Whether you’re a major multinational firm or a small community-based entity, Reclaim Fund Ltd are here to help you unlock the potential of dormant assets.  

We will never charge a fee to join the Dormant Assets Scheme, and a dedicated Account Manager will support you through every step.

First contact

The first step is to get in touch with Reclaim Fund Ltd, by either using the Enquiry Form on the top right of our website, or emailing dormantassets@reclaimfund.co.uk. 

A member of our team will be in touch to arrange next steps.

Introductory call

The team will arrange an introductory call with our dedicated Account Management team.

This call is an opportunity to:

• Discuss your potential eligibility at a high level
• Talk through the Dormant Assets Scheme in more detail, using our Scheme Handbook
• Explain how the Transfer and Agency Agreement (TAA) contract works, which are standardised contracts that govern our relationships with participants
• Outline how the onboarding process works, and how to process transfers and reclaims

Our Account Managers provide hands-on, practical support, acting as a consistent point of contact throughout the onboarding process and beyond.

At this stage, we will also ask you to confirm:

• The name of the legal entity or entities wishing to participate in the Scheme
• Your FCA firm reference number (if applicable)

This information allows us to begin shaping the onboarding process around your organisation(s).

Specific Information Form

The next step is to complete a Specific Information Form. This provides RFL with essential contact and background information and enables us to:

• Conduct due diligence
• Prepare a Transfer and Agency Agreement (TAA) for your firm
• Understand your operational approach to dormant assets
• Transfer and Agency Agreement (TAA)

All participants enter into a Transfer and Agency Agreement (TAA) with RFL. This is a standardised contract that all of our 50+ participants have signed, and which:

• Sets out the terms under which dormant assets are transferred
• Confirms the transfer of liability to RFL for future reclaims
• Ensures you retain all of your customers’ data and can welcome them back to your business if they return for their money
• Agrees when participants can transfer and reclaim funds, tailored to each firm’s operational preferences

Once our internal checks are complete, the TAA is shared with you for review and signature. Once the agreement is signed by both parties, you are officially part of the Dormant Assets Scheme!

Fully onboarded

Once the TAA is executed, the participant is fully onboarded to the Dormant Assets Scheme.

At this point:

• Transfers can begin at a pace that suits the participant
• Ongoing support is provided by your dedicated Account Manager

Our role does not end at onboarding: we maintain long-term relationships with our participants to support consistent engagement with the Scheme and ensure customers remain protected.

A flexible, supported process

We understand that every organisation is different and that there may be pauses or changes in pace throughout the onboarding journey.

Whether this is due to internal approvals, operational considerations or wider priorities, we are always on hand. Our goal is to make the Dormant Assets Scheme a positive, straightforward experience, underpinned by trust, transparency and ongoing support.