Here is a number that might make you check your IC today.
As of 31 January 2026, more than RM13 billion in unclaimed money had been recorded in Malaysia. Around RM7 billion was still being held in the Unclaimed Money Trust Account, while the remainder had been transferred to the Consolidated Revenue Account after 10 years.
The money can still be claimed by its rightful owner or heirs even after the transfer.
The funds may come from forgotten bank accounts, matured fixed deposits, unpaid insurance payouts, old dividends, salaries and other payments that were never collected.
EPF savings work under a separate system, but certain untouched EPF balances may eventually be transferred to the Accountant General’s Department too.
Here is how to check whether any of the money belongs to you.
Step 1: Understand what counts as unclaimed money
Under the Unclaimed Moneys Act 1965, unclaimed money generally falls under three categories:
- Money legally payable to its owner that has remained unpaid for at least two years. This may include salaries, bonuses, dividends, approved insurance claims and matured fixed deposits without automatic renewal instructions.
- Money in an account that has not been operated by its owner for at least seven years. This commonly includes inactive savings accounts, current accounts and fixed deposits with automatic renewal instructions.
- Money in a trade account that has remained dormant for at least two years, such as credit balances in trade creditor or debtor accounts.
This means the money may come from an account you forgot about years ago, an insurance payment that never reached you or dividends from an old investment.
Step 2: Check eGUMIS for bank, insurance and other unclaimed money
The Electronic Government Unclaimed Money Information System, better known as eGUMIS, is the official portal operated by the Accountant General’s Department.
Checking and claiming through the portal is free.
To search:
- Visit the official eGUMIS portal.
- Create an account or log in. A basic search can be made using an identification number, but registration and login are required to view detailed records and submit a claim.
- Select the unclaimed money search option.
- Enter your MyKad or identification number.
- Select the relevant record and click “Continue With Application”.
- Add the recipient’s details and active bank account information.
- Upload the mandatory supporting documents.
- Agree to the declaration and terms before submitting the application.
- Log back into the portal to monitor the application status.
Only records that have already been submitted to the Registrar by the relevant company, bank or institution will appear in eGUMIS.
If you believe money exists but cannot find it, you may need to contact the bank, insurer or company involved to confirm whether it has been transferred to the Registrar.
Step 3: Check EPF separately
EPF savings do not immediately appear in eGUMIS simply because an account has been left untouched.
For Malaysian citizens, permanent residents and non citizens who registered as EPF members before 1 August 1998, dividends may continue to be credited after the member turns 75 until they reach 100 years old.
If no withdrawal application has been made by the member or their next of kin by the time the member reaches 100, the savings will be transferred to the Unclaimed Money Management Division under the Accountant General’s Department.
Members aged 75 and above can use EPF’s unclaimed savings search facility. Members or their family may also check the account through KWSP i Akaun, visit an EPF office or contact the EPF Contact Management Centre at 03 8922 6000.
Different rules apply to some non Malaysian members who registered from 1 August 1998 onwards, so those cases should be checked directly with EPF.
Step 4: Prepare the correct documents
The documents required depend on the type of money and the person making the claim.
For a straightforward individual claim, the basic documents normally include:
- The completed UMA 7 application generated through eGUMIS
- A copy of the claimant’s identification document
- A copy of an active savings or current account statement showing the claimant’s full name, bank name and account number
Tabung Haji accounts, investment accounts, loan accounts and ewallets are not accepted for payment.
An original confirmation letter from the bank, insurer or company may be required if the information submitted to eGUMIS does not match the claimant’s identification details or if additional ownership verification is needed.
For money belonging to someone who has died, the estate administrator will generally need:
- The administrator’s identification document
- An active bank account statement in the administrator’s name
- The deceased person’s death certificate
- A Grant of Probate, Letters of Administration or another recognised estate administration document that includes the unclaimed money in the list of assets
Some original documents may need to be submitted at the counter or by registered post within seven working days of the online application.
Step 5: Submit the claim and monitor its status
After submitting the claim, eGUMIS carries out two stages of document verification.
If the documents cannot be verified, the application may be placed under document query status. You will need to log in, read the query and upload the correct documents again.
Once you receive confirmation that document verification has been successfully completed, payment should be processed within 30 working days. The money will be credited directly into the registered active bank account.
A few important things to know
There is no application fee.
Claims made directly through eGUMIS or the Registrar of Unclaimed Moneys are free.
There is no minimum claim amount.
Even a small dividend or forgotten account balance can be claimed.
No interest is paid.
Claimants receive the amount recorded by the company or institution without additional interest.
There is no expiry date for a valid claim.
Money held by the Registrar can be claimed at any time by someone who can prove their legal right to it.
Watch out for scammers.
The Ministry of Finance and the Registrar of Unclaimed Moneys have not appointed agents or companies to retrieve funds on behalf of the public. Avoid anyone asking for a fee or percentage of your money, and use only the official eGUMIS portal.
It is worth taking a few minutes to check
With more than RM13 billion in unclaimed money recorded nationwide, checking costs nothing and may only take a few minutes.
You might find nothing. But you could also discover an old bank balance, insurance payout or dividend that you had completely forgotten about.
Just remember that finding another person’s record does not automatically allow you to claim it. The money will only be paid to its rightful owner or a legally authorised representative.
