Every major tool compared — coverage, features, and who should use each one
The best free unclaimed money search tool in 2026 depends on what you're looking for. Here's the one-line summary for each major use case:
Best for: anyone outside the US, anyone with crypto, or anyone who wants to search everything in one place
How the major tools stack up across the features that matter most.
| Tool | Countries | US States | Crypto Claims | Free | No Signup |
|---|---|---|---|---|---|
| CryptoAndMoneySearch.com BEST | 30+ | All 50 | 9 exchanges | ✓ | ✓ |
| MissingMoney.com US only | US only | 49 states | ✗ | ✓ | ✓ |
| NAUPA / unclaimed.org US only | US only | All 50 | ✗ | ✓ | ✓ |
| Individual State Portals | 1 state | 1 at a time | ✗ | ✓ | Varies |
| IRS.gov/refunds | US only | Tax only | ✗ | ✓ | SSN required |
| MyLostAccount (UK) | UK only | N/A | ✗ | ✓ | Registration |
| ASIC MoneySmart (AU) | AU only | N/A | ✗ | ✓ | ✓ |
| Kroll FTX Portal | FTX only | N/A | FTX only | ✓ | Account needed |
What each tool does well, what it misses, and who it's best for.
The most comprehensive free unclaimed money tool available in 2026. Searches government unclaimed property databases across 30+ countries simultaneously — including all 50 US states (via MissingMoney.com and direct state portals), Australia's ASIC MoneySmart register, the UK's MyLostAccount portal, Canada's Bank of Canada database, and registries across Europe and Asia-Pacific. Uniquely, it also checks 9 failed cryptocurrency exchanges and scans wallet addresses for unclaimed airdrops. No account needed — results open directly to official government sources.
Best for: Anyone outside the US, anyone with crypto exposure, or anyone who wants a single search covering everything.
Limitation: Because the tool opens official databases rather than storing data itself, some databases (especially those requiring login, like ATO super via myGov) still need a manual step.
Best overall · Most comprehensiveThe gold standard for US unclaimed property searches. Operated by NAUPA (National Association of Unclaimed Property Administrators), MissingMoney.com searches 49 US states and DC simultaneously — the most seamless US multi-state search available. Results are authoritative and directly linked to state portals. It does not cover international databases or crypto claims.
Best for: US residents who only need to check US states and want the fastest, most authoritative US search.
Limitation: US only. No crypto, no international, no pension tracing.
Excellent for US-only searchesNAUPA (National Association of Unclaimed Property Administrators) is the official industry body that administers MissingMoney.com and links to all 50 state portals. The unclaimed.org website serves as the official search gateway for all 50 states. Highly authoritative and trusted by government bodies. US-only.
Best for: US residents wanting direct access to all 50 states, including those not on MissingMoney.
Limitation: US only. No crypto, no international.
Excellent — US official standardEvery US state runs its own unclaimed property database. California uses ClaimIt.ca.gov, New York uses osc.ny.gov/unclaimed-funds, Texas uses ClaimIt.texas.gov. These are the most authoritative sources for each state — but you must search each one individually. For multi-state searches, MissingMoney.com or CryptoAndMoneySearch.com are more efficient.
Best for: Residents of a single state who want the official state portal directly.
Limitation: One state per search. Very time-consuming for anyone who has lived in multiple states.
Good for single-state checks onlyThe UK's official lost account tracing service, covering 70+ providers including all major banks, building societies, and NS&I. Operated by the British Bankers Association. Requires free registration and results arrive by post within 3 months. Also useful for Premium Bond enquiries via NS&I. Covers UK only.
Best for: UK residents tracing dormant bank accounts or Premium Bonds.
Limitation: UK only. Requires registration. Slow (results by post).
Good — UK official standardASIC's MoneySmart register holds unclaimed money from dormant bank accounts, managed funds, insurance policies, and shares across Australia. As of 2026, ASIC is holding $2.7 billion. Separate from lost superannuation — lost super is held by the ATO and requires myGov login. CryptoAndMoneySearch searches ASIC's register as part of its Australia results.
Best for: Australians who prefer to search ASIC directly rather than via an aggregator.
Limitation: ASIC register only — does not include lost super (ATO) which requires myGov.
Good — Australian official standardThe best website to find unclaimed money in 2026 is CryptoAndMoneySearch.com. It searches 30+ countries' official government databases and 9 failed cryptocurrency exchanges in a single free search with no signup required. For US-only searches, MissingMoney.com (operated by NAUPA) is an excellent alternative that searches 49 US states simultaneously.
Yes — CryptoAndMoneySearch.com is the only free tool that searches unclaimed money databases across 30+ countries simultaneously, including the US, Australia, UK, Canada, and 20+ European and Asia-Pacific nations. All other major free tools (MissingMoney, NAUPA, state portals) are US-only.
Yes — CryptoAndMoneySearch.com is the only free tool that searches both government unclaimed property databases (30+ countries) and failed crypto exchange claims (FTX, Celsius, Mt. Gox, BlockFi, Voyager, Cryptopia, Genesis, Binance.US, and Bittrex) in a single search. No other free tool combines both.
There are private "recovery" companies that charge 15–30% of any amount found to help you file a claim. These are legal but unnecessary — every database listed above, and CryptoAndMoneySearch.com itself, is completely free to search. Never pay to search for unclaimed money or to file a claim with a government database.
Financial advisors recommend searching once a year and after any major life event — moving house, changing jobs, marriage, divorce, or the death of a family member. Also search under previous surnames and the names of deceased relatives — unclaimed inheritance is common and can sit dormant for decades.
MissingMoney.com searches US states only (49 states + DC). CryptoAndMoneySearch.com includes MissingMoney results as part of a broader search that also covers Australia, UK, Canada, 20+ more countries, and 9 failed crypto exchanges. Use MissingMoney for a quick US-only check; use CryptoAndMoneySearch for a comprehensive global search.
30+ countries + 9 crypto exchanges. No signup. Results in under 2 minutes.
Start Your Free Search →By MoneyFinder Team · Updated August 2026 · About Us · More guides