How to Check and Claim Unclaimed Money

Have you ever come across cash you forgot about, like a long-lost note hidden in the back of your wallet or a forgotten savings account? While finding pocket change is always a pleasant surprise, what if you had hundreds or even thousands of ringgit just waiting to be claimed? In Malaysia, billions of ringgit in unclaimed money are sitting idle, and you might be entitled to some of it. The process of claiming unclaimed money is easier than ever with online platforms like eGUMIS, but many people still don't know how to check or claim their funds.

In this guide, we’ll walk you through everything you need to know about unclaimed money in Malaysia, including how to check and claim it online using eGUMIS unclaimed money portal. We’ll also offer some practical tips and advice to help you get your hands on what’s rightfully yours.

Understanding Unclaimed Money

Unclaimed money refers to funds that are owed to individuals but remain unclaimed for various reasons. These funds could come from insurance payouts, unpaid wages, dormant bank accounts, or other sources. In Malaysia, the Accountant General’s Department oversees the management of unclaimed money. As of April 2025, the total unclaimed money in Malaysia amounted to a staggering RM13.3 billion.

Types of Unclaimed Money

Unclaimed money comes in different forms, and understanding the types can help you identify whether you might have any unclaimed funds. The Accountant General’s Department categorizes unclaimed money into three main types:

1. Unpaid Funds (at least 1 year old): This includes unpaid salaries, bonuses, insurance claims, or dividends that have been left uncollected.
2. Dormant Bank Accounts (at least 7 years old): If you haven’t used a savings or current account in years, the funds might be classified as unclaimed money.
3. Trade Account Funds (at least 2 years old): This applies to trade accounts that have been dormant for over two years, including trade creditors and debtors accounts with credit balances.

It’s important to note that the Unclaimed Moneys (Amendment) Bill 2024 reduced the period for claiming unclaimed money from 15 years to 10 years. After this time, the money is transferred to government revenue.

How to Check for Unclaimed Money Online

The process of checking for unclaimed money has become simpler with the launch of the eGUMIS unclaimed money portal. In the past, you had to visit a physical counter or send an application by email to the Accountant General’s Department. But now, you can check unclaimed money in Malaysia from the comfort of your home. Here’s how to do it:

Registering and Creating an Account

1. Go to the eGUMIS Portal: Visit the official eGUMIS claim money website.
2. Sign Up: Create an account by registering with your personal details.
3. Complete Your Profile: After registering, you’ll need to fill in your personal profile. Make sure to include up-to-date information such as your identification number.

Once your profile is updated, you can start searching for any unclaimed monies linked to your name.

Checking for Unclaimed Money

1. Search Using Your IC Number: You can search for unclaimed money by entering your identification card (IC) number. If you have multiple IC numbers, you can check a maximum of two per day.
2. View Results: If there’s any unclaimed money associated with your number, it will appear on the screen. From there, you can proceed with your claim.
3. Proceed to Application: Once you find unclaimed funds, click on the “Proceed to Application” button to start the claim process.

Steps to Claim Your Unclaimed Money

Once you’ve confirmed that you have unclaimed money, the next step is to apply for a refund. How to claim unclaimed money in Malaysia is simple, but you’ll need to follow a few steps carefully to ensure that your application is processed smoothly.

Uploading Required Documents

When you apply for a refund, you’ll be asked to upload the following documents:

1. Identification Proof: You’ll need a copy of your IC, passport, or another valid form of identification.
2. Bank Account Statement: Upload a recent statement from your active bank account. This ensures that the refund is credited to the correct account.
3. Additional Documents: If you’re claiming funds on behalf of someone else, such as a spouse or parent, you may need to upload documents like a birth certificate or marriage certificate.

Once you’ve uploaded these documents, click “Next” to proceed with your application.

Submitting Your Application

After uploading the required documents, review all the information you’ve entered. When everything looks good, submit your application. The system will send you a notification confirming that your claim has been submitted successfully.

Common Issues in the Claim Process

Although the process is straightforward, there are a few common issues that people may encounter when applying for unclaimed money check. Being aware of these issues can help you avoid delays in the refund process.

1. Incorrect or Missing Documents

• Ensure that all required documents are uploaded correctly. Missing or incorrect documents can cause delays, or worse, result in your claim being rejected.

2. Multiple Claims

• If you’re checking for multiple IC numbers, remember that you can only check two numbers per day. If you try to check more, you’ll have to wait until the next day.

3. System Errors

• Occasionally, the eGUMIS portal may experience system downtime or technical issues. If you encounter this, try again later.

What to Do If Your Claim Is Rejected

If your eGUMIS claim money application is rejected, don’t worry. There are steps you can take to resolve the issue:

1. Check for Missing Information

• If you receive a rejection notice, it may be due to missing or incorrect documents. Log back into the portal and re-upload the necessary documents.

2. Contact Customer Support

• If you can’t resolve the issue on your own, you can contact eGUMIS customer support for assistance. They will guide you through the process and help you get your claim back on track.

3. Reapply

• If your application was rejected due to an error in the system or other technical issues, try submitting your claim again after fixing the problem.

Additional Resources and Tips for Claiming Unclaimed Money

Here are some additional tips and resources to make your unclaimed money claim process easier and more effective:

1. Keep Your Documents Ready

• Before you start the claim process, make sure you have all your documents ready to avoid delays.

2. Check for Unclaimed EPF Monies

• Don’t forget that the Employees Provident Fund (EPF) also handles unclaimed savings. If you’re a member, you can check for unclaimed EPF monies using your IC or EPF number on the eGUMIS portal.

3. Stay Updated

• Be sure to check back regularly for updates on your claim status. Once your claim is successful, you’ll receive an email notification, and the funds will be credited to your bank account within 30 working days.

4. Avoid Common Mistakes

• Make sure your bank account details match the information on your documents to avoid issues with the transfer of funds.

In conclusion, reclaiming your unclaimed money in Malaysia doesn’t have to be a difficult or time-consuming process. By using the eGUMIS unclaimed money portal, you can easily check if you have any unclaimed funds and follow the simple steps to claim them. Whether it’s a forgotten savings account, unpaid wages, or insurance claims, there’s a chance you might be entitled to money that’s waiting to be claimed. So, don’t let it slip through your fingers—take a few minutes today to see if you have any unclaimed monies waiting for you.

And remember, this is just one of many opportunities to reclaim money you may have forgotten about, including potential unclaimed funds tied to loans, savings, and even investments like cash loans. Always stay proactive about checking your financial accounts, and you could be in for a nice surprise!

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