Written by Swikblog

Forgotten refunds, lost bank accounts, unclaimed super and more can quietly pile up when people move house, change names, or lose paperwork. The good news: checking is free, and claiming is often straightforward.

If you’ve ever switched banks, moved interstate, changed your name, or lost track of old accounts, there’s a real chance money is sitting somewhere under your name. In NSW, one of the key places to search is the official Revenue NSW unclaimed money register, which exists specifically to help return funds to the rightful owner.

Importantly, NSW isn’t the only place unclaimed money can appear. Some “lost money” is held at the Commonwealth level (for example, old bank accounts, shares, and life insurance proceeds) and can be checked via ASIC’s MoneySmart database.

What counts as “unclaimed money” in NSW?

Revenue NSW explains that money can go unclaimed for very normal reasons: a change of address, a change of name, missing documents, or simply forgetting about an entitlement. Revenue NSW holds these funds and provides a way to search and submit a claim.

Examples can include refunds, unpresented cheques, or other amounts that ended up with Revenue NSW after an organisation couldn’t contact the owner. (If you’re unsure whether your situation fits, it’s still worth doing the search because it’s quick and free.)

How to check unclaimed money in NSW (step-by-step)

1. Start with the official NSW register. Go to the Revenue NSW unclaimed money page and use the search function to look up your name (and known variations).
2. Try different versions of your details. If you’ve changed your surname, include former names. Also consider initials or middle names if you’ve used them on past accounts.
3. If you find a match, begin a claim. Revenue NSW provides guidance to start a claim, check your claim status, and understand what documentation may be required.
4. Prefer going through Service NSW? Service NSW also explains how to find and claim lost money held by Revenue NSW, and notes it’s free to search and claim.

Tip: if you’re checking for family members (for example, a parent who has passed away), you may need additional documents to show authority to act on their behalf. Keep digital copies ready (ID, proof of address, and any supporting paperwork you still have).

Don’t stop at NSW: check national databases too

Even if nothing appears on the NSW register, many Australians have money sitting elsewhere. ASIC’s MoneySmart “find unclaimed money” search covers categories like old bank accounts, shares/investments, and life insurance policies that become unclaimed after set periods of inactivity or lack of contact

And then there’s lost or unclaimed superannuation. MoneySmart notes there’s a substantial pool of lost and unclaimed super in Australia and recommends checking through your myGov account linked to ATO online services.

How to check lost super (fastest method)

The simplest path for most people is to log into myGov and open ATO online services, where you can view super accounts and search for lost/ATO-held super. The ATO also provides guidance on “searching for lost superannuation,” including how ATO-held super appears and what to do next.

Why this matters: multiple super accounts can quietly drain fees. If you find an old account, you may be able to consolidate (always read the implications for insurance inside super first).

Watch out for scams (this is crucial)

Whenever “free money” stories trend, scammers follow. Stick to official government pathways (Revenue NSW, Service NSW, ASIC MoneySmart, and ATO/myGov). Be wary of anyone who:

• Demands an upfront “processing fee” to access your money
• Asks for your full passwords, SMS codes, or remote access to your phone
• Pressures you to act immediately via a link sent by text or social media

Quick checklist before you search

• Current name + any former names
• Past addresses (even approximate suburbs help you recognise a match)
• Old bank names, super funds, employers, or insurers
• A few minutes to run searches across NSW + national databases

If you’re building a personal “money admin” routine for the year, keep this guide bookmarked on Swikblog and re-check after big life changes (new job, move, marriage, name change).

You may also like

More trending explainers and quick-read updates on Swikblog.

Make Swikblog your go-to source on Google for reliable updates, smart insights, and daily trends.