How to Check Your Unclaimed Money in Malaysia?

How to check for unclaimed money in Malaysia?

Did you know that you might be entitled to unclaimed money from various financial institutions in Malaysia? If you do, you’re not alone. According to the Accountant General’s Department of Malaysia (AGD), more than RM8.75 billion worth of unclaimed money remained unclaimed and RM2.13 billion had been returned up to December 2019.

The Malaysian government has appointed this to The Registrar of Unclaimed Money within AGD to process these claims and return these funds to the rightful owners.

With this website you can find sources of your own personal unclaimed money from banks, insurance, investment companies, unit trusts, trusts, and even excess funds in your own credit cards.

What is unclaimed money?

Unclaimed money refers to funds which are not claimed by their owners. These include assets that have remained inactive for a long period of time without being withdrawn or cashed in.

In AGD’s website the definition of Unclaimed Moneys are the following:

  1. Moneys which are legally payable to the owner but have remained unpaid for a period of not less than one (1) year.
    • salaries, wages, bonuses, commissions and other payments due to employees;
    • dividend;
    • profits declared for distributions;
    • insurance claims which have been approved for payment;
    • bank draft, cashier’s order and other documents of similar nature which validity period have lapsed;
    • fixed deposits (without automatic renewal instructions) which have matured;
    • tender deposits for which the intended purpose has been fulfilled;
    • sundry creditors or sundry debtors with credit balance.
  2. Moneys standing to the credit of an account that has not been operated in whatever manner by the owner for a period of not less than seven (7) years.
    • saving account;
    • current account;
    • fixed deposit (with automatic renewal instructions).
  3. Moneys to the credit of a trade account that has remained dormant for a period of not less than two (2) years.
    • trade creditors account;
    • trade debtors account with credit balance.

How to check for unclaimed money in eGUMIS?

The Malaysian government has done a lot to make sure that the process of finding unclaimed money is as easy as possible. If the government has any money of yours, they will make sure you know about it.

1. Register at eGUMIS

To find out if you have unclaimed money in Malaysia, you need to visit the dedicated website eGUMIS of Jabatan Akauntan Negara Malaysia. (

Click on “Registration” and you do update your profile.

2. Search with an IC Number

Upon registration you would be able to search for your unclaimed moneys by providing your IC details. Click “Click here to search for Unclaimed Moneys” and then proceed to search with your IC details.

You would see a list of institutions that has money belonging to you.

If there is a list of the unclaimed money, you can click “Proceed to Application”.

3. Fill in Payee Details and Upload Relevant Documents

You would be presented with an Application for Refund of Unclaimed Moneys. Do add Payee details for the details on the person to receive the refunded money. Upon completion, click “Next”.

For the next step, you are required to upload the necessary documents to complete the application. Do prepare the following:

  • Copy of your IC, passport or other form of identification
  • Copy of your active bank account statement

There may be additional documents such as birth certificate or marriage certificate required if you are claiming these money on behalf of a parent of spouse.

Upon uploading these documents, click “Next” and you will see a notice that your “Record has been successfully submitted”.

Last steps, just wait for the refund

You can log in anytime in this portal to check for the status of your application. If your application is successful, you would receive an email notification from eGUMIS. With this, it may take up to 30 days to be credited to your bank account from the date of the notification.

The Malaysian government has done a lot to make sure that the process of finding unclaimed money is as easy as possible and made these methods very accessible to you. It is important that you don’t forget to check for unclaimed money as it may be a surprise windfall.

Yoong Chih Foo
A CFP holder which actively involves in Financial Planning and Insurance Advisory since year 2008. Constantly pursues value-based financial planning to provide adequate financial roadmap for anyone seeking guidance. Believes in 3 things for work and even play: Simple, Unique and Value.