Somewhere in a government register there may be a dormant savings account, an uncashed bank draft, or an insurance payout with your name on it — and the only reason you have not collected it is that nobody is going to call you about it. As of January 2026, Malaysia's Accountant General's Department (JANM) has recorded more than RM13 billion in unclaimed money, with around RM7 billion still sitting in the Unclaimed Money Trust Account.
Checking is free, takes minutes, and needs nothing more than your IC number. This is how it works end to end.
What counts as unclaimed money
Under the Unclaimed Moneys Act 1965, companies and firms must surrender certain dormant money to the Registrar of Unclaimed Moneys — dormant savings, current and fixed deposit accounts; uncashed banker's cheques, bank drafts and cashier's orders; insurance proceeds; unpaid salaries, dividends, deposits and collateral; trading account balances and estate money.
If it was money owed to you by a company that then lost track of you, it likely ended up here.
Important caveat: eGUMIS only holds records that entities have actually surrendered. Money still sitting with your bank or insurer will not appear. That is a different chase.
Step 1 — Search using your IC number
Go to the eGUMIS portal. On the homepage, click "CLICK HERE TO SEARCH UNCLAIMED MONEY".
Enter your identification number — individuals search by IC, companies and firms by registration number. If anything comes up, print or save the record. You will need it.
The search does not require an account. Registration only matters when you want to file a claim.
Step 2 — Register an eGUMIS account
If you found a record, register as a refund user via the registration link on the portal. Two account rules catch people out:
- If you do not log in within 30 days of receiving your password, the account is automatically deactivated.
- Accounts go dormant after 6 months without a login, and you will have to sign up again.
If the password email does not arrive, check junk mail first, then use "Forgot Password". If you typed the wrong email or IC number at registration, you cannot fix it yourself — file it through Contact Us → Complaint/Feedback.
Step 3 — Select the records and add a recipient
Log in, tick the records you want to claim, and select "Continue With Application". Click "Add Recipient", tick the box to copy your own details across if you are the recipient, enter banking information, and save.
The bank account rules are strict:
- It must be a savings or current account in the applicant's own name
- Tabung Haji, investment, loan and e-wallet accounts are not accepted
- The name on the account must match the identification document
Payment is credited directly. There is no cheque option for a standard individual claim.
Step 4 — Upload the supporting documents
This is where most applications stall. For an individual claiming savings, insurance, salary, dividends, deposits or similar, the mandatory set is:
- Form UMA-7, completed and signed (downloadable from the portal's Download tab)
- Copy of your IC, front and back
- Copy of the front page of your bank passbook or a bank statement — clear, complete, showing your full name, account number and bank name
- An original confirmation letter from the company or firm that surrendered the money, if the record details do not match your identity document
Handwritten bank details without a bank confirmation stamp are not accepted. If you have no passbook or valid statement, ask your bank for an active account confirmation letter.
The 7-day rule: where an ORIGINAL document is required, it must reach the Registrar by counter or registered post within 7 working days of submitting the online application. Miss that window and the claim stalls.
Step 5 — Submit and track the status
Tick the acknowledgement and terms box, click Submit, confirm Yes.
Then watch the Summary / Application List tab. There are eight statuses:
| Status | What it means |
|---|---|
| DRAFT | Not yet submitted |
| FIRST VERIFICATION OF DOCUMENTS | Submitted, in first review |
| FIRST QUERIES OF DOCUMENTS | Queried — documents need fixing |
| SECOND VERIFICATION OF DOCUMENTS | In second review |
| SECOND QUERIES DOCUMENT | Queried again |
| NEW | Verified, sent for payment |
| DONE | Paid |
| APPLICATION INQUIRY | Rejected |
Timing rules that matter: a draft is deleted after 7 days if not submitted, an application sitting in document query status is kept for 3 months, and completed applications stay visible for 2 years.
Once verification succeeds, the notification states payment will be credited within 30 working days. If you get a query, click Update Documents, delete the flagged file, re-upload the correct one, and resubmit.
Claiming on behalf of someone who has died
Heirs and administrators can claim, with a heavier document set:
- UMA-7 signed by the heir or administrator
- Copy of the heir's or administrator's identification document
- Bank account details in the heir's or administrator's name
- Copy of the death certificate
- Letter of administration or grant of probate from the High Court, the relevant authority, the District Office in Sabah or Sarawak, JKPTG, or Amanah Raya Berhad — and it must list the unclaimed money in the property schedule
Two things JANM flags specifically: a Faraid certificate is not a letter of administration, and foreign court orders must be registered and sealed at the Malayan High Court first.
Three things worth knowing before you start
There are no agents. The Registrar and the Ministry of Finance have never appointed any individual or company to manage unclaimed money claims. If someone contacts you offering to "recover" your money for a cut, they are not authorised — most likely they pulled your name from old gazetted records, a practice JANM notes ended when gazetting was abolished in 2024. If in doubt, run the account or number through Semak Mule first.
No charges, no minimum, no deadline. The Registrar imposes no fee, sets no minimum claimable amount, and places no time limit on claims by the rightful owner.
No interest is paid. Under Section 11(3) of the Act, you receive the amount that was surrendered — nothing accrues while it sits with the Registrar. A sum parked since 2011 comes back at its 2011 value in ringgit terms, which is a quiet argument for checking sooner rather than later.
Where to send physical documents
Originals go to the Registrar's office in Putrajaya, or any JANM state or branch office. The mailing address is Blok Utara, Perbendaharaan 2, Kompleks Kementerian Kewangan, Presint 2, 62594 Putrajaya — but the walk-in counter is in Blok Selatan, a detail that sends people to the wrong building.
Counter hours are Monday to Thursday 8.30am–5.00pm (closed 1.00–2.00pm) and Friday 8.30am–5.00pm (closed 12.15–2.45pm). For claim enquiries, JANM lists [email protected] and the line 03-8000 8600.
While you are in admin mode, your KWSP nominee details are worth checking in the same sitting.
FAQ
Is checking unclaimed money on eGUMIS free?
Yes. Searching is free and requires only your identification number, and the Registrar imposes no charge on claim applications.
How long does an eGUMIS claim take to pay out?
Once document verification succeeds, the notification states payment will be credited to your account within 30 working days. Queried documents extend this, since each query restarts part of the review.
Is there a minimum amount, a deadline, or any interest?
No minimum and no deadline — the rightful owner can claim at any time. But no interest either: under Section 11(3) of the Act, payment is based on the amount surrendered, with nothing accruing while it sits with the Registrar.
My money should be there but nothing shows in the search. What now?
eGUMIS only contains records entities have actually surrendered. Go back to the bank, insurer or company involved and confirm whether they surrendered it. You can also check at the Registrar's office or a JANM branch, bringing an original confirmation letter proving the money exists.
Can someone else claim on my behalf?
Only in defined circumstances — an appointed estate administrator, a liquidator for a company being wound up, or a party named in a court order. Commercial "recovery agents" are not appointed by the Registrar or the Ministry of Finance.
