PensionHunter · Cross-Border Pension Research
There may be a pension in your name in a country you left. Nobody will write to tell you.
We identify who is holding the pensions in your name, in 41 countries, wherever you live now. Fixed fee of 99 dollars, delivered in 24 to 48 hours. Nothing to pay to find out whether it is worth doing.
Also used by executors, trustees and advisers acting for someone else.
- Answer a few questions about where you worked, or paste your LinkedIn profile to save typing. Either works.
AI can answer pension questions. It cannot tell you where your lost pensions are.
Don't postpone finding your pensions. Some countries have important deadlines after you leave.
The sooner you start, the more options you keep.
Your family will thank you.
Acting for someone who has died?
Claim
Your old US employer was allowed to move a balance of up to 7,000 dollars out of its plan without asking you. At or below 1,000 dollars it could be mailed as a cheque to the last address it had. These force-out IRAs appear in no public database.
- Source
- 26 U.S.C. 401(a)(31)(B), IRS Notice 2026-34
- Date
- 26 August 2026
- Status
- Verified against the statute and against IRS Notice 2026-34, which the IRS pointed us to when we asked. Permits, not requires: whether your old plan used 5,000 or 7,000 is in the plan document, not in any public database.
This is the product: a claim you can act on, with a source you can check and a date we verified it. Every finding in your report is built the same way.
Sample report
See a full report for the United States
Frank Marco Holle
Founder, PensionHunter
London, United Kingdom
Career
- Academic researcher, University of Utrecht
- ABN AMRO, Amsterdam
- Merrill Lynch, London
- Institutional Asset Management, Malaysia & Singapore
- Master's International Corporate Law, Utrecht University
Why this exists
This is about workplace pensions and often forgotten state pensions.
"I am Frank Marco Holle, founder of PensionHunter. We built PensionHunter because I could not find my own pensions."
Read the full story
My career in finance began as an academic researcher at the University of Utrecht, then took me to ABN AMRO in Amsterdam, to Merrill Lynch in London, and later to institutional asset management in Malaysia and Singapore. Along the way I worked for organisations that had changed names, merged, been acquired or no longer existed. Like millions of people who have worked internationally, I discovered that finding old pensions was far more difficult than anyone expects.
The problem was not simply knowing where to look. Employers had disappeared. Pension administrators had changed. Records were fragmented across countries, and every address held for me was decades out of date. Tracing my own pension history took months of research, correspondence and verification.
That experience led me to develop a structured research methodology for tracing workplace and state pensions across borders. It combines technology with human expertise, employer history reconstruction, corporate records, pension databases, public registers and country-specific research carried out by specialists who understand how pension systems work in their own jurisdictions.
The first case that methodology ever solved was my own.
Today, it forms the foundation of PensionHunter. Every search follows the same disciplined process, combining AI with experienced researchers and a global network of pension experts to uncover information that generic searches, government portals and AI alone often cannot.
The method we use today is the one I created to solve my own pension search. Now it helps people around the world solve theirs.
The cause
Why this happens
Schemes do not lose the money. They lose the person.
You move on, then you move house. The scheme writes to an address you left years ago, the employer is bought, renamed or wound up, and the file passes to an administrator you have never heard of. The long version, with sources.
Ten seconds
Did you work in another country for a year or more?
Then there is a fair chance a pension record with your name on it is still sitting in that country. Employers there paid into it. Nobody writes to tell you.
The self test
Could this be you?
Four questions. Tap the ones that are true for you.
The evidence
See exactly what you get, before you decide.
If you have been putting this off for years, you are exactly who we built this for. Pensions are rarely gone: usually the scheme simply lost track of you.
Every report contains:
- Every administrator identified, with verified contact route
- The exact request to make of each, spelled out
- Your State Pension position and the deadlines that apply
- Sources and a confidence rating on every finding
- Human review before release
Three sample findings for United States
Sample finding · United States
Hudson Yards Freight Corp changed name twice after you left, and the plan administrator of record today holds…
Sample finding · United States
Your Social Security earnings record for the New York years exists under your Social Security number, whether…
Sample finding · United States
A small 401(k) balance left behind can be moved out of the plan into an account you never chose, so the…
What a report hands back
Anonymised case notes, so you can picture the shape of your own outcome before you start.
Three jobs across two countries, no current contact from either scheme.
The report named the two providers holding her workplace pensions and gave her the exact request letters to send them.
His employer was absorbed twice after he left. He did not know which fund held the record.
The report traced the chain of renames and named the fund that answers for the pension today.
Twenty years of stints, one folder of memories, no single record of every pension.
One document naming every located pension, the state position in each, and the next free step to take.
The fee and the process
What it costs, and what happens
Pension Identification Report
- Who holds a workplace pension in your name, and in which country.
- The evidence we found and where you stand on the state pension there.
- Full refund if we find nothing material, decided before delivery.
Read by a named researcher. No passwords. No money movement.
You are not asking us to claim your pension. You are asking us to identify who holds it.
The Pensions Policy Institute counts 31.1 billion pounds in 3.3 million forgotten UK workplace pensions, averaging £9,470 each. Source: Pensions Policy Institute, Briefing Note 138, 2024.
- Run the free checkPaste your work history or upload your LinkedIn PDF. See which countries may hold a pension and which can be ruled out. No sign-in, no charge.
- Tell us where you workedRough dates are fine. About three minutes.
- Receive your reportIt names who holds the record today, traces employers through mergers and closures, gives you the sourced route, and sets out your state pension position. You write to them. Decisions stay yours.
Worth knowing
Most entitlements do not expire, but a few do: in some countries the right to ask runs out, or the money moves to another government department.
Security pledge
What we will never ask you for
- Your passport, national ID, or driving licence.
- Your bank account, card, or online banking login.
- Your National Insurance, BSN, or tax number.
- A wet signature or power-of-attorney letter.
- Copies of pension statements or provider letters.
ICO registered
Registration No. ZC113586
Your data is handled under UK GDPR, never sold, and deleted in full on request.
Get your affairs in order
The folder your family hopes exists.
The will is done. The house papers are filed. A pension nobody knows about is a pension nobody receives.
- The will
- The insurance
- The house papers
- The pensions
The row most families are missing.
On the record
We write to national pension authorities and publish what they say back.
“Your old US employer was allowed to move a balance of up to 7,000 dollars out of its plan without asking you.”
IRS Media Relations pointed us to page 5 of IRS Notice 2026-34 when we asked. Verified 26 August 2026.
- Thirty
- authorities have replied to us in writing.
- 23
- authority answers published in full. Read what they said
- 53
- systems studied, publishing Thursday 1 October 2026.
- 41
- countries covered by our Pension Identification Service.
Start with the free check. You may be surprised what has your name on it.
Find my pensionsA real person reads every check that comes in, usually the same day.