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Help getting reunited with your money

Dormant Bank Accounts

Do you have money in a dormant account?

After 5 years, we'll drop you a note at the address we have for you, letting you know that if you don't use your account in the next 9 months, it'll go dormant. If your account's dormant, you might lose access to your funds. We're here to help you keep your money accessible.

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

Making a dormant request

1. Find your account details

  • Before you start reclaiming a dormant account, ensure you've got your account details. You'll need your account number, sort code and the account name to help us find your dormant account.
  • If you need to check your dormant account details, give us a call on 0345 366 6594 or chat to us now.
  • Without these details, we can't process your reclaim request, which may delay access to your funds.

2. Gather your ID documents

  • You'll need original documents like photo ID and proof of where you live. For more info please check what types of photo ID and proof of address we accept.
  • We'll need photo ID and proof of address from everyone listed on the dormant account.

3. Reclaim your dormant account

  • You can use our online form to send your request quickly and safely.
  • Follow the Dormant Reclaim link to open the form.
  • Tell us your details so we can help you reclaim your account. 
  • Verify your identity with Mitek. 
  • Submit and take it easy.
  • Once we've verified you, we'll handle everything else for you.
  • Learn more about Mitek and how it protects your information by visiting our Mitek page.

Supported ID documents

Dormant requests as a legal entity

If you're helping someone else, like a lawyer or solicitor, you can use our digital process to send requests quickly and safely.

If you can't or prefer not to use the digital process, you can still send your requests via email or post. Just download and send us a copy of the Dormant Reclaim Form (PDF, 181 KB) along with your photo ID and proof of address. Make sure to include the reclaim form and certified documents with your requests.

Living outside the UK?

You can use our digital process, making it easier for you to quickly and securely reclaim your money.

If you can't or don't want to use the digital process, you can download and send us a copy of the Dormant Reclaim Form (PDF, 181 KB) by email or post, along with your photo ID and proof of address.

Alternatively, you can send us a letter giving us permission to help claim any money. In your letter, please provide as many details as possible about the account in question and sign it.

Important to note:
We charge £12 for overseas payments to cover processing costs. Your balance must be £69 or more to transfer overseas. We'll transfer amounts under £69 to a UK based account.

Dormant Account FAQs

Other help available when we can't find your account?

Just to let you know, you can trace your lost accounts and savings with a free service called My Lost Account. This service helps you find accounts you may have forgotten about.

This free service brings together three tracing schemes, to help you trace your lost accounts and savings.

You can start tracing your lost accounts by visiting www.mylostaccount.org.uk.

Unclaimed Assets Scheme

We're part of the Unclaimed Assets Scheme set up by the Dormant Bank and Building Society Accounts Act 2008.

  • With this scheme, money from accounts that haven't been touched for 15 years or more can help the community, and you can still get your money back.
  • As part of the scheme, we can transfer balances of dormant accounts 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've got a dormant account, your 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 won't affect any entitlement you have to compensation from the FSCS.
Find out more about the scheme (UK Gov Website) Open in new window

Got a question?

We're here to help if you have questions.

If you think you might have money in a dormant account with us, or need support with a personal dormancy claim, we're here to help.

Ways to contact us:

  • Start a chat with us now.
  • Call our team on 0345 366 6594.
  • If you prefer, use Relay uk by dialling 18001 0345 366 6594.
  • Overseas customers can reach us at 0044 1634648143.

Phone lines are open 8am - 6pm Monday to Friday, excluding bank holidays. Calls may be recorded.