Malaysians, Have You Checked Whether You Have Forgotten Money Waiting to Be Claimed?
What if there is money waiting for you somewhere, but you simply do not know it exists? Perhaps you have an old savings account that you stopped using years ago, forgotten insurance payments, outstanding dividends or money owed to you by a company. You might have completely forgotten about it, especially if you have changed banks, moved house or lost track of your financial records over the years.
Here is something worth checking! Malaysians can now conveniently search for Wang Tak Dituntut (WTD), also known as Unclaimed Money, through the MyGOV Malaysia mobile app.
The best part? Checking your unclaimed money records and submitting eligible claims through official government channels are FREE. There is no need to pay an agent or spend money just to find out whether you have forgotten funds under your name.
With the MyGOV Malaysia app and the eGUMIS online portal, checking for unclaimed money is much more convenient. Malaysians can start with their smartphones without having to make an unnecessary trip to a government counter just to enquire about their records.
If you have never checked your WTD records before, this is a good opportunity to spend a few minutes finding out whether you have money waiting to be returned to you.
What Is Wang Tak Dituntut (WTD)?
Wang Tak Dituntut, commonly known as WTD, refers to money belonging to individuals or organisations that has remained unclaimed for a specified period under Malaysia’s Unclaimed Moneys Act 1965.
In simple terms, it is money that should belong to someone but has not been collected by its rightful owner.
There are several reasons why money can end up in the unclaimed money records. Sometimes, people forget about an old bank account after opening a new one. Others may have moved overseas, changed their contact details or simply lost track of payments that were supposed to reach them.
Some common examples of WTD include:
- Inactive bank accounts: Money left in old savings or current accounts that have become inactive.
- Unclaimed dividends: Dividends owed to shareholders that were never collected.
- Insurance payments: Eligible insurance proceeds or payments that remain unpaid.
- Outstanding payments: Money owed to individuals by companies or other organisations.
- Unclaimed deposits and refunds: Eligible deposits, payments or refunds that have not been collected.
You might be surprised by what appears when you search your identification number. Even a small amount is still your money, so there is no reason to leave it unclaimed if you are entitled to receive it.
How to Check Unclaimed Money Using the MyGOV Malaysia App
For Malaysians who prefer doing things online, the MyGOV Malaysia app provides a convenient way to access the Wang Tak Dituntut checking service.
The process is relatively straightforward. Here is a step-by-step guide to help first-time users.
Step 1: Download the MyGOV Malaysia App
First, visit the official Malaysian government portal:
From there, look for the official MyGOV Malaysia app download links for your device.
Make sure you download the application through the official app store links. Avoid installing APK files from unfamiliar websites, as these could expose your personal information to security risks.
Step 2: Log In Using Your MyDigital ID
Once the application has been installed, open MyGOV Malaysia and sign in using your Malaysia Digital ID (MyDigital ID).
Complete the required authentication process before proceeding.
If you have not registered for MyDigital ID, follow the official registration instructions before attempting to access the service.
Step 3: Find the Wang Tak Dituntut Service
After successfully logging in, go to the application’s homepage and look for the service labelled Carian Wang Tak Dituntut (WTD).
Select the service to begin checking your records.
Follow the instructions displayed on the screen to proceed with your search.
Step 4: Check Whether You Have Unclaimed Money
The application will guide you through the checking process.
Check whether any WTD records are associated with your identification number. If a record appears, take note of the available information so that you can review it through the official eGUMIS portal.
Do remember that finding a record does not automatically mean that the money has already been approved for payment. You will still need to complete the appropriate claim process.
Step 5: Visit eGUMIS to Review and Submit Your Claim
If your search identifies unclaimed money, the next step is to visit the official eGUMIS portal operated by the Jabatan Akauntan Negara Malaysia (JANM).
Official website:
New users will need to register for an account, while existing users can log in directly.
Once inside the portal, review the available unclaimed money records, select the eligible record and follow the instructions to submit your claim.
You may be required to provide supporting documents for verification. Make sure the information submitted is accurate and that the documents meet JANM’s requirements.
Important: MyGOV Malaysia provides convenient access to WTD checking, while eGUMIS is the official platform for reviewing detailed records and submitting eligible claims.
Malaysia Has RM13.3 Billion in Unclaimed Money
Here is another reason why Malaysians should not overlook this service.
According to a government statement reported in February 2026, Malaysia had approximately RM13.3 billion in unclaimed money as at April 2025.
That is a substantial amount of money that has yet to be recovered by its rightful owners.
Just imagine how many forgotten bank accounts, outstanding payments, dividends and other eligible funds could be included in that figure.
An example shared in an LC??? Facebook post showed a WTD search result containing the following details:
- Bank: RHB Bank Berhad
- Account type: Savings account
- Unclaimed amount: RM208.18
- Number of records: 1
This is simply an example from the shared screenshot, and it does not guarantee that everyone will receive a similar result.
Some Malaysians might discover only a few ringgit, while others could find larger amounts depending on their individual records.
The important thing is that you will never know unless you check.
Please also remember that the RM13.3 billion figure refers to the reported amount as at April 2025. It should not be treated as a confirmed November 2026 balance.
Important Things to Know Before Claiming Your Money
Before getting excited about finding forgotten money, there are a few important things worth understanding.
1. Checking and claiming are FREE
You do not need to pay anyone to search for WTD records or submit an eligible claim through the official government channels.
JANM does not charge fees for checking or claiming unclaimed money through its official services.
If someone offers to recover your money in exchange for an upfront payment, be cautious and verify the offer before proceeding.
2. Beware of scams and fake websites
Whenever money is involved, scammers may try to take advantage of unsuspecting individuals.
Never share your MyDigital ID login details, banking passwords or one-time passwords (OTP) with strangers.
Avoid clicking suspicious messages claiming that you have been selected to receive unclaimed money. Always access the service directly through the official government websites.
3. Finding a record does not guarantee immediate payment
A successful search only means that a potential unclaimed money record has been identified.
You must still submit the required claim application and supporting documents. JANM will review and verify your application before deciding whether the payment can be approved.
4. Encourage your family members to check too
Do not keep this information to yourself!
Remind your parents, spouse, siblings and adult children to check their own records as well.
Each person should conduct their own search using the appropriate identification details. If you intend to claim money on behalf of another individual, additional authorisation and supporting documents may be necessary.
Official Websites and Contact Information
To make the process easier, bookmark these official resources for future reference.
MyGOV Malaysia
Website: https://www.malaysia.gov.my/
Purpose: Access Malaysian government services, including WTD checking through the mobile application.
eGUMIS – Jabatan Akauntan Negara Malaysia (JANM)
Website: https://egumis.anm.gov.my/
Purpose: Search detailed unclaimed money records and submit eligible claims online.
JANM WTD Enquiries
Telephone: 03-8000 8600
Email: tuntutan.bwtd@anm.gov.my
Purpose: Enquiries regarding unclaimed money records and claim applications.
If you encounter difficulties during the process, contact JANM through its official channels for assistance.
Frequently Asked Questions About Unclaimed Money in Malaysia
Is checking Wang Tak Dituntut free?
Yes. Checking and claiming through official government channels are free. There is no requirement to pay a third-party agent.
Do I need to visit a government office?
Not necessarily. You can check your records and submit eligible claims online through MyGOV Malaysia and eGUMIS. However, JANM counters may also be available if you require assistance.
Can I check my unclaimed money using my smartphone?
Yes. The MyGOV Malaysia app provides mobile access to the WTD checking service.
What should I do if I discover money under my name?
Visit the official eGUMIS portal, register or log in to your account, review the detailed records and submit the relevant claim application with the required supporting documents. You will then need to wait for JANM to verify your application.
Is there a deadline to claim my unclaimed money?
This is an ongoing government service rather than a limited-time promotional campaign. There is no general November 2026 promotional deadline stated for checking WTD records. For specific claim requirements, refer to JANM’s official guidance.
Why Should Malaysians Take a Few Minutes to Check?
Many people regularly spend time looking for shopping vouchers, cashback offers, discount codes, bank rewards and lucky draws to save a little extra money.
There is absolutely nothing wrong with finding good bargains, but there is another opportunity that deserves attention: recovering money that already belongs to you.
Unlike shopping promotions that require spending before receiving a discount, checking WTD records does not require you to purchase anything.
You could discover RM20, RM200 or potentially more, depending on the records associated with your identification number.
Even if your search does not return any results, at least you will have peace of mind knowing that you have checked.
A good idea is to make this a simple family activity. Encourage your parents to check their old bank accounts, remind your spouse to search their records and share the official links with relatives who may not know about this service.
Most importantly, do not pay anyone to perform the search on your behalf. Use MyGOV Malaysia and eGUMIS directly, and keep your personal information protected.
After all, why leave money sitting unclaimed when it could be returned to its rightful owner?
Take five minutes today, open the MyGOV Malaysia app and check your Wang Tak Dituntut records. You might just discover a little extra money that you had completely forgotten about!
Promotional/Event Details
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Service: Wang Tak Dituntut (WTD) – Unclaimed Money Malaysia
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Date: 1 November 2026 onwards (ongoing service)
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Time: Available online at your convenience
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Venue: Nationwide, Malaysia (online)
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Checking Fee: FREE
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Checking Platform: MyGOV Malaysia App
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Claim Platform: eGUMIS Official Portal
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Government Portal: MyGOV Malaysia
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Enquiries: 03-8000 8600
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Email: tuntutan.bwtd@anm.gov.my
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