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Find Your Unclaimed Money in the Philippines

Philippine banks transfer dormant accounts after 10 years to BSP under Republic Act 3936. Here's how to search for unclaimed funds in the Philippines free.

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Estimated Dormant
10 yrs
Dormancy Period
BSP
Regulator
RA 3936
Governing Law

Unclaimed Money in Philippines

The Philippines has a structured dormant accounts law under Republic Act 3936 (as amended by Presidential Decree 679). Bank accounts that have been dormant for 10 years are reported to and may be transferred to the Bangko Sentral ng Pilipinas (BSP). BSP then holds these funds available for claim by rightful owners.

The BSP does not currently operate a single public search portal, but dormant account procedures are well-established. The major Philippine banks — BDO, BPI, Metrobank, Security Bank, and PNB — all have dormant account processes and can be contacted directly.

How to Search Philippine Dormant Accounts

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BDO Unibank

The Philippines' largest bank by assets. BDO has a formal dormant account reactivation process. Contact via bdo.com.ph or any BDO branch with valid government-issued ID.

✓ Largest Philippine bank
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Bank of the Philippine Islands (BPI)

One of the oldest and largest Philippine banks. BPI accepts written dormant account enquiries. Contact via bpi.com.ph.

✓ Major private bank
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Metrobank & PNB

Metropolitan Bank and Trust Company and Philippine National Bank are both major banks. PNB has government links and holds many legacy accounts.

✓ PNB holds legacy government accounts
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BSP Consumer Assistance

The BSP Consumer Assistance Mechanism can direct you to the right bank. Contact via bsp.gov.ph/consumer or the BSP helpline 1-800-1-888-BSPC (2772).

✓ BSP helpline for guidance

Required Documentation

To claim a dormant Philippine bank account, you will need: a valid government-issued photo ID (passport, SSS, GSIS, or PhilHealth ID), your Tax Identification Number (TIN), proof of last known address, and for estate claims, a court-issued Letters Testamentary or Letters of Administration.

The Philippine TIN (Tax Identification Number from BIR) is commonly linked to bank accounts, though not mandatory for all legacy accounts. Providing the account number, last known balance, or any old passbooks or statements will significantly assist the search.

Does the BSP have a public search portal for dormant accounts?
The BSP does not currently operate a public-facing central search portal. Dormant account searches must be directed to individual banks. The BSP Consumer Assistance (bsp.gov.ph) can provide guidance.
What is Republic Act 3936?
RA 3936 (Unclaimed Balances Act), amended by Presidential Decree 679, requires all banks to publish annual sworn statements of dormant accounts in a newspaper of general circulation. It also allows the Treasurer of the Philippines to escheat (take ownership of) dormant accounts after a defined period.
What about SSS and GSIS claims?
Social Security System (SSS) and Government Service Insurance System (GSIS) benefits are separate from bank dormant accounts. Unclaimed SSS/GSIS benefits can be searched at sss.gov.ph and gsis.gov.ph respectively.
Can overseas Filipino workers (OFWs) claim dormant accounts?
Yes. OFWs can appoint a Special Power of Attorney (SPA) to a representative in the Philippines to process the claim on their behalf. The SPA must be notarised and authenticated (apostilled) by the Philippine consulate in the country where the OFW resides.

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