If you have worked in more than one country, even briefly, there is a strong chance you have money waiting.
Find my pensionsPension records do not follow you when you move country. Employers merge, rebrand, or close. Providers change names. Governments do not share data across borders. And nobody writes to tell you the money is still there.
This is not a reflection of how organised you are. These are system failures, not personal ones. Every search we run adds to a proprietary employer-to-provider database across all 41 countries, so every search before yours makes yours faster.
It just sits. Waiting.
Only 4 of the 47 systems on our scoreboard publish an unclaimed pension figure, so the real total is far higher than the verified $74 billion. The bulk of it sits with the original providers, waiting for someone to ask.
There is no cross-border database of pension entitlements. Each country operates its own disconnected system.
A pension provider you remember from 2008 may have been acquired three times since. The fund still exists, under a different name.
Providers legally must try to contact you. But if they have your address from 2011, those letters are going nowhere.
Companies close, merge, or restructure. Pension obligations are transferred, but not always to somewhere obvious.
Unlike bank accounts, pensions do not automatically transfer or consolidate when you leave a country.
If you have worked in United Kingdom, Netherlands, Ireland, Germany, Switzerland, Canada, New Zealand, South Africa, Australia, Hong Kong, Japan, UAE, Vietnam, France, Spain, Italy, Belgium, Luxembourg, Sweden, Denmark, Norway, India, Malaysia, Singapore, South Korea, Indonesia, Philippines, Liechtenstein, Bulgaria, Iceland, Latvia, Romania, Austria, Portugal, Turkey, Mexico, Brazil, Chile, Israel, Slovenia and United States, the pension system almost certainly holds something in your name.
Not sure if it applies to you? Answer 7 questions about your work history for a free probability score, under 60 seconds. Find my pensions
A selection of the failure points we see most often. Reports cover all 41 countries we serve, see the full list.
| Country | Why pensions get lost here |
|---|---|
| United Kingdom | Multiple employers, provider consolidation, old addresses |
| Ireland | Occupational schemes; many smaller employers now dissolved or bought out |
| Netherlands | Employer-linked funds; expats rarely receive final pension statements |
| Germany | Deutsche Rentenversicherung contributions left behind when expats depart without claiming or transferring |
| Switzerland | Pillar 2 vested-benefit accounts auto-transferred to the Stiftung Auffangeinrichtung when leavers do not nominate a destination |
| France | Up to 42 separate régimes; small short-career entitlements often never consolidated via Info Retraite |
| Spain | Seguridad Social contributions from short stints often unclaimed; planes de pensiones from former employers go untracked |
| Italy | INPS contributions across multiple gestioni; TFR balances from former employers commonly overlooked |
Also covered: South Korea, Indonesia, Philippines, Liechtenstein, Bulgaria, Iceland, Latvia, Romania, Austria, Portugal, Turkey, Mexico, Brazil, Chile, Israel, Slovenia, United States.
Most expats who have worked in two or more countries have entitlements they have never identified. Even short contracts of 12–18 months can create them.
Cross-border careers often produce three to five overlooked pension entitlements per person. Common categories include: workplace pensions from employers acquired or wound up after the individual left; defined-benefit schemes transferred to successor administrators or insurance buyouts; superannuation or provident-fund balances inactive long enough to have been transferred to government holding accounts; and pension contributions made during short employment periods that the individual did not realise vested.
Takes 3–5 minutes. Tell us where you have worked, for how long, and your personal details.
We search national registries, employer records, provider databases and cross-border treaty data across your selected countries, and identify the scheme administrators that hold records for you.
You receive an automated identification report within 24 to 48 hours listing the identified administrators, their contact details, and the specific information to request from each. You contact them yourself.
The Information Request Authority is a document you sign. It records your permission for pension providers and registries to share information about your records with us. It gives us no control over your pension and no ability to move, claim or change anything.
We write a complete information request for every fund we identify, ready to send, with the verified contact route, what that administrator will ask you for, the reference to quote, and the follow up text with the date to send it.
Within five working days of your intake form, or ten for Global, you receive a complete information request for every fund we identify, written and ready to send setting out every administrator we identified and how to reach each one, together with your prepared requests. You send them. On Enhanced and Global, send us anything an administrator asks, refuses or ignores, and we tell you exactly what to send next. Yours to keep regardless of what you decide next.
We find it. You decide. We recommend speaking to an independent financial adviser regulated in your country before taking any action.
We do not provide financial advice. We do not recommend specific financial products or providers. We are research and administrative assistance only.
Fixed fee. No success fees. No commission. Full refund if we find nothing material.
There is no official cross-border pension database. There never has been. Every search we complete maps another employer to another pension provider across our 41 countries, and that mapping is why identification keeps getting faster and more accurate for the next person.
Every search you run makes the next one faster, for you and for everyone who comes after.
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