As of April 2025, the Accountant General’s Department of Malaysia (JANM) has recorded a staggering RM13.3 billion in Unclaimed Money (Wang Tak Dituntut – WTD). However, despite decades of awareness campaigns, only about RM4 billion has been successfully claimed since the initiative began in 1977.

According to Accountant General Nor Yati Ahmad, many Malaysians are still unaware that they might be entitled to unclaimed funds — or have never checked.

To improve public awareness, JANM is actively reaching out through community programs and mobile campaigns, especially in rural areas. But the process remains simple for anyone, anywhere, with internet access.

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💡 What Is Unclaimed Money (WTD)?

Unclaimed Money refers to funds that legally belong to an individual but remain unpaid for over one year. These include:

• Dormant bank account balances
• Unclaimed insurance benefits
• Refunds or overpayments
• Dividends from investments
• Uncollected salaries or bonuses

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✅ How to Check If You Have Unclaimed Money

Option 1: Online via eGUMIS

1. Visit https://egumis.anm.gov.my
2. Register with your NRIC, email, and a password
3. Log in and enter your IC number to search
4. If money is found under your name:
   • Upload necessary documents
   • Submit your claim and wait for verification

Option 2: Visit a JANM Office

1. Bring required documents (see below)
2. Complete the WTD Claim Form
3. Submit in person at any JANM branch

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📄 Documents Required for Claims

For Personal Claims:

• Copy of NRIC (front & back)
• Bank account details (if requesting transfer)
• Completed claim form (manual method)

For Claims on Behalf of a Deceased Family Member:

• Death certificate
• Proof of relationship (e.g., birth/marriage certificate)
• Letter of Administration or Grant of Probate
• Copy of claimant’s NRIC

Important:
✔️ Claims are free of charge
✔️ There is no time limit to submit your claim

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📢 Don’t Let Your Money Go Unclaimed

If you’ve ever opened a bank account, had an insurance policy, received dividends, or worked in Malaysia, there’s a chance you may have unclaimed money waiting. Take just 5 minutes to check — and share this with your family and friends. It could make a real difference!

From the desk of

Miichael Yeoh