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Help getting reunited with your money

Dormant Bank Accounts

Do you have money in a dormant account?

After a period of 5 years, a letter will be sent to the address held on file notifying you that if there is no new activity on your account in the following 9 months, then your account will become dormant.

If you think your account may have become dormant, please follow the steps below to help reclaim your funds.

Making a dormant request (UK residents)

1. Find your account details

  • Before you start reclaiming a dormant account, please make sure you have the account details - Account number and Sort code (The name of the account is also very useful) to help us identify the dormant account.
  • If you're unsure or need to check the details of a dormant account,  give us a call on 0345 366 6594 or chat to us now.
  • Unfortunately, we can no longer process reclaim requests without these details.

2. Gather your ID documents

  • You will need original supporting documentation  - Photographic ID and proof of address.
  • We will require ID and proof of address documents from all parties named on the dormant account.

3. Visit us in branch to start your reclaim

  • You will then need to visit us in branch, where we'll certify your ID and address documents.
  • Once these documents have been certified we will complete the dormancy reclaim form on your behalf.
  • Finally, the dormancy reclaim form and supporting documents will be submitted to our dormancy processing team.
Document ID types

Supported ID documents

Dormant requests as a legal entity

If you're acting as a legal entity on behalf of the claimant (e.g., lawyer/solicitor), you can submit requests via email or post. Download and send us a copy of the Dormant Reclaim Form (PDF, 181 KB) along with your photographic ID and proof of address

Please ensure that all requests through these channels include the completed reclaim form and certified documentation.

Based overseas?

If you live outside the UK, you can download and send us a copy of the Dormant Reclaim Form (PDF, 144 KB) by email or post, along with your photographic ID and proof of address.

Alternatively, you can send us a signed letter of authority to help claim any money. In your letter please provide as many details as possible about the account in question.

Please note that overseas payments will incur a standard charge of £15. The balance being made overseas must also equal £69 or over. Anything under this amount can only be transferred to a UK based account.

Dormant Account FAQs

If we can't find your account...

Your next step may be to head over to www.mylostaccount.org.uk.

This is a free service bringing together the three tracing schemes of UK Finance (UKF), the Building Societies Association (BSA) and National Savings and Investments (NS&I), to help you trace your lost accounts and savings.

Unclaimed Assets Scheme

We take part in the Unclaimed Assets Scheme established under the Dormant Bank and Building Society Accounts Act 2008.

  • This scheme allows money in dormant accounts (accounts that haven't been used for 15 years or more) to be distributed for the benefit of the community, while protecting the rights of customers to reclaim their money.
  • As part of the scheme, balances of dormant accounts can be transferred to Reclaim Fund Ltd (RFL). This is a not-for-profit reclaim fund, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
  • If you have a dormant account, you rights related to the account and entitlement to the balance aren't affected. RFL doesn't hold customer information or records in relation to transferred dormant account balances. You should continue to get in touch with us at your branch if you have any questions or complaints in relation to your account.
  • Both we and the RFL participate in the Financial Services Compensation Scheme (FSCS). The transfer to RFL of dormant account balances will not adversely affect any entitlement you have to compensation from the FSCS.

If you are unsure, call or chat to us

Not sure if you have money in a dormant account with us, or need support regarding a personal dormancy claim?

Call us on:

0345 366 6594. (8am - 6pm Monday to Friday excluding bank holidays)

Relay UK: 18001 0345 366 6594.

For overseas customers please call us on 00441634648143.

 or chat to us now.