Unclaimed Money in Malaysia
Malaysia has one of the most user-friendly unclaimed money systems in Asia. The Accountant General's Department (JANM) operates the eGUMIS portal at egumis.anm.gov.my, which consolidates unclaimed financial assets from banks, insurance companies, and other regulated financial institutions.
Under the Unclaimed Moneys Act 1965 (UMA), money that has been dormant for 7 years must be surrendered to the Registrar of Unclaimed Moneys (who is the Secretary General of the Treasury). As of 2025, over RM 13.3 billion in unclaimed financial assets has been surrendered, with more added each year.
How to Use eGUMIS
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egumis.anm.gov.my
Malaysia's official unclaimed money portal. Search by IC number (MyKad), passport number, or company registration number. Login via MyGovID or national ID required for full claim. Results are immediate.
✓ Primary portal — no login needed to search
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Malaysian Banks
Maybank, CIMB, Public Bank, RHB, Hong Leong, and AmBank are the largest Malaysian banks. Accounts dormant for 7 years are surrendered to the Registrar of Unclaimed Moneys (AGD/Treasury). Contact banks directly for accounts under 7 years.
✓ All major banks integrated
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Insurance & Takaful
Unclaimed life insurance and takaful (Islamic insurance) proceeds are also on eGUMIS. Search by the insured's IC number. Prudential, Great Eastern, AIA, and Takaful Malaysia are major providers.
✓ Insurance included in portal
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EPF (Kwasa Simpanan)
Unclaimed EPF (Employees Provident Fund / KWSP) balances are handled separately at i-Akaun (kwsp.gov.my). Log in with your IC number to check.
✓ EPF handled separately at KWSP
Claiming via eGUMIS
To claim via eGUMIS, you will need: your MyKad (Malaysian National ID) number, a MyKad or passport for identity verification, and (for insurance claims) supporting policy documents. Claims can be submitted online with digital copies of documents.
For deceased estates, the legal representative (executor or administrator) can claim using a Grant of Probate or Letter of Administration from the Malaysian courts, along with the MyKad of the deceased and their death certificate. Claims are typically processed within 30 days.
How do I search eGUMIS?
Go to egumis.anm.gov.my and click 'Search for Unclaimed Moneys'. Enter your IC number (for individuals) or company registration number (for businesses). Results appear immediately showing any unclaimed amounts registered in your name.
How much unclaimed money is in Malaysia?
As of 2025, over RM 13.3 billion in unclaimed financial assets has been surrendered to the Registrar of Unclaimed Moneys under the Registrar of Unclaimed Moneys. This includes bank deposits, insurance proceeds, dividends, and other financial assets.
What is the dormancy period in Malaysia?
Under the Unclaimed Moneys Act 1965, money that has been dormant for 7 years must be surrendered to the Registrar. This applies to bank accounts, fixed deposits, insurance proceeds, dividends, and other financial assets.
Can foreigners claim Malaysian unclaimed money?
Yes. Former residents or foreign nationals who had Malaysian accounts can search eGUMIS using their passport number. Claims by foreigners follow the same process as Malaysian citizens.
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Frequently Asked Questions About Unclaimed Money in Malaysia
What is Malaysia's eGUMIS system and how does it work?
eGUMIS (Electronic Government Unclaimed Moneys Information System) is the official online portal run by Malaysia's Registrar of Unclaimed Moneys (Pendaftar Wang Tak Dituntut) under the Ministry of Finance. It allows anyone to search for unclaimed money registered under their name or the name of a deceased relative. Under Malaysia's Unclaimed Moneys Act 1965, companies, banks, insurance companies, and other entities must report and hand over money that has been unclaimed for more than one year (for most categories) or seven years (for dividends and other specific types). You can search and submit claims for free at myeg.com.my or through the eGUMIS portal at ugm.gov.my.
How do I claim my EPF (KWSP) if I've lost track of my account?
Malaysia's Employees Provident Fund (EPF / Kumpulan Wang Simpanan Pekerja — KWSP) is a separate system from the general unclaimed moneys register. If you have an EPF account but have lost track of it — particularly if you worked in Malaysia temporarily or changed employers without updating your details — contact EPF directly at kwsp.gov.my or visit any EPF branch. You will need your Malaysian identification number (MyKad number) or your foreign national registration number if you are a foreign worker. EPF also allows online checking through their i-Account portal for registered users.
Can foreigners claim unclaimed money in Malaysia?
Yes. Foreign nationals who previously worked or did business in Malaysia and have unclaimed money registered in their name can submit claims through the eGUMIS system. You will need your passport number or your former Malaysian work permit / employment pass number. Claims can be submitted online or in person at Jabatan Akauntan Negara Malaysia (JANM) offices. Overseas claimants may need to submit certified copies of identity documents and, for estate claims, officially apostilled inheritance documents. Payment can be made to a foreign bank account.
What types of money are most commonly found in the Malaysian unclaimed system?
The most common types of unclaimed money in Malaysia's eGUMIS system include uncashed dividend cheques from publicly listed companies, insurance policy proceeds and refunds, bank account balances from dormant accounts, deposits from utility companies and telecommunications providers, salary or wages left uncollected from former employers, and proceeds from investment funds or unit trusts. Dividends from shares in Malaysian public companies are particularly common because shareholders who moved address without notifying their company registrar may have missed years of dividend payments.