Unlocking the potential of dormant assets
Unlocking the potential of dormant assets
Reclaim Fund Ltd helps financial institutions to protect their customers while creating a better society.
Unlocking potential
Reclaim Fund Ltd (RFL) operates the UK’s Dormant Assets Scheme. Since 2011, we have been trusted to receive, manage and distribute dormant asset funds.
We are the experts in dormant assets and offer all the support necessary to firms embarking on their journey to participation.
Transforming communities
The Dormant Assets Scheme’s success is built on the 50+ firms already unlocking the potential of their dormant assets, including Banks, Building Societies, Insurance and Pensions providers, and Investment and Wealth Management firms.
We are ready to work with any eligible firms that wish to join their peers.
£1.1 billion
distributed to The National Lottery Community Fund
200,000+
customers reunited with their assets
2,700+
charitable organisations with funding
50+
leading financial organisations already onboard
Impact of the Scheme
Speak to us today to find out more
Change at scale
Dormant assets are creating lasting impact in communities that need it most.
From an average dormant account size of just £108, RFL has been able to unlock over £1 billion for good causes across the UK.
Improving resilience
Over 2,700 charitable organisations have received funding.
Distributed by The National Lottery Community Fund, the money helps to improve the financial resilience of charities, social enterprises, and vulnerable communities, as well as tackling issues such as homelessness and young people’s wellbeing.
Protecting customers
The Scheme also benefits people who have lost touch with their money by protecting their lifelong right to reclaim it.
RFL maintains a reserve of funds to repay firms if their customers ever come forward to reclaim their money.
Looking for a Dormant Account?
Reclaim Fund Ltd does not hold customer account information and cannot reunite individuals with dormant funds directly.
If you believe you may have money in a dormant bank account, savings account, insurance policy, investment, or other financial product, please contact the organisation where you originally held the account. They will be able to advise whether funds remain available and explain the process for reclaiming them.
Reclaim Fund Ltd receives money from participating organisations only after accounts have been classified as dormant. We do not receive customer records and are unable to search for accounts or verify ownership on behalf of individuals. Please do not submit personal data to us.
Alternatively, the below free tracing services may be able to assist:
- Banks & Building Society accounts – My Lost Account
- Pension schemes – Government pension tracing service
- Multiple assets – Gretel
- Multiple assets – The Tracing Group
Banks & Building Societies
The foundation of the Dormant Assets Scheme
The Banks and Building Societies sector is where the Dormant Assets Scheme began, and it remains one of its greatest success stories.
Launched in 2011, Reclaim Fund Ltd was first established to unlock dormant bank and building society accounts, setting the blueprint for how forgotten funds could be put to work for society while fully protecting account holders' rights.
Insurance and Pensions
An expanded Scheme for greater impact
In 2023, Reclaim Fund Ltd opened the Dormant Assets Scheme to include long-term Insurance assets and personal Pensions.
With Aviva joining as our first trailblazing participant – and L&G rapidly following suit – the sector has taken its first steps towards our trusted, well-governed process that protects customers and delivers lasting social impact at scale.
Investment and Wealth Management
An expanded Scheme for greater impact
In 2025, Reclaim Fund Ltd opened the Dormant Assets Scheme to Investment and Wealth Management firms.
At its launch, we proudly announced that four industry frontrunners joined as our first participants: Jupiter, Schroders, J.P. Morgan, and Janus Henderson.
Investment and Wealth Managers firms now have the opportunity to turn dormant assets into a force for good and position themselves as fellow industry leaders, without compromising client rights.
Four Investment frontrunners launch UK Dormant Assets Scheme
UK Dormant Assets Scheme Reaches £1 Billion Milestone in Distributions to Good Causes
Vernon Building Society joins the Dormant Assets (Alternative) Scheme
