How to Recover Unclaimed Money in Australia
A simple step-by-step process for recovering unclaimed money in Australia.
We guide you through each step of the process, from initial search through to recovery.
No win - no fee
No upfront costs
Step 1 - Contact
Getting started is simple and obligation-free
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If you’re looking to recover unclaimed money in Australia, you can begin with a simple, no-obligation free search.
Submit your details through the Find My Money form, and we’ll check whether unclaimed money in Australia or New Zealand may be linked to your name.
There’s no cost to check, and you’re under no obligation to proceed if funds are identified. At this stage, we simply confirm whether a claim may be worth pursuing.
Step 2 - Letter of Authority
Your written consent allows us to act on your behalf.
If unclaimed money in Australia or New Zealand is identified, we’ll ask you to complete a simple Letter of Authority so we can act on your behalf.
This allows us to request information and manage the claim directly with the relevant organisation, while handling your information securely and in line with Australian requirements — so you don’t have to deal with multiple authorities yourself.
You’ll receive the document to review before anything is submitted, and you can decide whether you’d like to proceed.
Our fee is 20% (plus GST) of any funds successfully recovered. If no money is recovered, no fee is payable.
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No upfront costs
No win - no fee
Step 3 - Review
We carefully review and verify all documentation before proceeding.
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Once your Letter of Authority is completed, we review your details and supporting documents to ensure everything is accurate and ready to proceed.
Any personal information and identification documents are uploaded through a secure, encrypted client portal, so your information is handled safely and confidentially.
We confirm identity, entitlement and any additional details required to support the claim. If anything further is needed, we’ll contact you and guide you through it. Nothing is submitted until everything is ready.
Step 4 - Claim
We lodge and manage the claim on your behalf.
Once everything has been reviewed and confirmed, we lodge your unclaimed money claim on your behalf with the organisation holding the funds.
We handle all paperwork, correspondence and follow-ups throughout the process, including responding to requests and providing any additional information required.
This means you don’t need to manage the process yourself or deal directly with multiple organisations.
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Step 5 - Communication
We keep you informed throughout the process.
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Once the claim has been lodged, we manage all communication with the organisation holding the funds on your behalf.
This includes responding to enquiries, providing any additional information required, and following up on the progress of your claim.
We keep you informed of any updates along the way and let you know if anything further is needed. You won’t need to contact the organisation directly unless we specifically advise you to.
Timeframes for unclaimed money claims can vary depending on the organisation and the type of claim. Some claims are resolved within weeks, while others may take longer. Throughout this stage, we ensure any requests are handled promptly so the process continues moving forward.
VIDEO TRANSCRIPT Once a claim is submitted, the holding authority reviews the documentation and verifies eligibility before any funds can be released. Processing timeframes are controlled entirely by the holding authority and vary depending on the type of claim and the verification required. In some cases, the holding authority may request additional information during their review. When this happens, the holding authority’s processing timeframe begins again once the requested information is received. This is a normal part of regulated verification procedures and ensures funds are released only to the rightful owner. Because of this, total recovery time can vary depending on the holding authority’s review process and any additional verification required. My Refund Finder manages all communication with the holding authority on your behalf and ensures any requests are handled promptly and correctly. We will keep you informed throughout the process until the claim is finalised.
Step 6 - Refund
Recovered funds are paid to you securely and transparently.
Once your claim has been finalised and the funds are released, the recovered money is paid to you.
Depending on the organisation, funds may be issued directly to you or processed via our trust account in line with applicable requirements.
Our fee is only deducted after funds have been successfully recovered. You’ll receive clear confirmation of the total amount recovered and the final payment made to you.
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