For agents and developers

curl "https://api.capital-fm.com/api/check?countries=GB,NL&jobs=yes&left_midyear=yes"

curl "https://api.capital-fm.com/api/check?countries=DE&mode=loved_one"

curl https://api.capital-fm.com/api/check/schema

{
  "checker": "Capital FM free checker",
  "query": "countries=GB,NL&jobs=yes&left_midyear=yes&mode=self",
  "asOf": "2026-11-03",
  "lastVerified": "2026-11-03",
  "dataVersion": {
    "routes": "1.3.0",
    "taxRefunds": "1.0.0"
  },
  "mode": "self",
  "countries": [
    {
      "iso2": "GB",
      "name": "United Kingdom"
    },
    {
      "iso2": "NL",
      "name": "Netherlands"
    }
  ],
  "lookingFor": [
    "pension",
    "tax"
  ],
  "moneyMap": [
    {
      "country": {
        "iso2": "GB",
        "name": "United Kingdom"
      },
      "countryPage": "https://capital-fm.com/countries/united-kingdom",
      "routes": [
        {
          "id": "gb.pension.international-pension-centre",
          "area": "pension",
          "kind": "state",
          "name": "International Pension Centre (Department for Work and Pensions)",
          "provider": "International Pension Centre (Department for Work and Pensions)",
          "moneyTypes": [
            "pension"
          ],
          "statement": "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.",
          "whatYouNeed": null,
          "access": [
            {
              "method": "form",
              "note": "Online enquiry form"
            },
            {
              "method": "phone",
              "note": "International phone lines"
            }
          ],
          "limits": [],
          "cost": "free",
          "costNote": null,
          "officialUrl": "https://www.gov.uk/international-pension-centre",
          "publisher": "GOV.UK (DWP)",
          "checkedAt": "2026-11-02",
          "lastRead": "2026-11-01",
          "status": "ok",
          "routePage": "https://capital-fm.com/countries/united-kingdom#gb.pension.international-pension-centre",
          "quotedTitle": null,
          "deadline": null
        },
        {
          "id": "gb.pension.state-pension-forecast",
          "area": "pension",
          "kind": "state",
          "name": "Check your State Pension forecast (GOV.UK)",
          "provider": "Department for Work and Pensions",
          "moneyTypes": [
            "pension"
          ],
          "statement": "Shows how much State Pension you could get, when you can get it, and gaps in your National Insurance record.",
          "fromAbroad": null,
          "whatYouNeed": null,
          "access": [
            {
              "method": "sign-in",
              "note": "Sign in on GOV.UK; you may need to prove your identity, for example with photo ID"
            }
          ],
          "limits": [
            "Not for people who already get their State Pension or have deferred it."
          ],
          "cost": "free",
          "costNote": null,
          "officialUrl": "https://www.gov.uk/check-state-pension",
          "publisher": "GOV.UK (DWP)",
          "checkedAt": "2026-11-03",
          "lastRead": "2026-11-03",
          "status": "ok",
          "routePage": "https://capital-fm.com/countries/united-kingdom#gb.pension.state-pension-forecast",
          "quotedTitle": null,
          "deadline": null
        },
        {
          "id": "gb.tax.hmrc-tax-refund",
          "area": "tax",
          "kind": "state",
          "name": "HMRC: check how to get a tax refund",
          "provider": "HM Revenue & Customs",
          "moneyTypes": [
            "tax"
          ],
          "statement": "An HMRC tool that shows what to do if you paid too much tax: on pay from a job, job expenses, Self Assessment, a redundancy payment, savings interest, foreign income, UK income while living abroad, or UK income earned before you left.",
          "fromAbroad": "It covers UK income if you live abroad and UK income earned before leaving the UK.",
          "whatYouNeed": null,
          "access": [],
          "limits": [
            "The tool tells you what to do; it doesn't pay the refund itself."
          ],
          "cost": "free",
          "costNote": null,
          "officialUrl": "https://www.gov.uk/claim-tax-refund",
          "publisher": "GOV.UK (HMRC)",
          "checkedAt": "2026-11-03",
          "lastRead": "2026-11-03",
          "status": "ok",
          "routePage": "https://capital-fm.com/tax-refunds/uk#gb.tax.hmrc-tax-refund",
          "quotedTitle": "Check how to claim a tax refund",
          "deadline": {
            "status": "in-time",
            "earliestYearInTime": 2022,
            "yearLabel": "2022-23",
            "limitDate": "2027-04-05",
            "ruleText": "Generally within 4 years after the end of the tax year (tax years end on 5 April)."
          }
        },
        {
          "id": "gb.tax.personal-tax-account",
          "area": "tax",
          "kind": "state",
          "name": "HMRC personal tax account",
          "provider": "HM Revenue & Customs",
          "moneyTypes": [
            "tax"
          ],
          "statement": "Your HMRC account. You can check your income from work and how much Income Tax you paid in the previous 5 years, ask for a tax refund, and track forms you've sent online.",
          "fromAbroad": null,
          "whatYouNeed": null,
          "access": [
            {
              "method": "sign-in",
              "note": "Sign in on GOV.UK; you may be asked to prove your identity, for example with a passport or driving licence"
            }
          ],
          "limits": [],
          "cost": "free",
          "costNote": null,
          "officialUrl": "https://www.gov.uk/personal-tax-account",
          "publisher": "GOV.UK (HMRC)",
          "checkedAt": "2026-11-03",
          "lastRead": "2026-11-03",
          "status": "ok",
          "routePage": "https://capital-fm.com/tax-refunds/uk#gb.tax.personal-tax-account",
          "quotedTitle": null,
          "deadline": {
            "status": "in-time",
            "earliestYearInTime": 2022,
            "yearLabel": "2022-23",
            "limitDate": "2027-04-05",
            "ruleText": "Generally within 4 years after the end of the tax year (tax years end on 5 April)."
          }
        },
        {
          "id": "gb.tax.p800-tax-calculation",
          "area": "tax",
          "kind": "state",
          "name": "HMRC tax calculation letter (P800)",
          "provider": "HM Revenue & Customs",
          "moneyTypes": [
            "tax"
          ],
          "statement": "If you're employed or get a pension and paid too much tax by the end of the tax year (5 April), HMRC sends a tax calculation letter (P800) or a Simple Assessment letter that tells you how to get a refund. Letters go out between June and March of the following tax year.",
          "fromAbroad": null,
          "whatYouNeed": null,
          "access": [],
          "limits": [
            "If you're registered for Self Assessment, your bill is adjusted instead and you won't get one of these letters.",
            "If you think you paid too much and no letter came, use HMRC's tax refund checker."
          ],
          "cost": "free",
          "costNote": null,
          "officialUrl": "https://www.gov.uk/tax-overpayments-and-underpayments",
          "publisher": "GOV.UK (HMRC)",
          "checkedAt": "2026-11-03",
          "lastRead": "2026-11-03",
          "status": "ok",
          "routePage": "https://capital-fm.com/tax-refunds/uk#gb.tax.p800-tax-calculation",
          "quotedTitle": null,
          "deadline": {
            "status": "in-time",
            "earliestYearInTime": 2022,
            "yearLabel": "2022-23",
            "limitDate": "2027-04-05",
            "ruleText": "Generally within 4 years after the end of the tax year (tax years end on 5 April)."
          }
        },
        {
          "id": "gb.tax.leaving-uk-p85",
          "area": "tax",
          "kind": "state",
          "name": "Leaving the UK: form P85 (HMRC)",
          "provider": "HM Revenue & Customs",
          "moneyTypes": [
            "tax"
          ],
          "statement": "Tell HMRC you've left, or are leaving, the UK and ask for a repayment of tax from your UK employment. You can do it online once you've left, or by post.",
          "fromAbroad": "Online, once you've left the UK. You get a reference number to track progress.",
          "whatYouNeed": [
            "Your P45 'details of employee leaving work', if you have one"
          ],
          "access": [],
          "limits": [
            "If you haven't left the UK yet, you must print and post the form.",
            "You don't need a P85 if you're sending a Self Assessment tax return for the tax year you leave.",
            "HMRC pays by payable order posted to your address or your nominee's, to be paid into a bank account in your or your nominee's name. HMRC won't pay currency conversion or transfer fees, so you may want to keep your UK bank account open until the repayment arrives."
          ],
          "cost": "free",
          "costNote": null,
          "officialUrl": "https://www.gov.uk/guidance/get-your-income-tax-right-if-youre-leaving-the-uk-p85",
          "publisher": "GOV.UK (HMRC)",
          "checkedAt": "2026-11-03",
          "lastRead": "2026-11-03",
          "status": "ok",
          "routePage": "https://capital-fm.com/tax-refunds/uk/leaving-the-uk#gb.tax.leaving-uk-p85",
          "quotedTitle": null,
          "deadline": {
            "status": "in-time",
            "earliestYearInTime": 2022,
            "yearLabel": "2022-23",
            "limitDate": "2027-04-05",
            "ruleText": "Generally within 4 years after the end of the tax year (tax years end on 5 April)."
          }
        },
        {
          "id": "gb.tax.leaving-uk-guide",
          "area": "tax",
          "kind": "state",
          "name": "Tax if you leave the UK to live abroad (GOV.UK)",
          "provider": "HM Revenue & Customs",
          "moneyTypes": [
            "tax"
          ],
          "statement": "Tell HMRC if you're leaving the UK to live abroad permanently, going to work abroad full time for at least one full tax year, or you're a foreign national leaving the UK. HMRC can then work out if you're due a tax refund.",
          "fromAbroad": null,
          "whatYouNeed": null,
          "access": [],
          "limits": [
            "If you usually do Self Assessment, you tell HMRC through the residence section of your return (SA109), by post."
          ],
          "cost": "free",
          "costNote": null,
          "officialUrl": "https://www.gov.uk/tax-right-retire-abroad-return-to-uk",
          "publisher": "GOV.UK (HMRC)",
          "checkedAt": "2026-11-03",
          "lastRead": "2026-11-03",
          "status": "ok",
          "routePage": "https://capital-fm.com/tax-refunds/uk/leaving-the-uk#gb.tax.leaving-uk-guide",
          "quotedTitle": null,
          "deadline": {
            "status": "none"
          }
        },
        {
          "id": "gb.pension.tracing-service",
          "area": "pension",
          "kind": "workplace",
          "name": "Pension Tracing Service (Department for Work and Pensions)",
          "provider": "Pension Tracing Service (Department for Work and Pensions)",
          "moneyTypes": [
            "pension"
          ],
          "statement": "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.",
          "fromAbroad": null,
          "whatYouNeed": [
            "The name of a past employer or pension provider"
          ],
          "access": [],
          "limits": [
            "It gives contact details only. It will not tell you whether you have a pension or what it is worth."
          ],
          "cost": "free",
          "costNote": null,
          "officialUrl": "https://www.gov.uk/find-pension-contact-details",
          "publisher": "GOV.UK (DWP)",
          "checkedAt": "2026-11-02",
          "lastRead": "2026-11-01",
          "status": "ok",
          "routePage": "https://capital-fm.com/countries/united-kingdom#gb.pension.tracing-service",
          "quotedTitle": null,
          "deadline": null
        },
        {
          "id": "gb.shares.companies-house-search",
          "area": "shares",
          "kind": null,
          "name": "Companies House: search the register",
          "provider": "Companies House",
          "moneyTypes": [
            "shares"
          ],
          "statement": "The official register of UK companies: past names, status and filings.",
          "fromAbroad": null,
          "whatYouNeed": [
            "The company's name or number, for example from an old share certificate"
          ],
          "access": [],
          "limits": [],
          "cost": "free",
          "costNote": null,
          "officialUrl": "https://find-and-update.company-information.service.gov.uk/",
          "publisher": "Companies House",
          "checkedAt": "2026-11-03",
          "lastRead": "2026-11-03",
          "status": "ok",
          "routePage": "https://capital-fm.com/countries/united-kingdom#gb.shares.companies-house-search",
          "quotedTitle": null,
          "deadline": null
        },
        {
          "id": "gb.vat.tax-free-shopping",
          "area": "tax",
          "kind": "state",
          "name": "Tax-free shopping in the UK (GOV.UK)",
          "provider": "HM Revenue & Customs",
          "moneyTypes": [
            "tax"
          ],
          "statement": "In Great Britain (England, Wales and Scotland), you can only buy tax-free goods from shops that deliver them straight to an address outside the UK. In Northern Ireland, visitors who live outside Northern Ireland and the EU can sometimes get a VAT refund on goods taken out of Northern Ireland and the EU within 3 months, using a VAT 407(NI) form from the retailer.",
          "fromAbroad": null,
          "whatYouNeed": null,
          "access": [],
          "limits": [
            "Not all retailers offer this.",
            "Some retailers charge a fee for handling the form, taken from the refund.",
            "No refund on services such as hotel bills."
          ],
          "cost": null,
          "costNote": null,
          "officialUrl": "https://www.gov.uk/tax-on-shopping/taxfree-shopping",
          "publisher": "GOV.UK (HMRC)",
          "checkedAt": "2026-11-03",
          "lastRead": "2026-11-03",
          "status": "ok",
          "routePage": "https://capital-fm.com/tax-refunds/uk/tax-free-shopping#gb.vat.tax-free-shopping",
          "quotedTitle": null,
          "deadline": {
            "status": "rule-text",
            "ruleText": "Northern Ireland only: take the goods out of Northern Ireland and the EU within 3 months."
          }
        },
        {
          "id": "gb.register.reclaim-fund",
          "area": "register",
          "kind": null,
          "name": "Dormant assets fund operator (Reclaim Fund Ltd)",
          "provider": "Reclaim Fund Ltd",
          "moneyTypes": [
            "bank",
            "savings",
            "insurance",
            "shares",
            "pension"
          ],
          "statement": "Reclaim Fund Ltd is the organisation that holds money moved under the UK Dormant Assets Scheme.",
          "fromAbroad": null,
          "whatYouNeed": null,
          "access": [],
          "limits": [
            "It holds money moved under the UK Dormant Assets Scheme. Start with the original bank or provider."
          ],
          "cost": null,
          "costNote": null,
          "officialUrl": "https://www.reclaimfund.co.uk/",
          "publisher": "Reclaim Fund Ltd",
          "checkedAt": "2026-11-03",
          "lastRead": "2026-11-03",
          "status": "ok",
          "routePage": "https://capital-fm.com/countries/united-kingdom#gb.register.reclaim-fund",
          "quotedTitle": "Reclaim Fund Ltd",
          "deadline": null
        },
        {
          "id": "gb.insurance.abi-provider-register",
          "area": "insurance",
          "kind": null,
          "name": "ABI register: who now runs an old pension or life policy",
          "provider": "Association of British Insurers",
          "moneyTypes": [
            "insurance",
            "pension"
          ],
          "statement": "ABI explains that you can search the original provider's name to find the company that may now run the policy, and that you should check the contact details in a tracing letter.",
          "fromAbroad": null,
          "whatYouNeed": null,
          "access": [],
          "limits": [],
          "cost": null,
          "costNote": null,
          "officialUrl": "https://www.abi.org.uk/policy-and-guidance/long-term-savings/keep-track-of-your-pension-and-life-insurance",
          "publisher": "Association of British Insurers",
          "checkedAt": "2026-11-03",
          "lastRead": "2026-11-03",
          "status": "blocked",
          "routePage": "https://capital-fm.com/countries/united-kingdom#gb.insurance.abi-provider-register",
          "quotedTitle": null,
          "deadline": null
        }
      ],
      "notVerifiedYet": []
    },
    {
      "country": {
        "iso2": "NL",
        "name": "Netherlands"
      },
      "countryPage": "https://capital-fm.com/countries/netherlands",
      "routes": [
        {
          "id": "nl.tax.belastingdienst-terugkrijgen",
          "area": "tax",
          "kind": "state",
          "name": "Belastingdienst: check whether you get income tax back",
          "provider": "Belastingdienst",
          "moneyTypes": [
            "tax"
          ],
          "statement": "If you weren't asked to file a Dutch income tax return, you can still file one up to 5 years back. In 2026 you can file for 2021, and the return for 2021 must reach the Belastingdienst by 31 December 2026.",
          "fromAbroad": "Non-residents can file online in Mijn Belastingdienst with DigiD or an EU-recognised login.",
          "whatYouNeed": [
            "DigiD, or an EU-recognised login if you live abroad"
          ],
          "access": [],
          "limits": [],
          "cost": "free",
          "costNote": null,
          "officialUrl": "https://www.belastingdienst.nl/wps/wcm/connect/bldcontentnl/belastingdienst/prive/inkomstenbelasting/belasting_betalen_terugvragen/check_of_u_belasting_terugkrijgt/check_of_u_belasting_terugkrijgt",
          "publisher": "Belastingdienst",
          "checkedAt": "2026-11-03",
          "lastRead": "2026-11-03",
          "status": "ok",
          "routePage": "https://capital-fm.com/tax-refunds/nl#nl.tax.belastingdienst-terugkrijgen",
          "quotedTitle": null,
          "deadline": {
            "status": "in-time",
            "earliestYearInTime": 2021,
            "yearLabel": "2021",
            "limitDate": "2026-12-31",
            "ruleText": "Up to 5 years back. For 2021, the return must arrive by 31 December 2026."
          }
        },
        {
          "id": "nl.pension.mijn-pensioenoverzicht",
          "area": "pension",
          "kind": "workplace",
          "name": "Mijn Pensioenoverzicht (via NetherlandsWorldwide)",
          "provider": "Mijn Pensioenoverzicht (via NetherlandsWorldwide)",
          "moneyTypes": [
            "pension"
          ],
          "statement": "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.",
          "fromAbroad": null,
          "whatYouNeed": [
            "DigiD or an EU-approved login key"
          ],
          "access": [
            {
              "method": "sign-in",
              "note": "DigiD or an EU-approved login key"
            }
          ],
          "limits": [],
          "cost": "free",
          "costNote": null,
          "officialUrl": "https://www.netherlandsworldwide.nl/retiring/how-much-pension",
          "publisher": "NetherlandsWorldwide",
          "checkedAt": "2026-11-02",
          "lastRead": "2026-11-01",
          "status": "ok",
          "routePage": "https://capital-fm.com/countries/netherlands#nl.pension.mijn-pensioenoverzicht",
          "quotedTitle": null,
          "deadline": null
        },
        {
          "id": "nl.shares.kvk-search",
          "area": "shares",
          "kind": null,
          "name": "KVK: search the Dutch business register",
          "provider": "Kamer van Koophandel (KVK)",
          "moneyTypes": [
            "shares"
          ],
          "statement": "The Dutch business register: check a company's name and status before you contact anyone about old shares.",
          "fromAbroad": null,
          "whatYouNeed": [
            "The company name"
          ],
          "access": [],
          "limits": [],
          "cost": null,
          "costNote": null,
          "officialUrl": "https://www.kvk.nl/zoeken/",
          "publisher": "KVK",
          "checkedAt": "2026-11-03",
          "lastRead": "2026-11-03",
          "status": "ok",
          "routePage": "https://capital-fm.com/countries/netherlands#nl.shares.kvk-search",
          "quotedTitle": null,
          "deadline": null
        },
        {
          "id": "nl.pension.svb-aow",
          "area": "pension",
          "kind": "state",
          "name": "Sociale Verzekeringsbank (SVB)",
          "provider": "Sociale Verzekeringsbank (SVB)",
          "moneyTypes": [
            "pension"
          ],
          "statement": "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.",
          "whatYouNeed": null,
          "access": [],
          "limits": [],
          "cost": null,
          "costNote": null,
          "officialUrl": "https://www.svb.nl/en/aow-pension/arranging-your-affairs/applying-for-an-aow-pension-if-you-live-outside-the-netherlands",
          "publisher": "Sociale Verzekeringsbank (SVB)",
          "checkedAt": "2026-11-02",
          "lastRead": "2026-11-01",
          "status": "blocked",
          "routePage": "https://capital-fm.com/countries/netherlands#nl.pension.svb-aow",
          "quotedTitle": null,
          "deadline": null
        }
      ],
      "notVerifiedYet": []
    }
  ],
  "eu": [
    {
      "id": "eu.vat.tourist-refund",
      "area": "tax",
      "kind": "state",
      "name": "VAT refunds for visitors from outside the EU (Your Europe)",
      "provider": "European Union (Your Europe)",
      "moneyTypes": [
        "tax"
      ],
      "statement": "If you live outside the EU, you're entitled to a VAT refund on goods you bought during your stay, if you show them to customs when you leave, within 3 months of buying them, with the VAT refund documents.",
      "fromAbroad": null,
      "whatYouNeed": null,
      "access": [],
      "limits": [
        "The process isn't harmonised, so each EU country has its own procedure, often through the shop or a VAT refund operator.",
        "Customs must validate your refund, digitally or physically, before you leave the EU.",
        "Some countries set a minimum spend."
      ],
      "cost": null,
      "costNote": null,
      "officialUrl": "https://europa.eu/youreurope/citizens/consumers/shopping/vat/index_en.htm",
      "publisher": "Your Europe (European Union)",
      "checkedAt": "2026-11-03",
      "lastRead": "2026-11-03",
      "status": "ok",
      "routePage": "https://capital-fm.com/tax-refunds/vat-tourists#eu.vat.tourist-refund",
      "quotedTitle": null,
      "deadline": {
        "status": "rule-text",
        "ruleText": "Show the goods to customs when you leave, within 3 months of buying them."
      }
    }
  ],
  "notices": [],
  "nextSteps": [
    "Start with the free official routes below. You only need what each page asks for. We never need account numbers or ID.",
    "If you've moved, the State Pension and tax routes for the country you left are often the ones people miss.",
    "Got a letter or email about money? Check the sender yourself, using contact details from the organisation's official site or register, not from the letter."
  ],
  "paidOption": {
    "heading": "When the free routes aren't enough",
    "label": "Paid service.",
    "disclosure": "PensionHunter is a separate, paid service run by a separate company.",
    "text": "For pensions in more than one country, or where an employer no longer exists, PensionHunter offers a paid Pension Identification Report. It names who now holds each pension it finds and where to write, with every finding sourced and dated. Some options include a researcher who prepares requests for you to sign and send. You stay in control: PensionHunter does not give advice and does not contact providers for you.",
    "sampleReport": "https://pensionhunter.ai/sample-report",
    "pricing": "https://pensionhunter.ai/pricing"
  },
  "attribution": {
    "name": "Capital FM free checker",
    "url": "https://capital-fm.com/find?countries=GB,NL&jobs=yes&left_midyear=yes&mode=self",
    "apiUrl": "https://api.capital-fm.com/api/check?countries=GB,NL&jobs=yes&left_midyear=yes&mode=self",
    "licence": "CC-BY-4.0",
    "licenceUrl": "https://creativecommons.org/licenses/by/4.0/",
    "data": "https://capital-fm.com/data/v1/routes.json"
  },
  "note": "We always point people to the free government tracing route first, and we take nothing from financial advisers.",
  "disclaimer": "Not financial or tax advice. Always read the official page before you act."
}

{
  "name": "find_money_left_behind",
  "description": "Find the free official routes to look for pensions, bank accounts, life insurance, shares and dividends, savings bonds, and tax and VAT refunds a person may have left behind in the countries they lived or worked in. Wraps GET https://api.capital-fm.com/api/check from the Capital FM free checker. Returns official URLs with last-checked dates. Not financial or tax advice; never send personal data.",
  "inputSchema": {
    "type": "object",
    "properties": {
      "countries": {
        "type": "array",
        "items": {
          "type": "string",
          "pattern": "^[A-Z]{2}$"
        },
        "minItems": 1,
        "maxItems": 12
      },
      "jobs": {
        "enum": [
          "yes",
          "no",
          "notsure"
        ]
      },
      "accounts": {
        "enum": [
          "yes",
          "no",
          "notsure"
        ]
      },
      "shares": {
        "enum": [
          "yes",
          "no",
          "notsure"
        ]
      },
      "bereaved": {
        "enum": [
          "yes",
          "no",
          "notsure"
        ]
      },
      "left_midyear": {
        "enum": [
          "yes",
          "no",
          "notsure"
        ]
      },
      "child_savings": {
        "enum": [
          "yes",
          "no",
          "notsure"
        ]
      },
      "mode": {
        "enum": [
          "self",
          "loved_one"
        ]
      }
    },
    "required": [
      "countries"
    ],
    "additionalProperties": false
  }
}