }, { "text": "The SSS publishes separate contribution schedules for employees, household employers, land-based overseas workers, self-employed and voluntary members.", "source": "Social Security System", "url": "https://www.sss.gov.ph/sss-contribution-table/", "read": "2026-11-01" }, { "text": "The SSS overseas worker guide says members can use My.SSS to generate a payment reference number. It also lists SSS foreign offices in Dubai, Riyadh and London.", "source": "Social Security System", "url": "https://www.sss.gov.ph/ofw-member/", "read": "2026-11-01" }, { "text": "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", "url": "https://www.sss.gov.ph/ofw-member/", "read": "2026-11-01" } ], "deadline": null }, "other": [ { "id": "ph.register.escheat-proceedings", "type": "register", "name": "Escheat Proceedings", "body": "Bureau of the Treasury", "url": "https://www.treasury.gov.ph/?page_id=71906", "what": "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." } ], "faqs": [ { "q": "How do I find a lost pension in the Philippines?", "a": "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." }, { "q": "Can I check my Philippine state pension from abroad?", "a": "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." }, { "q": "What happens to a bank account left dormant in the Philippines?", "a": "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." } ] }, { "iso2": "PT", "name": "Portugal", "countryPage": "https://capital-fm.com/countries/portugal", "readDate": "2026-11-01", "pageInSearch": true, "intro": "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.", "pension": { "state": { "id": "pt.pension.seguranca-social-direta", "kind": "state", "institution": "Segurança Social Direta (SSD)", "url": "https://www.plataformaservicos.seg-social.pt/psi/assets/docs/Seguranca_Social_Direta_Termos_Condicoes.pdf", "whatItHolds": "Your personal online social security account.", "fromAbroad": "Sign-in uses your NISS and a password, or a Citizen Card or Chave Móvel Digital.", "access": [ { "method": "sign-in", "note": "Segurança Social Direta account" } ] }, "workplace": { "id": "pt.pension.asf", "kind": "workplace", "summary": "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.", "url": "https://www.gov.pt/entidades/autoridade-de-supervisao-de-seguros-e-fundos-de-pensoes", "institution": "ASF (Autoridade de Supervisão de Seguros e Fundos de Pensões)" }, "facts": [ { "text": "You can sign in to Segurança Social Direta with your NISS and a password you set yourself.", "source": "seg-social.pt", "url": "https://www.plataformaservicos.seg-social.pt/psi/assets/docs/Seguranca_Social_Direta_Termos_Condicoes.pdf", "read": "2026-11-01" }, { "text": "You can also sign in with a Citizen Card or Chave Móvel Digital.", "source": "seg-social.pt", "url": "https://www.plataformaservicos.seg-social.pt/psi/assets/docs/Seguranca_Social_Direta_Termos_Condicoes.pdf", "read": "2026-11-01" }, { "text": "The ASF is the national authority that supervises insurance, reinsurance, pension funds and their management entities.", "source": "gov.pt", "url": "https://www.gov.pt/entidades/autoridade-de-supervisao-de-seguros-e-fundos-de-pensoes", "read": "2026-11-01" } ], "deadline": null }, "other": [ { "id": "pt.bank.dormant-bank-deposits", "type": "bank", "name": "Banco de Portugal: dormant bank deposits", "url": "https://clientebancario.bportugal.pt/en/node/3343", "what": "The page says deposits become dormant and revert to the State if the holders take no action on them for 15 years.", "read": "2026-11-01" } ], "faqs": [ { "q": "How do I find a lost pension in Portugal?", "a": "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." }, { "q": "Can I use Segurança Social Direta from abroad?", "a": "You can sign in with your NISS and a password you set, or with a Citizen Card or Chave Móvel Digital." }, { "q": "What happens to forgotten bank deposits in Portugal?", "a": "The Banco de Portugal says deposits become dormant and revert to the State if the holders take no action on them for 15 years." } ] }, { "iso2": "RO", "name": "Romania", "countryPage": "https://capital-fm.com/countries/romania", "readDate": "2026-11-01", "pageInSearch": true, "intro": "Romania has a state pension and a private second-pillar layer run by authorised funds. The financial regulator ASF supervises the private funds.", "pension": { "state": null, "workplace": { "id": "ro.pension.asf", "kind": "workplace", "summary": "Private second-pillar funds are supervised by ASF. Its guide says you can check an administrator's authorisation in the electronic registers on the ASF site, and your adhesion act names your administrator.", "url": "https://asfromania.ro/uploads/articole/attachments/6656dcebcf218128695708.pdf", "institution": "ASF (Autoritatea de Supraveghere Financiară)" }, "facts": [ { "text": "4.75 per cent of the 25 per cent social contribution goes to the second-pillar fund, and CNPP transfers it to the fund the employee selected.", "source": "ASF", "url": "https://asfromania.ro/uploads/articole/attachments/6656dcebcf218128695708.pdf", "read": "2026-11-01" }, { "text": "If you did not choose a second-pillar fund and are under 35, CNPP assigns one at random.", "source": "ASF", "url": "https://asfromania.ro/uploads/articole/attachments/6656dcebcf218128695708.pdf", "read": "2026-11-01" }, { "text": "You can check an administrator's authorisation in the electronic registers section of the ASF website. Your adhesion act shows the administrator and an ASF series and number.", "source": "ASF", "url": "https://asfromania.ro/uploads/articole/attachments/6656dcebcf218128695708.pdf", "read": "2026-11-01" } ], "deadline": null }, "other": [], "faqs": [ { "q": "How do I find a lost pension in Romania?", "a": "If you may have a second-pillar private fund, look for your adhesion act, which names the administrator. ASF's electronic registers let you check an administrator is authorised." }, { "q": "Could I have a private pension in Romania as well?", "a": "Possibly. If you were under 35, did not choose a fund and paid into the second pillar, CNPP assigned one at random." }, { "q": "Who can answer questions about private pension funds in Romania?", "a": "ASF supervises them. Its guide gives office@asfromania.ro for further questions." } ] }, { "iso2": "SG", "name": "Singapore", "countryPage": "https://capital-fm.com/countries/singapore", "readDate": "2026-11-01", "pageInSearch": true, "intro": "Retirement savings in Singapore sit with the Central Provident Fund Board. If you worked there and left, start with your CPF account. Foreign workers have been outside CPF since 2003, and accounts of non-citizens were closed in 2024.", "pension": { "state": { "id": "sg.pension.central-provident-fund-board", "kind": "state", "institution": "Central Provident Fund Board", "url": "https://www.cpf.gov.sg/service/article/i-am-not-a-singapore-citizen-or-permanent-resident-how-do-i-close-my-cpf-account-and-transfer-my-cpf-savings-to-my-bank-account", "whatItHolds": "CPF savings held in Singapore. Non-citizens and non-PRs close their account to move savings to a bank account.", "fromAbroad": "From overseas, if no other method applies, you post the closure form and documents by registered mail. They must be certified at a Singapore Overseas Mission, or apostilled where that applies." }, "workplace": null, "facts": [ { "text": "From 1 January 2003, CPF contributions are exempted for foreign employees, so contributions are only payable for Singapore Citizens and SPRs.", "source": "cpf.gov.sg", "url": "https://www.cpf.gov.sg/service/article/if-my-foreign-employees-request-to-contribute-to-cpf-can-i-make-cpf-contributions-for-them", "read": "2026-11-01" }, { "text": "If you were not a Singapore Citizen or PR before 1 April 2024, your CPF account was closed automatically in April 2024. Remaining savings stop earning the prevailing CPF interest, with a concession rate until 31 March 2027 and no interest after that.", "source": "cpf.gov.sg", "url": "https://www.cpf.gov.sg/service/article/when-will-my-cpf-account-be-closed-if-i-am-not-a-singapore-citizen-or-permanent-resident", "read": "2026-11-01" }, { "text": "Overseas, a non-citizen with no other method posts the closure form and original documents by registered mail, certified by an official at a Singapore Overseas Mission or apostilled.", "source": "cpf.gov.sg", "url": "https://www.cpf.gov.sg/service/article/i-am-not-a-singapore-citizen-or-permanent-resident-how-do-i-close-my-cpf-account-and-transfer-my-cpf-savings-to-my-bank-account", "read": "2026-11-01" } ], "deadline": null }, "other": [ { "id": "sg.register.public-trustee-money-held", "type": "register", "name": "Public Trustee's Office: money held for owners", "body": "Public Trustee's Office, Ministry of Law", "url": "https://pto.mlaw.gov.sg/deceased-cpf-estate-monies/unclaimed-monies/", "what": "Lists you can search by your name or a deceased next of kin's name, covering deceased estates, bona vacantia estates and motor accident compensation settlements." }, { "id": "sg.register.supreme-court-money-held", "type": "register", "name": "Supreme Court of Singapore: money held from court cases", "body": "Singapore Judiciary", "url": "https://www.judiciary.gov.sg/services/unclaimed-funds", "what": "Funds from Supreme Court cases that no one has collected go to the government after 6 years, and the page points to a separate government site for other deposit accounts." } ], "faqs": [ { "q": "How do I find a lost pension in Singapore?", "a": "Start with the Central Provident Fund Board. Its contact page is the official route. Foreign employees have been exempt from CPF contributions since 1 January 2003, so older years are the ones to check." }, { "q": "What happened to CPF accounts of non-citizens?", "a": "If you were not a Singapore Citizen or PR before 1 April 2024, your account was closed automatically in April 2024. Remaining savings stop earning CPF interest, with a concession rate until 31 March 2027." }, { "q": "Can I deal with my Singapore CPF from abroad?", "a": "Yes, by post. If no other method applies, you send the closure form and original documents by registered mail. They must be certified at a Singapore Overseas Mission or apostilled." } ] }, { "iso2": "SI", "name": "Slovenia", "countryPage": "https://capital-fm.com/countries/slovenia", "readDate": "2026-11-01", "pageInSearch": true, "intro": "In Slovenia, the state pension record is held by ZPIZ and can be viewed online through Moj eZPIZ.", "pension": { "state": { "id": "si.pension.moj-ezpiz", "kind": "state", "institution": "ZPIZ, Moj eZPIZ", "url": "https://www.zpiz.si/cms/content2019/vstop-ezpiz#x1", "whatItHolds": "Moj eZPIZ gives sight of your insurance periods, pay and benefits.", "fromAbroad": "Citizens of other EU states and foreigners with suitable identification means can sign in through SI-PASS; the pages do not address access from outside the EU." }, "workplace": null, "facts": [ { "text": "You enter Moj eZPIZ with a qualified digital certificate or an EU/SI-PASS login, and registration is needed before first use.", "source": "ZPIZ", "url": "https://www.zpiz.si/cms/content2019/vstop-ezpiz#x1", "read": "2026-11-01" }, { "text": "The personal insurance record in Moj eZPIZ lets you view your insurance periods, pay and benefits.", "source": "ZPIZ", "url": "https://www.zpiz.si/cms/content2019/vstop-ezpiz#x1", "read": "2026-11-01" }, { "text": "Citizens of other EU Member States and foreigners who have the appropriate identification means can also sign in through SI-PASS.", "source": "SI-TRUST", "url": "https://www.si-trust.gov.si/en/si-pass", "read": "2026-11-01" } ], "deadline": null }, "other": [], "faqs": [ { "q": "How do I find a lost pension in Slovenia?", "a": "Sign in to Moj eZPIZ and open your personal insurance record to see your insurance periods, pay and benefits." }, { "q": "Can I check my Slovenian state pension from abroad?", "a": "Moj eZPIZ accepts a qualified digital certificate or an EU/SI-PASS login. SI-TRUST says citizens of other EU states and foreigners with suitable identification means can use SI-PASS." }, { "q": "Do I need to register before using Moj eZPIZ?", "a": "Yes. ZPIZ says registration is needed before first use." } ] }, { "iso2": "ZA", "name": "South Africa", "countryPage": "https://capital-fm.com/countries/south-africa", "readDate": "2026-11-01", "pageInSearch": true, "intro": "South Africa has a public search for retirement benefits that have not been paid out. It is run by the financial regulator, and the form has an option for foreign citizens.", "pension": { "state": { "id": "za.pension.fsca-benefits-search-engine", "kind": "state", "institution": "FSCA benefits search engine", "url": "https://www.fsca.co.za/Unclaimed-Benefits-Search", "whatItHolds": "A public search of retirement funds for benefits that have not been paid out.", "fromAbroad": "Conditional: the form asks whether the person is South African or foreign and offers email as the contact method. The supporting documents list names a South African ID or passport." }, "workplace": { "id": "za.pension.fsca", "kind": "workplace", "summary": "A possible match gives the contact details of the fund or its administrator. You then follow that fund's normal process.", "url": "https://www.fsca.co.za/Unclaimed-Benefits/", "institution": "Financial Sector Conduct Authority (FSCA)" }, "facts": [ { "text": "The FSCA search form asks whether the person is South African or foreign, and lets you choose SMS or email as your preferred contact method.", "source": "Financial Sector Conduct Authority", "url": "https://www.fsca.co.za/Unclaimed-Benefits-Search", "read": "2026-11-01" }, { "text": "After you submit the form, you should receive an email with the details of a Business Centre Analyst within 1 working day.", "source": "Financial Sector Conduct Authority", "url": "https://www.fsca.co.za/Unclaimed-Benefits-Search", "read": "2026-11-01" }, { "text": "If the search finds a possible match, it returns the contact details of the fund or administrator. The FSCA can only provide those details, and you then follow the fund's normal process to prove your entitlement.", "source": "Financial Sector Conduct Authority", "url": "https://www.fsca.co.za/Unclaimed-Benefits/", "read": "2026-11-01" } ], "deadline": null }, "other": [], "faqs": [ { "q": "How do I find a lost pension in South Africa?", "a": "Use the FSCA benefits search. If it finds a possible match, it gives you the contact details of the fund or administrator." }, { "q": "Can I check my South African pension from abroad?", "a": "Possibly. The FSCA form asks whether the person is South African or foreign and offers email as a contact method. The supporting documents list names a South African ID or passport." }, { "q": "What happens after I submit the FSCA form?", "a": "You should receive an email with the details of a Business Centre Analyst within 1 working day. The FSCA can only give you the fund's contact details, and you then follow the fund's normal process." } ] }, { "iso2": "KR", "name": "South Korea", "countryPage": "https://capital-fm.com/countries/south-korea", "readDate": "2026-11-01", "pageInSearch": true, "intro": "If you worked in South Korea, your pension record sits with the National Pension Service. Foreign workers may be able to get a lump sum back when they leave, but only in set cases.", "pension": { "state": { "id": "kr.pension.national-pension-service", "kind": "state", "institution": "National Pension Service (NPS)", "url": "https://www.nps.or.kr/eng/ntnlpnsplan/frgnrlpsmrfnd/getOHAI0015M0.do", "whatItHolds": "Your National Pension contributions and entitlement, including any lump sum refund due when you leave.", "fromAbroad": "The NPS says you can apply for the lump sum refund from abroad by post, or through an agent who visits a local office.", "access": [ { "method": "letter", "note": "Lump sum refund application by post" } ] }, "workplace": { "summary": "South Korea has no public register that links employers to their pension funds. Ask your former employer whether it also ran a retirement plan alongside the National Pension.", "url": null, "institution": null }, "facts": [ { "text": "An entitled foreigner must apply for the National Pension lump sum refund within five years of becoming entitled, normally the date of departure.", "source": "nps.or.kr", "url": "https://www.nps.or.kr/eng/ntnlpnsplan/frgnrlpsmrfnd/getOHAI0015M0.do", "read": "2026-11-01" }, { "text": "After the five years for the lump sum refund have run out, you may still re-apply within 10 years after reaching age 60, and survivors within five years after the person's death.", "source": "nps.or.kr", "url": "https://www.nps.or.kr/eng/ntnlpnsplan/frgnrlpsmrfnd/getOHAI0015M0.do", "read": "2026-11-01" }, { "text": "A foreign insured person qualifies for the lump sum refund if their country grants Korean nationals a matching benefit, a social security agreement on lump sum refunds exists, or the insured period was on an E-8, E-9 or H-2 visa.", "source": "nps.or.kr", "url": "https://www.nps.or.kr/eng/ntnlpnsplan/frgnrlpsmrfnd/getOHAI0015M0.do", "read": "2026-11-01" }, { "text": "From abroad, the lump sum refund can be applied for by post, or by an agent who visits a local NPS office.", "source": "nps.or.kr", "url": "https://www.nps.or.kr/eng/ntnlpnsplan/frgnrlpsmrfnd/getOHAI0015M0.do", "read": "2026-11-01" }, { "text": "Official documents issued overseas must be attested by a local Korean consulate, or carry an apostille for Apostille Convention countries, and foreign-language documents need notarised Korean translations.", "source": "nps.or.kr", "url": "https://www.nps.or.kr/eng/ntnlpnsplan/frgnrlpsmrfnd/getOHAI0015M0.do", "read": "2026-11-01" } ], "deadline": { "text": "An entitled foreigner must apply for the National Pension lump sum refund within five years of becoming entitled, normally the date of departure.", "source": "nps.or.kr", "url": "https://www.nps.or.kr/eng/ntnlpnsplan/frgnrlpsmrfnd/getOHAI0015M0.do", "read": "2026-11-01" } }, "other": [ { "id": "kr.bank.dormant-deposits", "type": "bank", "name": "Dormant deposits (Financial Services Commission)", "what": "The page says dormant deposits held by the Korea Inclusive Finance Agency can be checked through its 'Find Dormant Deposits' service and through Account Info, with identity verification.", "url": "https://www.fsc.go.kr/po010105/74600", "read": "2026-11-01" }, { "id": "kr.insurance.dormant-insurance-money", "type": "insurance", "name": "Dormant insurance money (Financial Services Commission)", "what": "The page says dormant insurance money transferred to the Korea Inclusive Finance Agency can be traced with other dormant financial assets on its app or website.", "url": "https://fsc.go.kr/eng/pr010101/80287", "read": "2026-11-01" } ], "faqs": [ { "q": "How do I find a lost pension in South Korea?", "a": "Start with the National Pension Service, which holds your contribution record. Ask your former employer if it also ran a retirement plan." }, { "q": "Can I get my Korean pension money from abroad?", "a": "The NPS says you can apply for the lump sum refund from abroad by post or through an agent. It depends on your country, any agreement in place, or your visa type, and overseas documents must be attested." }, { "q": "Is there a deadline to apply for my Korean pension refund?", "a": "An entitled foreigner must apply for the lump sum refund within five years of becoming entitled, normally the date of departure. After that you may still re-apply within 10 years after reaching age 60." } ] }, { "iso2": "ES", "name": "Spain", "countryPage": "https://capital-fm.com/countries/spain", "readDate": "2026-11-01", "pageInSearch": true, "intro": "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.", "pension": { "state": { "id": "es.pension.import-ss", "kind": "state", "institution": "Seguridad Social (Import@ss)", "url": "https://portal.seg-social.gob.es/wps/portal/importass/importass/Categorias/Vida+laboral+e+informes/Informes+sobre+tu+situacion+laboral/Informe+de+tu+vida+laboral", "whatItHolds": "Your informe de vida laboral, a PDF of your registration periods and the schemes you were registered under.", "fromAbroad": "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": { "id": "es.pension.dgsfp", "kind": "workplace", "summary": "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.", "url": "https://dgsfp.mineco.gob.es/es/DireccionGeneral/Paginas/Estructura.aspx", "institution": "Dirección General de Seguros y Fondos de Pensiones (DGSFP)" }, "facts": [ { "text": "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)", "url": "https://revista.seg-social.es/-/c%C3%B3mo-obtener-el-informe-de-vida-laboral", "read": "2026-11-01" }, { "text": "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)", "url": "https://revista.seg-social.es/-/c%C3%B3mo-obtener-el-informe-de-vida-laboral", "read": "2026-11-01" }, { "text": "If you have no sign-in method, the report can be posted to the home address held by the TGSS.", "source": "Seguridad Social (Revista)", "url": "https://revista.seg-social.es/-/c%C3%B3mo-obtener-el-informe-de-vida-laboral", "read": "2026-11-01" }, { "text": "The report does not include periods abroad, military service or the substitute social service.", "source": "Seguridad Social (Import@ss)", "url": "https://portal.seg-social.gob.es/wps/portal/importass/importass/Categorias/Vida+laboral+e+informes/Informes+sobre+tu+situacion+laboral/Informe+de+tu+vida+laboral", "read": "2026-11-01" } ], "deadline": null }, "other": [ { "id": "es.bank.banco-de-espana-abandoned-bank-accounts", "type": "bank", "name": "Banco de España: abandoned bank accounts", "url": "https://clientebancario.bde.es/pcb/es/blog/cuentas-bancarias-abandonadas.html", "what": "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.", "read": "2026-11-01" }, { "id": "es.insurance.death-cover-insurance-certificate", "type": "insurance", "name": "Ministerio de Justicia: certificate of insurance contracts with death cover", "url": "https://www.mjusticia.gob.es/en/ciudadania/tramites/certificado-contratos-seguros", "what": "The page says the Registry holds this data for 5 years from the date of death, and that some contracts are not covered.", "read": "2026-11-01" } ], "faqs": [ { "q": "How do I find a lost pension in Spain?", "a": "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." }, { "q": "Can I check my Spanish work record from abroad?", "a": "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." }, { "q": "What if I left an old Spanish bank account behind?", "a": "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." } ] }, { "iso2": "SE", "name": "Sweden", "countryPage": "https://capital-fm.com/countries/sweden", "readDate": "2026-11-01", "pageInSearch": true, "intro": "Sweden has one national service, minPension, that gathers state, workplace and private pensions in one place. Use it first, then the Swedish Pensions Agency for the state part.", "pension": { "state": { "id": "se.pension.pensionsmyndigheten", "kind": "state", "institution": "Pensionsmyndigheten (Swedish Pensions Agency)", "url": "https://www.pensionsmyndigheten.se/other-languages/english-engelska/english-engelska/pension-when-you-move-from-or-live-outside-sweden", "whatItHolds": "It grants the general pension (allmän pension) and holds your state pension record.", "fromAbroad": "Mina sidor offers login with BankID, Freja eID+ or a foreign eID. People living outside Sweden can call +46 498-200 700.", "access": [ { "method": "sign-in", "note": "Mina sidor with BankID, Freja eID+ or a foreign eID" }, { "method": "phone", "note": "Phone line for people outside Sweden" } ] }, "workplace": { "id": "se.pension.minpension", "kind": "workplace", "summary": "minPension collects your state, occupational and private pensions automatically in one overview.", "url": "https://www.minpension.se/om-minpension", "institution": "minPension" }, "facts": [ { "text": "minPension describes itself as simple, independent and free of charge.", "source": "minPension", "url": "https://www.minpension.se/om-minpension", "read": "2026-11-01" }, { "text": "minPension is run as an independent cooperation between the state and the pension companies.", "source": "minPension", "url": "https://www.minpension.se/om-minpension", "read": "2026-11-01" }, { "text": "Once logged in to minPension, you can see your public, occupational and any private pension together.", "source": "minPension", "url": "https://www.minpension.se/om-minpension", "read": "2026-11-01" }, { "text": "Pensionsmyndigheten's Mina sidor lists three ways to log in: BankID, Freja eID+ and foreign eID.", "source": "Pensionsmyndigheten", "url": "https://www.pensionsmyndigheten.se/min-oversikt", "read": "2026-11-01" }, { "text": "Pensionsmyndigheten lists +46 498-200 700 for questions from people living abroad.", "source": "Pensionsmyndigheten", "url": "https://www.pensionsmyndigheten.se/other-languages/english-engelska/english-engelska/pension-when-you-move-from-or-live-outside-sweden", "read": "2026-11-01" } ], "deadline": null }, "other": [], "faqs": [ { "q": "How do I find a lost pension in Sweden?", "a": "Use minPension, which gathers your public, workplace and private pensions in one overview. The Swedish Pensions Agency holds the state part." }, { "q": "Can I check my Swedish state pension from abroad?", "a": "With conditions. Mina sidor offers login with BankID, Freja eID+ or a foreign eID. People living outside Sweden can also phone the agency on +46 498-200 700." }, { "q": "Who runs minPension?", "a": "It is an independent cooperation between the state and the pension companies. The service describes itself as free of charge." } ] }, { "iso2": "CH", "name": "Switzerland", "countryPage": "https://capital-fm.com/countries/switzerland", "readDate": "2026-11-01", "pageInSearch": true, "intro": "Switzerland has a free central office for forgotten workplace pension money and a route for dormant bank assets. The state pension statement can be requested from anywhere.", "pension": { "state": { "id": "ch.pension.zas-ecdc", "kind": "state", "institution": "Central Compensation Office (ZAS), eCdC online portal", "url": "https://www.zas.admin.ch/en/ecdc-online-portal", "whatItHolds": "Your AHV/AVS state pension individual account statement.", "fromAbroad": "The Central Compensation Office states that an account statement can be requested from anywhere in the world without registration." }, "workplace": { "id": "ch.pension.second-pillar-central-office", "kind": "workplace", "summary": "The 2nd Pillar Central Office compares your enquiry form with reports from the pension schemes and tells you the result. The Auffangeinrichtung describes the enquiry as simple and free.", "url": "https://sfbvg.ch/en/tasks/enquiry-about-occupational-benefit-credit-balances", "institution": "2nd Pillar Central Office (Zentralstelle 2. Säule)", "access": [ { "method": "form", "note": "Enquiry form to the 2nd Pillar Central Office" } ] }, "facts": [ { "text": "Full old-age pensions run from CHF 1,260 to CHF 2,520 a month for a full contribution period, depending on average annual income.", "source": "ahv-iv.ch, Leistungen der AHV (3.01)", "url": "https://www.ahv-iv.ch/p/3.01.d", "read": "2026-11-01" }, { "text": "The Auffangeinrichtung states that it administers forgotten pension credit balances, which it calls contactless accounts.", "source": "Auffangeinrichtung BVG, aeis.ch", "url": "https://aeis.ch/einzelperson/kontaktlose-konten", "read": "2026-11-01" }, { "text": "The Auffangeinrichtung says you can check whether such an account is yours with a simple, free query at the 2nd Pillar Central Office.", "source": "Auffangeinrichtung BVG, aeis.ch", "url": "https://aeis.ch/einzelperson/kontaktlose-konten", "read": "2026-11-01" } ], "deadline": null }, "other": [ { "id": "ch.bank.dormant-assets-search", "type": "bank", "name": "Dormant assets search (Swiss Banking Ombudsman and dormantaccounts.ch)", "body": "Swiss Banking Ombudsman and the Swiss banks", "url": "https://www.swissbanking.ch/en/financial-centre/information-for-clients/dormant-assets", "what": "Banks report assets over CHF 500 to a central database that only the Banking Ombudsman can search, and dormantaccounts.ch publishes assets 60 years after last contact; proof of entitlement is needed." } ], "faqs": [ { "q": "How do I find a lost pension in Switzerland?", "a": "Send an enquiry to the 2nd Pillar Central Office. It compares your form with reports from the pension schemes and tells you the result." }, { "q": "Can I check my Switzerland state pension from abroad?", "a": "Yes. The Central Compensation Office states that you can request your AHV individual account statement from anywhere in the world without registering." }, { "q": "What are contactless pension accounts in Switzerland?", "a": "They are forgotten pension credit balances that the Auffangeinrichtung administers. It says a simple, free query at the 2nd Pillar Central Office shows whether one is yours." } ] }, { "iso2": "TR", "name": "Turkey", "countryPage": "https://capital-fm.com/countries/turkey", "readDate": "2026-11-01", "pageInSearch": true, "intro": "Turkey's state pension record is held by the social security institution (SGK). Private pension companies are listed by the Pension Monitoring Centre (EGM).", "pension": { "state": null, "workplace": { "id": "tr.pension.egm", "kind": "workplace", "summary": "The Pension Monitoring Centre (EGM) lists the pension companies you can join the individual pension system with, and links to each company's site.", "url": "https://egm.org.tr/voluntary-participation-ips/access-to-pension-companies/", "institution": "Emeklilik Gözetim Merkezi (EGM)" }, "facts": [ { "text": "The EGM lists the pension companies for the individual pension system and links to each company's website.", "source": "EGM", "url": "https://egm.org.tr/voluntary-participation-ips/access-to-pension-companies/", "read": "2026-11-01" }, { "text": "Pensioners who are or have been abroad for more than six months must file a Yoklama Belgesi (attestation form) with the unit that pays their pension.", "source": "Ministry of Labour and Social Security", "url": "https://csgb.gov.tr/Media/fwajtnzp/aylikalanlaramahsusyoklamabelgesi.pdf", "read": "2026-11-01" }, { "text": "If official records show more than six months abroad and the form was not filed in time, the pension is withheld until the form is delivered.", "source": "Ministry of Labour and Social Security", "url": "https://csgb.gov.tr/Media/fwajtnzp/aylikalanlaramahsusyoklamabelgesi.pdf", "read": "2026-11-01" } ], "deadline": { "text": "The Yoklama Belgesi must be filed within three months after the six-month period abroad ends.", "source": "Ministry of Labour and Social Security", "url": "https://csgb.gov.tr/Media/fwajtnzp/aylikalanlaramahsusyoklamabelgesi.pdf", "read": "2026-11-01" } }, "other": [], "faqs": [ { "q": "How do I find a lost pension in Turkey?", "a": "SGK holds the state pension record. For private pensions, the EGM lists the pension companies and links to each one's site." }, { "q": "What must a Turkish pensioner living abroad do?", "a": "A pensioner abroad for more than six months must file a Yoklama Belgesi with the unit that pays the pension." }, { "q": "What happens if the Yoklama Belgesi is not filed?", "a": "The form is due within three months after the six-month period ends. If it is not filed in time, the pension is withheld until it is delivered." } ] }, { "iso2": "AE", "name": "United Arab Emirates", "countryPage": "https://capital-fm.com/countries/united-arab-emirates", "readDate": "2026-11-01", "pageInSearch": true, "intro": "In the UAE the state scheme mainly covers UAE and GCC nationals, so many expats leave money with an employer instead. Tracing it usually starts with the old employer.", "pension": { "state": { "id": "ae.pension.gpssa-maashi", "kind": "state", "institution": "GPSSA Maashi platform", "url": "https://www.gpssa.gov.ae/pages/en/media-center/news/gpssas-updated-digital-pension-platform-maashi-now-live", "whatItHolds": "Maashi lets insured Emiratis, pensioners and beneficiaries request services such as end of service, and see information such as past employers and years left to retirement.", "fromAbroad": "The official page does not say whether you can use it from abroad." }, "workplace": { "summary": "End of service pay is owed by the former employer. Ask the employer first, and keep any contract or payslips that show your service.", "url": null, "institution": null }, "facts": [ { "text": "The GPSSA Maashi platform lets insured members send end of service requests themselves, and shows details such as past employers and years left until retirement eligibility.", "source": "General Pension and Social Security Authority (GPSSA)", "url": "https://www.gpssa.gov.ae/pages/en/media-center/news/gpssas-updated-digital-pension-platform-maashi-now-live", "read": "2026-11-01" }, { "text": "GCC nationals working in the UAE are insured with GPSSA, but they are subject to the pension and end of service rules of their home country.", "source": "General Pension and Social Security Authority (GPSSA)", "url": "https://www.gpssa.gov.ae/pages/en/services/gcc-overview", "read": "2026-11-01" }, { "text": "UAE employers must pay end of service gratuity to their GCC employees for service before the insurance extension applied.", "source": "General Pension and Social Security Authority (GPSSA)", "url": "https://www.gpssa.gov.ae/pages/en/services/gcc-overview", "read": "2026-11-01" } ], "deadline": { "text": "Before going to court over a GPSSA pension or end of service decision, a person must first appeal to the Insurance Appeals Committee within five years of becoming entitled to the payment.", "source": "General Pension and Social Security Authority (GPSSA)", "url": "https://www.gpssa.gov.ae/pages/en/services/gcc-overview", "read": "2026-11-01" } }, "other": [ { "id": "ae.bank.dormant-accounts-rules-bank", "type": "bank", "name": "Dormant accounts rules: bank accounts", "body": "Central Bank of the UAE", "url": "https://rulebook.centralbank.ae/en/rulebook/dormant-accounts-and-unclaimed-funds-regulation", "what": "Bank accounts become dormant after three years without a transaction or contact, balances move to the Central Bank after five years, and you or your heirs can still ask the bank for them." }, { "id": "ae.insurance.dormant-accounts-rules-insurance", "type": "insurance", "name": "Dormant accounts rules: insurance", "body": "Central Bank of the UAE", "url": "https://rulebook.centralbank.ae/en/rulebook/dormant-accounts-and-unclaimed-funds-regulation", "what": "Insurance amounts payable to you or your heirs count as dormant after three years and move to the Central Bank after five, and insurers should settle requests within one month." } ], "faqs": [ { "q": "How do I find a lost pension in the United Arab Emirates?", "a": "Check the GPSSA Maashi platform if you were an insured Emirati, or a GCC national working in the UAE. Otherwise, contact the former employer, as end of service pay is owed by them." }, { "q": "Can I check my UAE state pension from abroad?", "a": "The official GPSSA page does not say whether the Maashi platform works from abroad. Contact GPSSA through its official site to ask." }, { "q": "Is there a register for forgotten bank or insurance money in the UAE?", "a": "The Central Bank regulation does not set up a public search. Dormant bank balances and insurance amounts can be asked for through the bank or insurer, and your heirs can do the same." } ] }, { "iso2": "GB", "name": "United Kingdom", "countryPage": "https://capital-fm.com/countries/united-kingdom", "readDate": "2026-11-01", "pageInSearch": true, "intro": "Most lost money in the UK can be traced through government and industry services. Start with your State Pension record, then check old workplace schemes and forgotten bank accounts.", "pension": { "state": { "id": "gb.pension.international-pension-centre", "kind": "state", "institution": "International Pension Centre (Department for Work and Pensions)", "url": "https://www.gov.uk/international-pension-centre", "whatItHolds": "Advice and information about pensions and benefits for people who live abroad or have lived abroad.", "fromAbroad": "It takes enquiries through an online form and has international phone lines for State Pension questions.", "access": [ { "method": "form", "note": "Online enquiry form" }, { "method": "phone", "note": "International phone lines" } ] }, "workplace": { "id": "gb.pension.tracing-service", "kind": "workplace", "summary": "The Pension Tracing Service gives contact details to help you search for a lost pension. It will not tell you whether you have a pension or what it is worth.", "url": "https://www.gov.uk/find-pension-contact-details", "institution": "Pension Tracing Service (Department for Work and Pensions)" }, "facts": [ { "text": "You usually need 10 qualifying years on your UK National Insurance record. Contributions in the EEA, Switzerland or a country with a UK social security agreement can count towards that, but the amount paid is based only on your UK years.", "source": "gov.uk, The new State Pension: living and working overseas", "url": "https://gov.uk/new-state-pension/living-and-working-overseas", "read": "2026-11-01" }, { "text": "The Pension Tracing Service will not tell you whether you have a pension or what it is worth. From outside the UK you can phone +44 (0)191 218 7777.", "source": "gov.uk, Find pension contact details", "url": "https://www.gov.uk/find-pension-contact-details", "read": "2026-11-01" }, { "text": "The International Pension Centre handles State Pension enquiries from people abroad by online form, by phone on +44 (0)191 218 7777 (Monday to Friday, 8am to 6pm) or by post.", "source": "gov.uk, International Pension Centre", "url": "https://www.gov.uk/international-pension-centre", "read": "2026-11-01" } ], "deadline": null }, "other": [ { "id": "gb.bank.my-lost-account", "type": "bank", "name": "My Lost Account", "body": "UK Finance, the Building Societies Association and NS&I", "url": "https://www.mylostaccount.org.uk/about-service", "what": "A free service that sends your details to the UK bank, building society or NS&I provider you choose, which searches its lost accounts, including closed or merged ones; it does not cover overseas, business or charity accounts." }, { "id": "gb.register.bona-vacantia-estates-list", "type": "register", "name": "Bona Vacantia estates list", "body": "Bona Vacantia, Government Legal Department", "url": "https://www.gov.uk/government/statistical-data-sets/unclaimed-estates-list", "what": "A government list of estates held by the Treasury Solicitor, published by Bona Vacantia." }, { "id": "gb.savings.premium-bonds-tracing", "type": "savings", "name": "NS&I: tracing form for lost Premium Bonds", "body": "NS&I", "url": "https://www.nsandi.com/help/finding-lost-premium-bonds", "what": "NS&I has an online tracing form for people who do not know their holder's number, are unsure they hold Premium Bonds, or have found bonds that may not be theirs.", "read": "2026-11-02", "access": [ { "method": "form", "note": "Online tracing form" }, { "method": "letter", "note": "Printable paper form or a letter" } ] }, { "id": "gb.savings.child-trust-fund", "type": "savings", "name": "GOV.UK and HMRC: Find a Child Trust Fund", "body": "HM Revenue and Customs (HMRC), via GOV.UK", "url": "https://www.gov.uk/child-trust-funds/find-a-child-trust-fund", "what": "If you know the provider, contact it directly. If you do not, HMRC can tell you where the account was originally opened.", "read": "2026-11-02", "access": [ { "method": "form", "note": "Online form on GOV.UK, completed in one go" } ] } ], "faqs": [ { "q": "How do I find a lost pension in the United Kingdom?", "a": "Use the Pension Tracing Service on gov.uk to get contact details for a scheme or provider. It will not tell you whether you have a pension, so you then ask the scheme." }, { "q": "Can I check my UK State Pension from abroad?", "a": "Yes. The International Pension Centre handles pension questions for people who live or have lived abroad, by online form, phone or post. From outside the UK the State Pension line is +44 (0)191 218 7777." }, { "q": "How do I find a forgotten UK bank or building society account?", "a": "Apply through My Lost Account, a free service run with UK Finance, the Building Societies Association and NS&I. It covers personal accounts, including closed or merged providers, but not overseas accounts." } ] }, { "iso2": "US", "name": "United States", "countryPage": "https://capital-fm.com/countries/united-states", "readDate": "2026-11-01", "pageInSearch": true, "intro": "The United States has no single pension register. Social Security records and workplace plans are traced through different free government services.", "pension": { "state": { "id": "us.pension.my-social-security", "kind": "state", "institution": "my Social Security (SSA)", "url": "https://www.ssa.gov/faqs/en/questions/KA-03193.html", "whatItHolds": "It is the Social Security Administration's online account for your own Social Security record.", "fromAbroad": "SSA says that if you live outside the US you can use your ID.me login to reach your account.", "access": [ { "method": "sign-in", "note": "my Social Security account" } ] }, "workplace": { "id": "us.pension.department-of-labor", "kind": "workplace", "summary": "The Department of Labor's Retirement Savings Lost and Found searches for retirement plans linked to your Social Security number, and its Abandoned Plan Search covers terminated employer plans.", "url": "https://lostandfound.dol.gov", "institution": "US Department of Labor" }, "facts": [ { "text": "For 2026, the Social Security Administration lists 1,890 dollars of covered earnings for one credit and 7,560 dollars for four.", "source": "ssa.gov, POMS RS 00301.250", "url": "https://secure.ssa.gov/poms.nsf/lnx/0300301250", "read": "2026-11-01" }, { "text": "SSA says people living outside the US can reach their my Social Security account with an ID.me login.", "source": "ssa.gov", "url": "https://www.ssa.gov/faqs/en/questions/KA-03193.html", "read": "2026-11-01" }, { "text": "Retirement Savings Lost and Found needs a Login.gov account verified with your Social Security number, a photo of an active driver's license and a phone number linked to you in public records. It does not cover IRAs, government plans or Social Security.", "source": "lostandfound.dol.gov", "url": "https://lostandfound.dol.gov/", "read": "2026-11-01" }, { "text": "The Department of Labor's Abandoned Plan Search lets participants search by plan name or employer name to see whether a plan has been or is being terminated.", "source": "US Department of Labor", "url": "https://www.dol.gov/agencies/ebsa/employers-and-advisers/plan-administration-and-compliance/abandoned-plan-program", "read": "2026-11-01" } ], "deadline": null }, "other": [ { "id": "us.register.naupa-state-search", "type": "register", "name": "US state dormant property search (NAUPA)", "url": "https://unclaimed.org/search/", "what": "NAUPA says searching is free through your state's official property-search website, and suggests checking each state you have lived or done business in.", "read": "2026-11-01" }, { "id": "us.insurance.naic-policy-locator", "type": "insurance", "name": "NAIC Life Insurance Policy Locator", "url": "https://content.naic.org/article/learn-how-use-naic-life-insurance-policy-locator", "what": "The NAIC says this free tool helps find a deceased person's life insurance policies and annuity contracts.", "read": "2026-11-01" }, { "id": "us.bank.usagov-money-owed", "type": "bank", "name": "USA.gov: finding money owed to you", "url": "https://www.usa.gov/unclaimed-money", "what": "USA.gov points to the FDIC database for funds from closed banks and to NCUA for closed credit unions.", "read": "2026-11-01" } ], "faqs": [ { "q": "How do I find a lost pension in the United States?", "a": "Check your Social Security record through my Social Security. For workplace plans, search the Department of Labor's Retirement Savings Lost and Found, and its Abandoned Plan Search for ended employer plans." }, { "q": "Can I check my US state pension from abroad?", "a": "Yes. SSA says people living outside the US can reach their account with an ID.me login." }, { "q": "What do I need for the Department of Labor plan search?", "a": "A Login.gov account verified with your Social Security number, a photo of an active driver's license and a phone number linked to you in public records. This can be hard from abroad." } ] }, { "iso2": "VN", "name": "Vietnam", "countryPage": "https://capital-fm.com/countries/vietnam", "readDate": "2026-11-01", "pageInSearch": false, "intro": "Vietnam Social Security keeps a record of your social insurance contributions. We could not confirm a specific official page for checking it, so start with the agency itself.", "pension": { "state": null, "workplace": { "summary": "Vietnam has no public register that links employers to their pension funds. Ask your former employer about any extra scheme.", "url": null, "institution": null }, "facts": [], "deadline": null }, "other": [], "faqs": [ { "q": "How do I find a lost pension in Vietnam?", "a": "Contact Vietnam Social Security, which keeps social insurance contribution records. Ask your former employer for your social insurance details." }, { "q": "Can I check my Vietnamese state pension from abroad?", "a": "We could not confirm an official route from abroad. Contact Vietnam Social Security directly." }, { "q": "Is there a register of workplace pension funds in Vietnam?", "a": "No. Vietnam has no public register that links employers to their pension funds, so ask the former employer." } ] } ] }