You ever stumble upon a bit of cash you forgot existed, like a long-forgotten note tucked away in the back of your wallet or that maybe-obsolete savings account? You know, it’s great finding a random pile of spare change — but what if it was hundreds, thousands of ringgit that were there waiting to be claimed? In Malaysia, there are billions of ringgit of unclaimed money sitting around waiting for an owner, and you could be entitled to some of it. It’s easier than ever to claim unclaimed money, with portals like eGUMIS — but many people don’t even know how to check or claim it.
In this guide, you will learn all about unclaimed money in Malaysia, including how to check and claim it online through eGUMIS unclaimed money portal. We also include some tips on how to get your unclaimed money when you found it in one of your claims research.
Understanding Unclaimed Money
Unclaimed money refers to money owed to people that is never claimed due to such reasons as money from insurance payments, unpaid wages, or dormant bank accounts. In Malaysia, unclaimed money falls under the jurisdiction of the Accountant General’s Department, and the total amount of unclaimed money in Malaysia in April 2025 was RM13.3 billion.
Types of Unclaimed Money
Unclaimed money comes in different forms. The more you understand about these forms, the better you will be at identifying if you have unclaimed money owing to you. There are three types of unclaimed money according to the Accountant General’s Department:
- Unclaimed money- Unpaid Funds (over 1 year old) if you haven’t cashed in your unpaid salary, bonus, insurance claims or dividends, they could be deemed unclaimed money.
- Vacant bank bank accounts (over 7 years old) not used your savings or current account in years? Your funds may be deemed to be unclaimed money.
- 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.
The Unclaimed Moneys (Amendment) Bill 2024 reduces the time limit for claiming unclaimed money from 15 years to 10 years and provides that after that money will go to revenue.
How to Check for Unclaimed Money Online
Finding out if you have unclaimed money has never been easier with the launch of eGUMIS unclaimed money portal. In the past, you would have to go to a counter or submit 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 is how.
Register and Create an Account
- Visit the eGUMIS Portal: navigate your way to our official eGUMIS claim money website.
- Sign Up: register for an account
- Complete your profile: Fill out your profile after you sign up. Be sure to input your updated information, such as your ID number.
Once your profile is up to date, you can start checking for any money that might be owed to you.
How to Look for Unclaimed Money
- Search by IC Number: Search for unclaimed money beneath your IC number. If you have more than one IC number, you can check up to two a day.
- Claim your find: There may be an unclaimed sum associated with your number. If there is, it will appear on the screen, and then you can follow through with your claim.
- Proceed to Application: Once you have located your unclaimed funds, click on “Proceed to Application” button.
Steps to Claim Your Unclaimed Money
Once you’ve discovered that you have unclaimed money, your next step is claiming a refund. How to claim unclaimed money in Malaysia is not complicated, but you do need to follow a few steps carefully to ensure your application gets through without problems.
Uploading of Documents
When applying for a refund, you will be asked to upload the following documents:
- Identification Proof: a copy of your IC, passport or other valid identification.
- Your Bank Account Statement: This is for them to know where to send the refund. You won’t be able to claim a refund without it.
- Other Documents: If you’re claiming funds belonging to someone else (like your spouse or parent), they’ll ordinarily need to upload documents like a birth certificate or marriage certificates.
Once you’ve uploaded these documents, click “Next” to proceed with your application.
Submitting Your Application
Once you’ve uploaded your documents, review everything before submitting. If everything looks good, hit the submit button and you’ll receive a notification from the system that your claim was submitted successfully.
Common Issues in the Claim Process
While this is an easy process, there are a few common issues that individuals run into when applying for their unclaimed money check. Being mindful of these issues can save you a delay in receiving your refund.
1. Incorrect or Missing Documents
- Make sure all necessary documents are uploaded correctly. Missing or wrong documents can cause delays or even result in your claim being disapproved.
2. Multiple Claims
- If you’re checking for multiple IC numbers, remember you can only check two numbers a day. If you try to check more, you’ll have to wait for the next day.
3. System Errors
- Once in a while, the eGUMIS website may be down and unable to respond. If that happens, be sure to try later.
What to do if your claim is rejected?
If your eGUMIS claim money application gets rejected, don’t panic. Here are steps you can take to resolve the issue:
1. Check for missing information
- If your claim is rejected, it might be because you didn’t provide all the necessary documents or submitted the wrong 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 reach out to eGUMIS customer support for assistance. They will help guide you through the process and ensure that your claim is back on track.
3. Reapply
- If your application was rejected due to an error in the system or other technical issues, try resubmitting your claim after fixing the problem.
Additional Resources and Tips for Claiming Unclaimed Money
Here’s some additional advice and resources that will help your search or claim attempt easier and more successful:
1. Keep Your Documents Handy
- Get your documents ready before you start the claim process to avoid complications.
2. Check for Unclaimed EPF Monies
- Another place to check is with the Employees Provident Fund (EPF) who also manages a list of unclaimed savings. EPF members can check for unclaimed EPF monies on the eGUMIS portal using your IC or EPF number.
3. Stay Updated
- Always check back for updates on your claim status. You’ll be notified by email when your claim is successful and the cash will be applied to your bank account in under 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, it is easy to reclaim your unclaimed money in Malaysia. Simply access the eGUMIS unclaimed money portal to check if you have any unclaimed funds and follow the simple instructions to get them. Be it a forgotten savings account, unpaid wages, insurance claims, there is a high chance that you may be entitled to receive money that awaits acknowledgement and acceptance.
And remember, this is just one of countless ways that you could claim your money, including unclaimed money tied to your loans, savings and beyond, including your cash loans! Always be vigilant with your accounts and you could just find a nice surprise!
FAQ
What types of unclaimed money can I search for?
For example, you could search for unpaid money such as salary and bonus or unclaimed insurance claims dating back over a year, or dormant bank account funds or trade account balances that had gone untouched for a specified period of time.
How long does it take to receive my unclaimed money after I’ve lodged my claim?
Your unclaimed money will appear in your bank account within 30 working days of receipt of your notification of an approved claim.
What documents do I need to upload to claim my unclaimed money?
You’ll be required to upload a copy of your IC, passport, or another form of identification alongside your active bank account statement and if you’re claiming for someone else, a birth or marriage certificate may also be needed.