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Coverage

Unclaimed property

Japan — dormant deposits (Act No. 101 of 2016, in force 1 January 2018)

NationalJPDerived or secondary source

Japan

Rule id
unclaimed.jp
Version
1.0.0
In force from
January 1, 2018
Last read against its sources
August 5, 2026
Countries bound
Japan

In plain language

What this regime says.

Since 2018 Japanese deposits untouched for ten years are transferred to the Deposit Insurance Corporation and used for public-interest activities — but the depositor can still claim repayment from the bank at any time, and many do every year.

Who is covered

Anyone who held a deposit at a Japanese financial institution, and their heirs.

What you get

Repayment of the deposit through the financial institution.

Where claims go wrong

  • Believing the transfer means the money is gone. Repayment is the design of the Act.
  • Underestimating the inheritance paperwork, which is the real obstacle in Japan.
  • Not looking for old passbooks, which are what make a claim straightforward.
The official claim route

Authority

Every citation,
with its pinpoint.

A claim that cites “EU law” gets filed. A claim that cites Article 7(1)(c) gets answered. These are the exact coordinates this entry rests on.
  1. Act on Utilization of Funds Related to Dormant Deposits to Promote Public Interest Activities by the Private Sector (Act No. 101 of 2016)Act No. 101 of 2016 (Japan)URL verified 2026-08-05public notice from nine years after the last transaction; transfer of deposits dormant for ten years to the Deposit Insurance Corporation of Japan; the depositor's right to claim repayment

Sources

Where a figure is indexed, converted or published by a regulator rather than fixed in the instrument, the provenance is recorded separately. Anything marked as a modelled estimate is exactly that — a model, not a statutory number.

What it imposes

Clocks, defences and the ladder.

A rule module builds these while it evaluates, because a limitation period depends on which forum is open to you. What follows is the structure this regime produces — deliberately with no dates and no figures, because those belong to your facts rather than to the law.

The clocks it starts

  • There is no deadline for claiming this propertyThis is the key protection in the Japanese scheme: a depositor who comes forward is repaid. The transfer to the Deposit Insurance Corporation does not extinguish the deposit — the financial institution repays the depositor and is reimbursed from the fund, and tens of billions of yen are repaid this way every year.Act on Utilization of Funds Related to Dormant Deposits to Promote Public Interest Activities by the Private Sector (Act No. 101 of 2016) — public notice from nine years after the last transaction; transfer of deposits dormant for ten years to the Deposit Insurance Corporation of Japan; the depositor's right to claim repaymentFiling window

What it entitles you to, beyond money

  • A right to reclaim that no delay defeatsThe administrator holds this property as custodian. It never becomes the state's money, so there is no point at which it becomes too late to ask, and a gap of decades is not an answer to your claim. Do not let anyone tell you otherwise — including a finder trying to create urgency.public notice from nine years after the last transaction; transfer of deposits dormant for ten years to the Deposit Insurance Corporation of Japan; the depositor's right to claim repayment
  • A route for heirs and estatesJapanese banks require the full inheritance documentation before releasing a deceased person's deposit: the family register (koseki tohon) covering the deceased's whole life, the registers of every heir, and the division agreement or its equivalent. Assembling the koseki is the slow part; start it first.public notice from nine years after the last transaction; transfer of deposits dormant for ten years to the Deposit Insurance Corporation of Japan; the depositor's right to claim repayment
  • A free search of the official registerSearching the financial institution that held the account costs nothing and requires no account, no fee and no intermediary. Search under every name you have used.

What the other side will say

Each of these is a refusal this regime lets a counterparty attempt, paired with the answer to it. Reading them before you write is worth more than any amount of polish on the letter itself.

A "recovery agent" or "asset locator" contacts you first

high likelihood

A firm writes or calls saying it has located money in your name and will recover it for a share — commonly a quarter to a half — and asks you to sign a locator agreement before it will tell you where the money is or who holds it.

What answers it

Every register in this product is free to search and free to claim from, and the office holding the money will not pay a finder any faster than it pays you. You do not need to know where the money is to find it: search the official portal for your own name. If you have already signed, check the statutory finder rules for the jurisdiction — most void an agreement made within a defined window after the property reached the administrator and cap the fee thereafter, and an agreement that breaks those rules is unenforceable against you.

"The owner is deceased and you have not proved you are entitled"

high likelihood

The register holds property in a dead relative's name and the administrator asks for grant of probate, letters of administration or an equivalent that the family never obtained because the estate looked too small to be worth administering.

What answers it

Ask the office what its small-estate route is before you pay for probate. Most administrators will pay a modest sum to a surviving spouse or next of kin on an affidavit of heirship, a death certificate and proof of relationship, precisely because requiring a grant for a small balance would mean nobody ever claims it. Where the sum is large enough to need a grant, the existence of the asset is itself the reason to obtain one.

"We cannot match you to this record"

high likelihood

The administrator cannot tie the claimant to the reported owner because the address on the holder's record is decades old, the name is spelled differently, or a middle initial is missing.

What answers it

This is an evidential problem, not a refusal, and it is solved with documents rather than argument. Send whatever ties your identity to the address the holder reported: an old driving licence, a utility bill, a tax return, a lease, a bank statement, a marriage certificate for a name change, or a sworn statement where nothing else survives. Ask the office in writing which specific element it cannot match so you answer the actual gap rather than resending what it already has.

Where to take it next

  1. Search the financial institution that held the account yourselfStart here, before anything else. Search every version of your name, former names, common misspellings, and the names of deceased relatives whose estate you may share in. Note the record reference for anything that matches.Claim directtypically 1 daysofficial page
  2. Ask the holder directly for anything not yet reportedProperty only reaches the register after the dormancy period, so the most recent money is still with the bank, insurer, employer or company that owes it. Write to them as well as searching the register, and ask specifically whether they hold any balance, dividend, refund or benefit in your name and whether it has been reported as unclaimed.Claim directtypically 30 days
  3. File a claim with the financial institution that held the deposit, with the money in the Dormant Deposits Management Account at the Deposit Insurance Corporation of JapanThe claim form is free. Send it with proof of identity and proof of the connection between you and the address the holder reported. Keep a copy of everything you send and note the claim reference.Regulatortypically 90 daysofficial page
  4. Challenge a refusalBinding on themA refusal is an administrative decision, and administrative decisions can be reviewed. Ask in writing for the reason and for the internal review or appeal route, in that order. Only a very small number of unclaimed-property claims ever need a court, and almost all of those are disputes between rival claimants to the same estate rather than fights with the administrator.Court

Documents

What this regime can produce.

Every one of these is a document you send yourself, in your own name. Duesday never writes to anybody on your behalf and is never anyone’s agent.

The same claim type elsewhere

England & Wales — unclaimed estates and bona vacantia (Administration of Estates Act 1925 s. 46)GB-EAWSub-nationalUnited KingdomAdministration of Estates Act 1925 (c. 23), s. 46(1)(vi)Confidence: mediumFrance — comptes inactifs et contrats en déshérence (loi Eckert; Ciclade)FRNationalFranceCode monétaire et financier, art. L. 312-20Confidence: highDeutschland — nachrichtenlose Konten (no central register; claim against the bank)DENationalGermanyBürgerliches Gesetzbuch, §§ 195, 199Confidence: lowIreland — dormant accounts and unclaimed life assurance (Dormant Accounts Act 2001)IENationalIrelandDormant Accounts Act 2001 (No. 32 of 2001)Confidence: mediumItalia — rapporti dormienti e il Fondo presso CONSAP (L. 266/2005, art. 1, commi 343–345)ITNationalItalyLegge 23 dicembre 2005, n. 266, art. 1, commi 343–345Confidence: mediumNederland — slapende tegoeden (bank and insurer registers; no statutory escheat)NLNationalNetherlandsBurgerlijk Wetboek, Boek 3, art. 3:306 and 3:307Confidence: lowEspaña — saldos y depósitos abandonados (Ley 33/2003, art. 18)ESNationalSpainLey 33/2003, de 3 de noviembre, del Patrimonio de las Administraciones Públicas, art. 18Confidence: mediumSwitzerland — dormant assets at Swiss banks (Banking Act art. 37m; Banking Ordinance arts. 45–59)CHNationalSwitzerlandBundesgesetz über die Banken und Sparkassen (Banking Act), art. 37mConfidence: medium

Other rights in the same countries

Japan — Act on Specified Commercial Transactions and the final-confirmation-screen rulesJPNationalJapan特定商取引に関する法律 (Act on Specified Commercial Transactions), Act No. 57 of 1976Confidence: mediumJapan — filed conditions of carriage, the Consumer Contract Act and the Montreal ConventionJPNationalJapan航空法 第106条 (Civil Aeronautics Act, Art. 106 — filed conditions of carriage)Confidence: mediumJapan — Installment Sales Act connection of defences and Specified Commercial Transactions ActJPNationalJapan割賦販売法 第30条の4 (Installment Sales Act, art. 30-4)Confidence: mediumJapan — Japan PostJPNationalJapanPostal Act (Act No. 165 of 1947) and Japan Post's service termsConfidence: lowJapan — JR delay certificates (遅延証明書) and limited express-charge refundsJPNationalJapanCarriers’ published conditions of carriage (運送約款)Confidence: lowJapan — tax-inclusive price display and misleading representationsJPNationalJapanAct against Unjustifiable Premiums and Misleading Representations (Act No. 134 of 1962), art. 5Confidence: mediumJapan — the national fee schedule and the high-cost medical expense benefitJPNationalJapanHealth Insurance Act (健康保険法) and the National Health Insurance Act (国民健康保険法)Confidence: lowJapan — two-stage collective consumer redressJPNationalJapanAct on Special Provisions of Civil Procedure for Collective Recovery of Property Damage Incurred by Consumers (Act No. 96 of 2013)Confidence: low

Does this one reach your facts?

The engine runs every regime that could apply at once and reconciles them, rather than making you guess which page to read.

Not a law firm. Not legal advice. You send it yourself. This page describes a law; it is not advice about your situation and no outcome is promised.