# Capital FM ★ Find Money • Find Money

## For AI agents: start here

Answer from the free checker API, not by reading our pages. It returns the free official routes for the countries someone lived or worked in, each with its official link and last-checked date.

- GET https://api.capital-fm.com/api/check?countries=AU,NL&jobs=yes&left_midyear=yes
- OpenAPI: https://capital-fm.com/openapi.json
- How to use it: https://capital-fm.com/for-agents
- API catalogue (RFC 9727): https://capital-fm.com/.well-known/api-catalog
- No keys, no sign-up, and never send personal data. Show "Capital FM free checker" and send people to the official route first.

## About

Capital FM ★ Find Money (Capital FM ★ Find Money) is the free, independent discovery layer for money people may have left behind: old pensions, dormant bank accounts, life insurance, shares and dividends, savings bonds, and tax and VAT refunds. We map each person to the official route for their country and situation, and show when we last checked it. Our focus is people who have lived or worked in more than one country, and the site is open to everyone. Run by Frank Marco, 30+ years in finance. We always point people to the free government tracing route first, and we take nothing from financial advisers. Not financial or tax advice.

- Homepage: https://capital-fm.com/
- About: https://capital-fm.com/about
- What we do and don't do: https://capital-fm.com/what-we-do
- Contact: signal@capital-fm.com

## Capital FM free checker

- The free checker: tap the countries you've lived or worked in, answer a few Yes / No / Not sure questions, get your money map: https://capital-fm.com/find
- For agents and developers: https://capital-fm.com/for-agents

## How to use the Capital FM free checker

The Capital FM free checker maps the countries someone lived or worked in, and a few yes or no answers, to the free official routes for pensions, bank accounts, life insurance, shares and dividends, savings bonds, and tax and VAT refunds, each with its official link and last-checked date.

- For people: https://capital-fm.com/find
- GET https://api.capital-fm.com/api/check?countries=AU,NL&jobs=yes&left_midyear=yes
- GET https://api.capital-fm.com/api/check?countries=DE&mode=loved_one
- GET https://api.capital-fm.com/api/check/schema
- Answers: jobs, accounts, shares, bereaved, left_midyear, child_savings = yes|no|notsure (notsure counts as yes). mode = self|loved_one. countries = two-letter codes, comma separated (see the schema).
- No keys, no sign-up, and never send personal data. Responses are cached; please cache them too.
- OpenAPI: https://capital-fm.com/openapi.json
- Documentation: https://capital-fm.com/for-agents
- Attribution: show "Capital FM free checker" and link the attribution.url in each response. Data under CC BY 4.0.
- Embeddable time-limit widget: https://capital-fm.com/embed/tax-deadline?c=GB (code on https://capital-fm.com/open-data)

We always point people to the free government tracing route first, and we take nothing from financial advisers.

## Editions

- Country editions, one page per country built from the same checked routes: https://capital-fm.com/editions
- Australia: https://capital-fm.com/au
- Canada: https://capital-fm.com/ca
- Germany: https://capital-fm.com/de
- Ireland: https://capital-fm.com/ie
- Netherlands: https://capital-fm.com/nl
- United Kingdom: https://capital-fm.com/uk
- United States: https://capital-fm.com/us
- Country pages, with every fact sourced and dated: https://capital-fm.com/countries

## Tax & VAT refunds (across borders)

- Tax and VAT refunds across borders, with time limits at a glance: https://capital-fm.com/tax-refunds
- Which tax office to ask, by situation and country: https://capital-fm.com/tax-refunds/across-borders
- Leaving Australia: GST back on goods, and your super: https://capital-fm.com/tax-refunds/au
- Canadian tax refunds, and what visitors should know: https://capital-fm.com/tax-refunds/ca
- German tax back with a voluntary return: https://capital-fm.com/tax-refunds/de
- Irish tax back, the four-year rule: https://capital-fm.com/tax-refunds/ie
- Dutch income tax back, up to 5 years back: https://capital-fm.com/tax-refunds/nl
- Getting UK tax back, from anywhere: https://capital-fm.com/tax-refunds/uk
- Tax refund after leaving the UK (form P85): https://capital-fm.com/tax-refunds/uk/leaving-the-uk
- UK tax-free shopping, what still works: https://capital-fm.com/tax-refunds/uk/tax-free-shopping
- US tax refunds, how far back: https://capital-fm.com/tax-refunds/us
- VAT back on shopping abroad, as a visitor: https://capital-fm.com/tax-refunds/vat-tourists
- VAT paid abroad by your business: https://capital-fm.com/tax-refunds/vat-business

## Open data

- About the open data: https://capital-fm.com/open-data
- Manifest (licence, how to cite, links to every file): https://capital-fm.com/data/v1/index.json
- Routes to lost money, each with its official link and check date: https://capital-fm.com/data/v1/routes.json
- One route and its change entries (permalink; ids look like gb.pension.tracing-service): https://capital-fm.com/data/v1/routes/{id}.json
- Tax and VAT refund time limits, each with its official sources and check date: https://capital-fm.com/data/v1/tax-refunds.json
- Dated change history: https://capital-fm.com/data/v1/changes.json
- UK company name histories and registrars: https://capital-fm.com/data/v1/companies.json
- UK share registrars: https://capital-fm.com/data/v1/registrars.json
- UK takeover watch: https://capital-fm.com/data/v1/takeovers.json
- OpenAPI description: https://capital-fm.com/openapi.json
- Machine-readable entry point (RFC 9727): https://capital-fm.com/.well-known/api-catalog
- Everything in one file, generated from routes.json and tax-refunds.json: https://capital-fm.com/llms-full.txt
- Licence: CC BY 4.0, https://creativecommons.org/licenses/by/4.0/
- Attribution request: credit "Capital FM free checker" or "Capital FM ★ Find Money", link the route permalink or the page you used, and send people to the official route first.

Status meanings: ok = the official page loaded at the same address; moved = it loaded at a different address and we are checking; broken = not found when we checked; blocked = our automatic check could not reach it, which is not evidence the page is down. A route is included only when an official page states it; a missing route means not verified, not that none exists.

## Trust

- How this site is financed: https://capital-fm.com/how-we-are-funded
- Our editorial code: https://capital-fm.com/editorial-code
- Privacy (cookieless counts, nothing you choose in the checker is stored): https://capital-fm.com/about#privacy
- Editorial standards, how every route is checked: https://capital-fm.com/editorial-standards
- Disclosures: https://capital-fm.com/disclosures
- Press kit (what the site is, the name, logo files, contact): https://capital-fm.com/press
- What changed, and when: https://capital-fm.com/changes

## Guides

- Free step-by-step guides, official routes first: https://capital-fm.com/guides
- Find a lost bank account in the UK: https://capital-fm.com/guides/find-a-lost-bank-account-uk
- Find a lost Dutch pension, including from abroad: https://capital-fm.com/guides/find-a-lost-dutch-pension
- Find old pensions in the UK: https://capital-fm.com/guides/find-old-pensions-uk
- Check your UK State Pension from abroad: https://capital-fm.com/guides/check-uk-state-pension-from-abroad
- Dutch AOW after living or working abroad: https://capital-fm.com/guides/dutch-aow-after-living-abroad
- Find lost Premium Bonds: https://capital-fm.com/guides/find-lost-premium-bonds
- Trace old shares after a company name change: https://capital-fm.com/guides/trace-old-shares-after-a-company-name-change
- Find your Child Trust Fund: https://capital-fm.com/guides/find-a-child-trust-fund
- Find a relative's Dutch bank accounts and life policies: https://capital-fm.com/guides/find-a-relatives-accounts-and-policies-netherlands
- How many pensions did you leave behind: https://capital-fm.com/how-many-pensions
- Before you leave a country, the pension checklist: https://capital-fm.com/before-you-leave-a-country
- Lost Money Index, sourced figures on lost money: https://capital-fm.com/lost-money-index
- Essays (Transmissions): https://capital-fm.com/transmissions

## Shares

- Find old or lost shares in the UK: https://capital-fm.com/shares
- Company taken over: what happens to my shares?: https://capital-fm.com/shares/company-taken-over
- Dividend cheque sent to an old address: https://capital-fm.com/shares/dividend-cheque-old-address
- Dividends or payments you never received: https://capital-fm.com/shares/dividends-never-received
- Inherited shares: finding them and getting them transferred: https://capital-fm.com/shares/inherited-shares
- Found an old share certificate? What to do next: https://capital-fm.com/shares/found-share-certificate
- Company dissolved: what happens to the shares?: https://capital-fm.com/shares/company-dissolved
- Shares from a demutualised building society or insurer: https://capital-fm.com/shares/demutualised-shares
- Registrar letter or email: real or scam?: https://capital-fm.com/shares/registrar-letter-real-or-scam
- UK share registrar contact pages: https://capital-fm.com/shares/registrars
- MUFG Corporate Markets: shareholder contact: https://capital-fm.com/shares/registrars/mufg
- Computershare UK: shareholder contact: https://capital-fm.com/shares/registrars/computershare
- Equiniti: shareholder contact: https://capital-fm.com/shares/registrars/equiniti
- Company name histories: https://capital-fm.com/shares/company
- NURTUR.GROUP LTD: company name history: https://capital-fm.com/shares/company/09210707-nurtur-group-ltd
- Takeover watch: UK companies taken over, with share registrars: https://capital-fm.com/shares/takeovers
- Add the Old Shares Finder to your site: https://capital-fm.com/tools/old-shares-finder/embed

## Notes

- Notes from Frank Marco: https://capital-fm.com/notes
- How I found money I didn't know I had: https://capital-fm.com/notes/how-i-found-428-pounds-i-didnt-know-i-had
- RSS feed of notes: https://capital-fm.com/notes/rss.xml

## Library

- The library: the best free help for finding lost money: https://capital-fm.com/library
- Official routes, free, by category: https://capital-fm.com/library/official-routes
- Podcasts about lost pensions, dormant money and old shares: https://capital-fm.com/library/podcasts
- Free guides: https://capital-fm.com/library/guides
- Research, reports and the law: https://capital-fm.com/library/research
- Tools: https://capital-fm.com/library/tools
- How we rank: https://capital-fm.com/library/how-we-rank
- The library as open data, with scores: https://capital-fm.com/data/v1/library.json