How to recover money from old, lost accounts

Not sure how to find lost savings accounts or how to find your old bank account number? You're not alone. It's easy to lose track — especially if an account was opened years ago, or the provider has since rebranded.

The good news? There are simple, free ways to trace and recover forgotten accounts. Here’s how to get started.

What kind of accounts can get lost?

People most commonly lose track of:

• Old bank or building society accounts
• National Savings and Investments (NS&I) products
• Premium Bonds

This can happen if your bank merged with another, rebranded, or changed how accounts are accessed. You might also have money in an account a family member opened when you were a child — like savings accounts or Premium Bonds gifted for a birthday.

When is an account considered lost?

Generally, an account is classed as "lost" if it’s been inactive for 15 years or more — meaning no money has been paid in or taken out, and you haven’t contacted the provider.

But even if it's been less than 15 years, you can still try to trace it — especially if you remember who the account was with.

How to find lost savings accounts

If you're wondering how to find lost savings accounts, you’re not alone – this is one of the most misplaced accounts going! Here are three simple ways to start your search:

1. Speak to family

Start by asking parents, grandparents, or other relatives if they remember setting up an account in your name. They may even have old paperwork or account details saved somewhere.

2. Ask the bank or building society

If you know who the provider was, contact them directly. You don’t need the account number — just give them your name, previous addresses, or any other info you can remember. They’ll guide you through the steps to prove your identity and reclaim your money.

3. Use the free My Lost Account service

Don’t know where to start? My Lost Account is a free service that can help you find:

• Lost bank accounts (from major UK banks)
• Accounts with 43 UK building societies
• NS&I products (including old Post Office savings accounts)

Just fill in their online form with as much detail as you can. Your info will be securely shared with relevant providers who’ll check their records and get back to you.

Even if the bank has merged or changed names (like Abbey National becoming Santander), they can still trace your account.

How do I find my old bank account number? 

If you no longer have paperwork or old bank cards, your provider may still be able to help if you give them:

• Your full name (and any previous names)
• Past addresses
• Your date of birth
• Any clue about when or where the account was opened

Even without the account number, this info can help them locate your old account.

Can I trace someone else’s lost account?

Yes — but only with the right permission.

• If the person is still alive, you’ll need written consent or Power of Attorney
• If they’ve passed away, you’ll need to be the executor of their estate or next of kin, with documents to prove this

Do I have to pay to trace a lost account?

No. You don’t need to pay anyone to help you find a lost account.

Be wary of companies that charge fees for something you can do for free. Always go directly to the bank or use My Lost Account, which is completely free.

Found money? Time to put it to good use

Once you’ve tracked down any forgotten funds, make a plan for them. Whether you want to save, invest or treat yourself, we’ve got 100+ tips to grow your savings and make your money work harder.