Mexico names the AFORE holding your account on one number, if you can still produce that number. We identify what is in your name and hand you the route in. $99, full refund if we find nothing material.
Most countries make identification the hard part. Mexico does not. The official service run under CONSAR answers immediately, from anywhere in the world, on your NSS or CURP plus an email address. That is the good news, and it should be the first thing anyone with Mexican working years hears.
Research date: 2026-08-10.
Why this market matters
Under the decree dated 30 April 2024, unclaimed balances belonging to account holders aged 70 and over transfer into the Fondo de Pensiones para el Bienestar, with Banco de Mexico acting as trustee. The money carries a mechanism to be paid back to the owner or the heirs, so it is not written off, but it stops sitting where the worker left it.
Localiza tu AFORE, run under CONSAR, is a genuine free official lookup and we say so plainly. It answers on an NSS or a CURP plus an email address. The difficulty for someone who left Mexico decades ago is that they often hold neither number. Reconstructing those identifiers from employment history and Mexican records is where our work sits, not in the lookup itself.
Decree dated 30 April 2024. Official lookup checked August 2026.
Start here
$99
Country Pension Identification Report, Mexico
Within 24 to 48 hours
Full refund if we find nothing material.
Enhanced Pension Identification Report, $499: your Action Pack, a complete request pack for every fund we identify, written in your voice and ready to send, delivered within five working days of your intake form. Global Pension Identification Report, $799: the same across every country you worked in, up to all 41 we cover, within ten working days. Full refund if we find nothing material, decided at identification.
At the Country Report you contact the administrators yourself, using the routes in your report. On Enhanced and Global: We stay with your case after delivery. If an administrator asks you a question, refuses, or simply does not reply, send it to us and we will tell you exactly what to send next. That continues until every fund we identified has answered you, or the route is exhausted and we say so plainly.
Identification only. We do not open credential-protected accounts, and we do not transfer, negotiate, or make decisions regarding any pension. Everything below is the free official route, and it stays free: you are welcome to use it instead.
The Localiza tu AFORE service asks for the NSS or the CURP and an email address. The response is immediate and it names the company that holds your individual account. No Mexican login, no residence test, no fee.
If the online route fails, SARTEL takes calls on 55 1328 5000 in Mexico and SARTEL EUA on 1 844 582 4933 from the United States. Mexican consulates in the United States run financial advice windows covering IMSS and AFORE matters, and issue powers of attorney that need no apostille.
Article 302 of the Ley del Seguro Social makes account rights imprescriptible: nothing lapses because time passed. Since the 2024 reform, the unclaimed balances of people aged 70 and over transfer to the Fondo de Pensiones para el Bienestar, which carries a mechanism to pay the money back to the owner or the heirs. The swept population is exactly the elderly diaspora, so an older relative with Mexican working years is worth checking now.
First contribution before 1 July 1997 puts you under Ley 73, which keeps the lifetime pension option calculated on salary and weeks. A first contribution after that date puts you under Ley 97, where the account balance is the pension. Establish which regime applies before reading any figure.
Yes. This is one of the more open systems in the world. The official Localiza tu AFORE service asks for your NSS or your CURP plus an email address, and the answer comes back immediately. There is no digital identity requirement, no Mexican address requirement and no appointment.
Use the telephone route. CONSAR runs SARTEL on 55 1328 5000 inside Mexico, and SARTEL EUA on 1 844 582 4933 for callers in the United States. Mexican consulates in the United States also run financial advice windows that cover IMSS and AFORE questions, and they can issue powers of attorney that need no apostille.
No. Account rights are imprescriptible under Article 302 of the Ley del Seguro Social. Since the 2024 reform, however, the unclaimed balances of people aged 70 and over transfer to the Fondo de Pensiones para el Bienestar, with a mechanism to pay the money back to the owner or their heirs. The elderly diaspora is precisely the population that gets swept, so an over-70 relative abroad is worth checking now rather than later.
It matters a great deal. A worker who first contributed to IMSS before 1 July 1997 sits under Ley 73 and keeps the option of a lifetime pension calculated on salary and weeks contributed. A worker who started after that date sits under Ley 97 and depends on the balance built up in the individual account. Two people with identical service can therefore face entirely different arithmetic.
No. There is no totalization agreement in force between Mexico and the United States, so periods are not added together. Each country is assessed on its own record.
Every statement above is drawn from official Mexican material published by CONSAR and IMSS. Where we could not read an official source, nothing is stated.
Start here
$99
Country Pension Identification Report, Mexico
Within 24 to 48 hours
Full refund if we find nothing material.
Enhanced Pension Identification Report, $499: your Action Pack, a complete request pack for every fund we identify, written in your voice and ready to send, delivered within five working days of your intake form. Global Pension Identification Report, $799: the same across every country you worked in, up to all 41 we cover, within ten working days. Full refund if we find nothing material, decided at identification.
At the Country Report you contact the administrators yourself, using the routes in your report. On Enhanced and Global: We stay with your case after delivery. If an administrator asks you a question, refuses, or simply does not reply, send it to us and we will tell you exactly what to send next. That continues until every fund we identified has answered you, or the route is exhausted and we say so plainly.
Identification only. We do not open credential-protected accounts, and we do not transfer, negotiate, or make decisions regarding any pension. Everything below is the free official route, and it stays free: you are welcome to use it instead.
Important Information
PensionHunter is a research and administrative assistance service only. We search pension registries and employer records to identify whether pension entitlements may exist in your name, we do not provide financial advice, manage pension funds, arrange pension transfers, or assist with claiming or accessing pension funds.
PensionHunter is not regulated by the Financial Conduct Authority (FCA) or any equivalent financial-services or pensions regulator in your jurisdiction. Our service is limited to research and information provision. We charge a fixed research fee paid in advance, Full refund if we find nothing material.
All decisions about your pension, including whether to contact providers, transfer funds, or take any other action, remain entirely yours. We strongly recommend consulting a qualified independent financial adviser regulated in your jurisdiction before making any decisions about any pension we locate.