How to Check for Unclaimed Money in Malaysia
Billions of ringgit sit unclaimed in Malaysia — money that belongs to real families who simply don't know it exists. Bank accounts that went dormant. Insurance payouts that were never collected. Dividends, deposits, and refunds that no one came to claim.
eGUMIS is the government system that holds all of it. And if your loved one had money sitting there, you can find it.
What is eGUMIS?
eGUMIS stands for Electronic Government Unclaimed Money Information System. It is operated by the Accountant General's Department of Malaysia (JANM) under the Ministry of Finance and governed by the Unclaimed Moneys Act 1965.
In simple terms: when money in a bank account, insurance policy or other financial account goes unclaimed for a set period of time, the institution is legally required to hand it over to the government. eGUMIS is where that money is held — and where you can search for it and claim it back.
Crucially, eGUMIS covers both living individuals and deceased persons. If your loved one had unclaimed money when they passed away, it is still there and it can still be claimed.
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What types of money are covered
eGUMIS holds a wide range of unclaimed funds, including:
What eGUMIS does not cover: EPF and KWSP, SOCSO, Tabung Haji, cooperative society funds or civil service pensions. These are governed by separate schemes with their own processes.
How to search
The eGUMIS portal is at egumis.anm.gov.my and is also available as a mobile app.
Anyone can do a quick check on the landing page without logging in — enter a MyKad number and it will tell you whether any records exist. However, to see the full details — the amount, the source institution, the reference number — you need to register for a free account.
To search for a deceased loved one's unclaimed money, simply enter their MyKad number into your registered eGUMIS account. Each account is limited to 2 searches per day.
What to do if you find something
If you find unclaimed money belonging to your loved one, the claim process requires formal estate administration documents. A surviving spouse, child or next-of-kin cannot claim simply by showing proof of relationship — you will need either a Grant of Probate, Letters of Administration, a Distribution Order from the Land Office, or an Amanah Raya declaration, depending on the route your family takes.
The claim itself is submitted through the eGUMIS portal and is completely free. JANM does not appoint any third-party agents or brokers — if anyone charges you to make a claim on your behalf, they are not acting on JANM's behalf.
Once all documents are verified, funds are transferred directly to the executor or administrator's bank account within approximately 30 working days.
There is no deadline
There is no expiry date on unclaimed money held by eGUMIS. The rightful owner or their legal representative can claim at any time, even years after the funds were surrendered. The money does not disappear.
Frequently Asked Questions
Can I search eGUMIS for free?
Yes. Searching is completely free. Registration is required to see the full details of any records found. Claiming is also free — JANM does not charge any fees.
What if the amount shown is different from what I expected?
JANM does not pay interest on funds held. The amount shown is the original sum surrendered by the institution, with no growth or returns added.
Can I claim on behalf of my deceased parent without going through probate?
No. eGUMIS requires formal estate administration documents before releasing funds belonging to a deceased person. A Faraid Certificate alone is not sufficient. See our guide on What is Probate and Do You Need It in Malaysia for more on the estate administration process.
How long does the claim take?
Approximately 30 working days from the point that JANM completes document verification — not from the date of submission.
What if I find records but don't have the estate documents yet?
Make a note of what you find and return to claim once the estate administration process is complete. The money will still be there.
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