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Find Your Unclaimed Money in the Czech Republic

Czech banks are required to maintain dormant accounts and report them to the Czech National Bank (CNB). Here's how to search for unclaimed funds in the Czech Republic free.

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Unclaimed Money in Czech Republic

The Czech Republic does not have a central unclaimed money portal, but Czech banks are regulated by the Czech National Bank (Česká národní banka / CNB) and required to maintain dormant accounts. The Czech Banking Act (Zákon o bankách) establishes obligations for banks to attempt contact with inactive account holders.

The Czech Republic has a significant amount of unclaimed assets tied to the privatisation process of the 1990s, including unclaimed investment vouchers (kupony) from the voucher privatisation programme. These may have converted to shares in Czech companies that remain unclaimed.

How to Search Czech Dormant Accounts

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Česká spořitelna

Part of the Erste Group. The largest Czech bank by retail deposits. Traces back to the state savings bank era. Contact via csas.cz.

✓ Largest Czech retail bank
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ČSOB & KB

Československá obchodní banka (ČSOB, owned by KBC) and Komerční banka (KB, owned by Société Générale) are the other major banks. Both accept dormant account enquiries.

✓ Major commercial banks
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Voucher Privatisation

Millions of Czechs received investment vouchers in 1992–1994. Many were never cashed. The Czech Securities Depository (CDCP) at cdcp.cz can help trace unclaimed securities.

✓ Check for privatisation vouchers
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Czech Insurance

Life insurance held by Česká pojišťovna, Kooperativa, or Allianz Czech. Contact the Czech Insurance Association (ČAP) at cap.cz for unclaimed insurance guidance.

✓ Insurance handled separately

Czech Identification

Czech citizens are identified by their rodné číslo (birth number) — a 9 or 10-digit identifier that functions as a national ID number. All Czech bank accounts are linked to the account holder's rodné číslo, making it the most efficient search tool.

For deceased estates, a usnesení o dědictví (court inheritance decision) from the notary acting as estate commissioner is required. Czech probate is handled by notaries appointed by the district court.

Does Czech Republic have a central unclaimed money database?
There is no public central portal. Enquiries must be made to individual banks or the CNB for regulatory guidance. The CNB consumer helpline at cnb.cz can advise on the process.
What about communist-era Czech accounts?
Accounts from before 1989 may be held by successor banks. Česká spořitelna is the main successor to the state savings network. Old savings books (vkladní knížky) from the communist era may still have valid balances.
What happened to voucher privatisation shares?
Unclaimed voucher privatisation investment fund units converted to shares. The Czech Securities Depository (CDCP) can be searched for unclaimed securities in your name.
How long does a Czech claim take?
Once a bank confirms a dormant account, the claim process is managed directly with the bank. Czech banks typically respond to written enquiries within 30 days.

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