[Step by Step] How to Claim Your Unclaimed Money in Malaysia
KUALA LUMPUR, March 5 — The Accountant-General’s Department (AGD) reported a staggering RM12.7 billion in unclaimed money as of January 31, 2024, according to the Ministry of Finance (MOF).
Back in 2019, the AGD announced plans to develop an online system to help Malaysians check and claim their unclaimed money. Today, this system is fully operational, making the process easier than ever.
What is Unclaimed Money?
Unclaimed money refers to funds or assets that have been abandoned, forgotten, or left inactive for a certain period. This includes:
1. Money Unpaid for at Least 1 Year
- Salaries, bonuses, commissions
- Dividends, profits, or insurance claims
- Expired bank drafts or cashier’s orders
- Matured fixed deposits (without auto-renewal)
- Tender deposits (after fulfilling their purpose)
2. Dormant Accounts (Inactive for 7+ Years)
- Savings accounts
- Current accounts
- Fixed deposits (with auto-renewal)
3. Inactive Trade Accounts (Dormant for 2+ Years)
- Trade creditors/debtors with credit balances
How to Check & Claim Your Unclaimed Money Online
Step 1: Register on eGUMIS
Visit the official eGUMIS portal and click “Registration” to create an account.
Step 2: Search Using Your IC Number
After logging in, click “Search for Unclaimed Moneys” and enter your IC details. The system will display any unclaimed funds linked to your name.
Step 3: Submit a Refund Application
If unclaimed money is found, click “Proceed to Application” and fill in:
- Payee details (your name & bank account info)
- Supporting documents (IC, bank statement, etc.)
Step 4: Upload Required Documents
Prepare and upload:
✅ Copy of IC or passport
✅ Bank statement (for refund processing)
✅ Additional documents (if claiming for a deceased relative)
Step 5: Wait for Approval & Refund
Once submitted, check your application status via eGUMIS. If approved, the refund will be credited to your bank account within 30 days.
Unclaimed Money FAQs
1. How much unclaimed money is there in Malaysia?
As of 2024, the total stands at RM12.7 billion.
2. Who manages unclaimed money in Malaysia?
The Accountant General’s Department (AGD) under the Ministry of Finance.
3. What documents are needed to claim?
- IC/passport copy
- Bank statement
- Proof of ownership (if applicable)
- Legal documents (if claiming for a deceased person)
4. How to avoid eGUMIS scams?
⚠️ Only use the official website: https://egumis.anm.gov.my/
⚠️ Beware of fake websites or phishing attempts.
Conclusion
With billions still unclaimed, you could be sitting on money you didn’t know you had! Follow these simple steps to check and claim yours today.
🔗 Start your claim now: https://egumis.anm.gov.my/
Have you checked for unclaimed money? Share your experience in the comments!
Important: The information and opinions in this article are for general information purposes only. They should not be relied on as professional financial advice. Readers should seek independent financial advice that is customised to their specific financial objectives, situations & needs.
Published By:
Jacky Tan 陈奕綸
As a Licensed Financial Planner, Chartered Wealth Advisor (CWA®), and Shariah Registered Financial Planner (Shariah RFP), I bring over 20 years of expertise navigating complex wealth journeys for high-net-worth individuals, families, and business owners across Malaysia.
Regulated by Bank Negara Malaysia (BNM) and the Securities Commission Malaysia (SC), my practice moves beyond transactional product sales. I design holistic, multi-dimensional financial strategies that integrate conventional and Shariah-compliant frameworks across three key pillars:
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Key Practice Highlights:
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