KinNestEvery one of these has an owner. Most have a family who never knew.
Below is what six countries officially record as unclaimed, each figure taken from the body that publishes it and dated. The amounts are the least interesting part. What matters is the last row of each card: what somebody has to already know before they can ask for any of it.
That is how much of the money in Britain's dormant assets scheme has been reclaimed by the people it belongs to — about eight pence in every pound transferred since 2011. The rest is not lost or stolen. It is sitting in a scheme that will pay it out on request, to anyone who knows to ask.
Bank deposits held with the Reserve Bank's Depositor Education and Awareness Fund, where money goes after ten years without activity. All 2,219 banks — public, private, foreign, regional rural and co-operative. Public sector banks are ₹62,683 crore of it; State Bank of India alone is ₹20,040 crore.
Three other pools are counted separately, in separate registers: insurance ₹8,974 crore and mutual funds ₹3,749 crore (both at 28 February 2026), and unclaimed dividends and bond interest with the Investor Education and Protection Fund, ₹9,372 crore at the end of 2024–25.
Ministry of Finance, answering Rajya Sabha Unstarred Question 2636 on 11 August 2026 — the bank-wise annexure is attached to it. Insurance and mutual funds: Ministry of Finance, 24 March 2026. IEPF: Lok Sabha Unstarred Question 2320, 15 December 2025 (2024–25 figure unaudited).
Start at the common portal the Department of Financial Services opened in May 2026, which fronts all four registers. Or go directly: UDGAM for deposits, Bima Bharosa for insurance, MITRA for mutual funds, and IEPF for shares and dividends.
Searching and claiming are different things, and only searching got easier. The Reserve Bank says plainly that UDGAM "is only a centralised search portal for unclaimed deposits and not a claim settlement portal" — the money can be claimed only from the bank that holds it.
To search at all, a family registers with their own name and mobile number, then needs the account holder's name, which bank, and one of PAN, passport, voter ID, driving licence or date of birth. An address will do if none of those are to hand. UDGAM covers 30 banks — about 90% by value, and not the other 2,189. A legal heir may claim on a deceased depositor's behalf, and there is no time limit for doing so.
What state programmes gave back to owners in one year — 49 of them reporting. This is an outflow, not a pile.
National Association of Unclaimed Property Administrators, FY25 report.
MissingMoney, which covers most states but not all.
No official body publishes a national total of what is held. There are fifty-odd separate state programmes and no single register. Federal money is separate again — and Treasury Hunt, the federal search for matured savings bonds, was retired in September 2025.
Everything transferred into the Dormant Assets Scheme since it began. Of that, £208.1 million has been reclaimed by its owners, across 243,000 accounts.
Reclaim Fund Ltd, Annual Report 2025/26 (HC 459).
My Lost Account, free, run with UK Finance, the Building Societies Association and NS&I. For pensions, gov.uk's tracing service.
The scheme is voluntary, so this is what banks chose to hand over, not what is dormant in the country. The pension tracing service gives you a scheme's contact details — it will not tell you whether there is a pension, or what it is worth. Owners never lose the right to reclaim, which is exactly why the eight-pence figure is so striking.
Two separate pools that must never be added: A$2.7 billion of unclaimed money with the corporate regulator, and A$18.9 billion of lost superannuation across about 7.3 million accounts.
ASIC Annual Report 2024–25; Australian Taxation Office superannuation statistics.
Moneysmart, free and no login.
The superannuation search needs a myGov account linked to the tax office — which a bereaved relative cannot pass. They have to post a paper form with a certified death certificate and the will or probate. There are three separate layers (the regulator, the tax office, and eight state schemes) and no national register. Bank balances under A$500 never leave the bank at all.
3.6 million balances at federally regulated banks and trust companies, in any currency. In 2025, 1,937 claims were paid, returning C$20.0 million.
Bank of Canada, Unclaimed Properties Office.
The Bank of Canada's claim search, free.
Credit unions, Quebec institutions and insurance are all outside it, with their own regimes. And there is a clock: a balance under C$1,000 is held for thirty years and then goes to the government. Anything small and dormant since the mid-1990s is already gone.
Transferred into the Dormant Accounts Fund and not yet reclaimed — €714m from bank, building society and An Post accounts, €180m from unclaimed life assurance. €35.1 million was reclaimed during 2025.
National Treasury Management Agency, Annual Report 2025, audited by the Comptroller and Auditor General.
There is nowhere to search. Ireland has no central register and no public portal.
The Central Bank's guidance is to contact the institution — the branch, if possible — where the account was held. So a family has to already know which bank it was. And under the banking federation's own guidance, a bank may charge a fee before it will search its records. Repayment can take up to 56 days.
The pattern, in one sentence.
In every country on this page, the money is findable — if you already know the institution. Every search here starts with a question only the person who is gone can answer: which bank, which insurer, which fund. That is not a gap in the registers. It is the gap KinNest was built for.
KinNest is a private record of what you own and where it is kept, held for the people you name and handed to them if something happens to you, or whenever you choose to share it. It works alongside a will, without creating one or deciding inheritance. See how it works →
Every figure above was taken from the linked document and is shown with the date it refers to. Two numbers that circulate widely are deliberately absent: a national total of unclaimed property held in the United States, which no official body publishes, and a rupee valuation of the shares transferred to India's IEPF — the widely-quoted ₹89,004 crore comes from a private analysis, not from government, so the cash corpus is shown above and the shares are not. We would rather print less than print something we cannot stand behind. Last checked 13 August 2026; we review this page once a year. Spotted something wrong? Tell us and we will correct it.