FSCA — Official Unclaimed Benefits Portal

Find your
unclaimed benefits
securely

Thousands of South Africans are owed money from pension funds, provident funds, and dormant accounts. The FSCA's system searches on your behalf — secure, transparent, and accountable.

FSCA regulated
POPIA compliant
Secure & transparent
R4.2B+
Unclaimed funds in South Africa
12,000+
Clients successfully assisted
98%
Recovery success rate
R85k
Average recovery per client
Process

How the enquiry process works

A secure, end-to-end process managed by the FSCA — from initial submission to identity verification and enquiry resolution.

01
Submit your enquiry
Visit the FSCA website and complete the Unclaimed Benefits Enquiry form with your basic details and ID number.
02
System check
The FSCA system searches for potential unclaimed benefit matches. If found, a secure biometric verification link is sent to you.
03
Biometric verification
Click the secure link and complete a quick selfie liveness check. Your identity is verified against Department of Home Affairs records.
04
Bank verification & resolution
Once identity is verified, your bank account is optionally confirmed. A formal report is generated and the enquiry is resolved.
What we find

Six categories of unclaimed money

Many South Africans are unaware of money owed to them across multiple institutions and fund types.

SARS tax refunds
Overpaid PAYE, outstanding refunds, and forgotten returns from previous years. Many employees overpay each year without knowing.
Most common claim
Pension & provident funds
Old employer contributions and provident fund balances left when changing jobs. These accumulate interest and are fully recoverable.
High value
Life & funeral policies
Forgotten or inherited insurance policies that have never been claimed. Beneficiaries often don't know policies exist.
Often overlooked
Dormant bank accounts
Inactive accounts and unclaimed deposits held by financial institutions. Under law these must be reported and returned.
Banking sector
Deceased estate balances
Unclaimed inheritance, estate balances, and assets belonging to deceased relatives that heirs are unaware of.
Estate recovery
Investment & unit trust
Forgotten unit trust investments, share dividends, and unclaimed distributions from asset managers and stockbrokers.
Investment funds
Client stories

What our clients say

Real recoveries from real South Africans. All names used with permission.

★★★★★

"I had no idea I was owed money from two previous employers. FSCA found R42,000 in pension fund contributions I'd completely forgotten about. The whole process was handled professionally and I received my money within 6 weeks."

NM
Nandi Mthembu
Durban, KwaZulu-Natal
★★★★★

"FSCA discovered a SARS refund owed to me for three consecutive tax years. The total came to over R18,000. I'd been filing my own returns and had no idea I was overpaying. Absolutely worth it."

DV
David van der Merwe
Cape Town, Western Cape
★★★★★

"After my father passed, FSCA helped us track down an old life insurance policy we didn't know existed. They recovered R120,000 for our family. The team was compassionate and thorough throughout a difficult time."

TS
Thabo Sithole
Johannesburg, Gauteng
FAQ

Common questions

How much does the service cost?
FSCA operates on a success-fee basis — you pay nothing unless we successfully recover money for you. Our fee is a percentage of the recovered amount, agreed upfront before any work begins. There are no hidden charges or upfront costs.
How long does the process take?
Timelines vary by claim type. SARS tax refunds typically take 6–12 weeks. Pension fund claims can take 3–6 months depending on the fund administrator. We provide regular progress updates throughout and always keep you informed.
Is my personal information safe?
Absolutely. FSCA is fully POPIA compliant and uses 256-bit SSL encryption for all data transmission. Your personal information is used solely for the purpose of tracing and recovering your benefits and is never sold or shared with third parties.
What documents do I need to provide?
Typically a certified copy of your South African ID, a recent proof of residence, and your banking details for payment. For deceased estate claims, we'll need additional documentation such as a death certificate and letters of executorship. We'll guide you step by step.
Can you help with claims on behalf of a deceased family member?
Yes — estate and beneficiary claims are a significant part of what we do. We work with executors, heirs, and next-of-kin to trace and recover assets belonging to deceased persons. Contact us to discuss your specific situation.

Find out if you have unclaimed benefits

Submit a secure enquiry. The FSCA system will search for any unclaimed benefits linked to your details.

What we offer

Our services

Comprehensive financial recovery and advisory services for individuals, families, and businesses.

ⓘ
Free initial assessment: We evaluate your potential claims at no cost. You only pay when we successfully recover money for you.
SARS tax refunds & compliance
We review up to five years of prior tax assessments to identify overpaid PAYE, incorrect assessments, and outstanding refunds. Our tax practitioners engage directly with SARS on your behalf.
Start a claim ›
Pension & provident fund recovery
We trace unclaimed pension and provident fund balances across all South African fund administrators. We handle all correspondence, claim submissions, and appeal processes.
Start a claim ›
Life, funeral & insurance claims
Many South Africans are beneficiaries of policies they don't know exist. We search insurer databases and the FSCA registry to identify and claim on your behalf.
Start a claim ›
Dormant accounts & investments
Banks and asset managers hold billions in dormant accounts. We identify and initiate recovery from banks, stockbrokers, unit trust companies, and the Registrar of Companies.
Start a claim ›
Deceased estate tracing
We assist executors and heirs in identifying all assets belonging to a deceased estate, including policies, accounts, and investments that may have been unknown to the family.
Contact us ›
Tax advisory & planning
Beyond recovery, our registered tax practitioners offer annual return filing, provisional tax management, and proactive planning to ensure you're never overpaying SARS again.
Enquire ›
About the FSCA

Protecting South African consumers

The Financial Sector Conduct Authority (FSCA) is the market conduct regulator of financial institutions that provide financial products and financial services in South Africa.

The FSCA's Unclaimed Benefits initiative helps South Africans trace and claim retirement fund benefits, insurance proceeds, and other financial assets that have not been claimed — ensuring that what is rightfully yours reaches you.

Secure
All identity and data processes are encrypted and POPIA compliant.
Transparent
Enquirers are treated fairly and kept informed throughout the process.
Accountable
All actions are recorded and auditable within the FSCA CRM system.
Fair Treatment
Every enquirer receives equal, unbiased assistance regardless of circumstance.
FSCA Financial Sector Conduct Authority
Contact the FSCA

Get in touch

The FSCA Unclaimed Benefits team is available to assist with your enquiry. All enquiries are handled confidentially and in accordance with POPIA.

UB
Unclaimed Benefits Unit
FSCA Enquiries
unclaimedbenefits@fsca.co.za
CC
Contact Centre
General Enquiries
0800 110 443 · Mon–Fri 8am–5pm
WW
FSCA Website
Online Resources
www.fsca.co.za
Get in touch

Contact us

The FSCA Unclaimed Benefits team is available Monday to Friday, 8am–5pm. All enquiries are handled securely and confidentially.

We're here to help

Whether you have a question about an unclaimed benefit, want to track an existing enquiry, or need assistance, reach out to the FSCA directly.

Toll-free
0800 110 443
Email
unclaimedbenefits@fsca.co.za
Head Office
Riverwalk Office Park, Block B
41 Matroosberg Road, Ashlea Gardens
Pretoria, 0081
Office hours
Monday – Friday: 8:00 – 17:00

Send us a message

✅

Message received

Thank you for reaching out. A FSCA specialist will respond to your enquiry within 4 business hours.

FSCA Unclaimed Benefits Enquiry

Submit your details and the FSCA system will search for any unclaimed benefits linked to your name.

This enquiry is on my own behalf.
I confirm I have the person's consent to submit this enquiry and will not share their information with any third party.

Your Details

Person Being Searched

I consent to the FSCA retaining my information, and to it being shared with the relevant fund administrator if a match is identified.