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Europe
Unclaimed assets in Germany
HardData confidence Last updated 2026-07-01
45
Estimated unclaimed
€2B+ (est.)
≈ $2B · EUR
Government authority
Individual banks & insurers; BaFin oversight
Official search
Direct enquiry to bank / insurer
Overview
Germany has no central unclaimed-assets register. Dormant accounts and matured insurance remain with the institution; heirs typically must approach each bank or insurer directly, often via the Deutsche Kreditwirtschaft's account-search service for estates. Regulator BaFin oversees conduct but does not custody funds. Estimates are indicative only.
Asset types held
Dormant accountsLife insuranceBuilding-society (Bausparen)
Documents you'll typically need
- Photo ID
- Certificate of inheritance (Erbschein) for heirs
- Death certificate where applicable
Common mistakes
- • Expecting a single national search — none exists
- • Not using the banking-industry estate account search
Success tips
- • Use the Deutsche Kreditwirtschaft estate account-search for a deceased relative
- • Keep the Erbschein ready
Frequently asked questions
Keep your own assets findable
LifeWyn records what you own and who should inherit it — so your family never has to hunt through Germany's registries.