There is a surprising amount of unclaimed money in the UK, from lost pensions and forgotten Child Trust Funds to tax relief people never knew they could claim. This free checker lists 18 of the most common ways you could be owed money. Tick anything that might apply to you and it shows a rough total, plus the official place to claim.
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Go through the list and tick anything that might apply to you. Each item shows who qualifies, what it is worth and where to claim it, using official figures for 2026/27.
How to use the unclaimed money UK checker
Step 1: Read each item
Each card explains who qualifies and what it is typically worth. The figures come from HMRC, DWP, NS&I and other official sources for 2026/27.
Step 2: Tick anything that might be you
Press Might be me on any card that could apply. The total at the top adds up the typical values, so you can see roughly how much is at stake.
Step 3: Claim it
Every card links straight to the official claim or tracing service. Most claims take a few minutes online, and none of them should cost you anything.
Step 4: Print or share your list
Print just the items you ticked, or copy a link to share your list with a partner or parent who might also be owed money.
Tax you could claim back from HMRC
Tax relief is one of the biggest sources of unclaimed money. Marriage Allowance alone is worth up to £252 a year, and you can backdate it to April 2022. It applies if one of you earns under £12,570 and the other pays basic rate tax. You can apply on the GOV.UK Marriage Allowance page.
Employees can also claim relief on uniform costs, professional fees and business mileage. The mileage rate rose to 55p a mile in 2026/27, so it is worth checking if your employer pays less. However, working from home relief is no longer available from April 2026, although you can still claim for earlier years if your employer required you to work from home.
Higher rate taxpayers often miss out too. If your pension uses relief at source, you can claim an extra 20% back, and Gift Aid donations can also earn you money back. Our guide to paying less tax legally covers more ways to keep more of your money.
Unclaimed money UK: lost pensions and forgotten accounts
People have lost track of around 3 million pension pots, with an average value of about £6,220. If you have changed jobs or moved house, the free Pension Tracing Service can help you find the provider. Our guide on how to find a lost pension walks you through it.
The government opened a Child Trust Fund for everyone born between 1 September 2002 and 2 January 2011. HMRC says nobody has claimed about 827,000 matured accounts yet, which average around £2,310. Meanwhile, NS&I is holding £129.6 million in unclaimed Premium Bonds prizes, and there is no time limit to claim.
Benefits and discounts people miss
Pension Credit is one of the most underclaimed benefits, worth just over £4,500 a year on average. It also unlocks other help, so it is worth checking for older relatives. In addition, anyone who lives alone can get 25% off their Council Tax.
Overall, an estimated £24.1 billion of benefits went unclaimed in 2025/26. A free benefits calculator only takes about 10 minutes, and you can then use our free budget planner to see what the extra money means for you.
Compensation you might be owed
If a flight arrived more than three hours late because of the airline, you may be owed between £220 and £520 per person. You can usually claim for flights in the last six years. Broadband customers can also get automatic compensation for slow repairs and missed engineer visits.
How to avoid unclaimed money scams
All of the services in this checker are free. Be wary of any company that cold calls you about unclaimed money or asks for a fee upfront. Instead, always use the official GOV.UK, NS&I or My Lost Account websites linked above.
Want to dig deeper? Check what you actually take home with our take home pay calculator, find your money type with the money personality quiz, or browse every tool on our free financial tools page.
Unclaimed money UK FAQs
Start with the free official services: the Pension Tracing Service for old pensions, My Lost Account for bank accounts, the NS&I prize checker for Premium Bonds and GOV.UK for Child Trust Funds and tax relief.
Yes. The checker is free, there is no sign up, and your ticks stay on your own device only.
For most tax relief, such as uniform costs and professional fees, you can claim for the current tax year and the previous four. You can currently backdate Marriage Allowance to April 2022.
Not for 2026/27, as the relief is no longer available from April 2026. You can still claim for earlier years if your employer required you to work from home.
No. You can make every claim in this checker for free through official services. Companies that charge a fee often take a large share of your refund.