How dormant accounts can lead to liquidity growth
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Find lost inheritance left by your ancestors in financial institutions and change your life
Find lost financial assets
Search the global database of dormant accounts to discover unclaimed assets that may belong to you or your ancestors at institutions worldwide.
Ever wondered if your family held a fortune, forgotten by time?
Lost bank accounts or forgotten financial products. According to statistics, each 6th person has unclaimed patrimony left behind by their ancestors.
WIOLP is the only platform that allows you to find your lost patrimony and connect you with the financial institutions that hold it so you can claim it.
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Current number of published accounts
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New accounts every year
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The largest payout to a customer who found lost patrimony
How It Works
- Financial institutions join WIOLP: Banks and other institutions holding dormant accounts partner with us to securely share account information.
- Accounts are disclosed: These accounts are gradually published on our platform for a limited time (1-5 years), giving heirs a chance to find them.
- Search for your lost wealth: Simply enter your ancestor’s name and any other details you have. Our powerful search engine will scour the database for potential matches.
- Connect with the institution: If you find a match, easily connect with the relevant financial institution through our secure platform.
- Claim your patrimony: Work directly with the institution to verify your identity and claim your rightful patrimony.
WIOLP is the only platform that allows you to find your lost patrimony and connect you with the financial institutions that hold it so you can claim it.
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Current number of published accounts
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€
The largest payout to a customer who found lost patrimony
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New accounts every year
Days
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Some accounts expire
According to statistics, each 6th person has unclaimed patrimony
left behind by their ancestors but is unaware of it.
According to statistics, each 6th person has unclaimed patrimony left behind by their ancestors but is unaware of it.
Imagine discovering the lost patrimony of your ancestors. It could be an amount that changes your life and financial future.
Imagine the possibilities: a dream vacation, a debt-free future, buying a new house, or even the start of a study for your children.
WIOLP is the only platform that allows you to find your lost patrimony and connect you with the financial institutions that hold it so you can claim it.
Database in numbers
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Current number of published accounts
0
+
New accounts every year
0
€
The largest payout to a customer who found lost patrimony using WIOLP so far
Days
Hours
Minutes
Seconds
Some accounts expire
How It Works
- Financial institutions join WIOLP: Banks and other institutions holding dormant accounts partner with us to securely share account information.
- Accounts are disclosed: These accounts are gradually published on our platform for a limited time (1-5 years), giving heirs a chance to find them.
- Search for your lost wealth: Simply enter your ancestor’s name and any other details you have. Our powerful search engine will scour the database for potential matches.
- Connect with the institution: If you find a match, easily connect with the relevant financial institution through our secure platform.
- Claim your patrimony: Work directly with the institution to verify your identity and claim your rightful patrimony.
Don’t let your family’s patrimony slip away. Dormant accounts expire, and valuable information can be lost forever.
Don’t waste time and claim today what’s rightfully yours.
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BASIC ACCESS
FREE
.
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5 Preview Searches
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No credit card
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STANDARD ACCESS
€
69
.
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69 Searches
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Valid for 1 year
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- Create your free account and receive 5 preview searches. It is 100% free and you no credit card needed. During your search, you can upgrade to STANDARD ACCESS for full access and contact details for the relevant financial institution.
How to start
- Create your free account.
- Start searching by name of your ancestors.
- There are 5 Preview searches available.
- Try combinations of names to find a potential match.
- For full access, you can upgrade to STANDARD ACCESS.
- Start your search with 69 Searches, valid for 1 year. Once the initial 69 Searches are used up, you can increase this number by another 69 Searches, and continue your quest for lost patrimony.
How to start
- Order now and get access to our global database.
- Start searching by name of your ancestors.
- If you find a potential match, you'll get the contact information for the relevant financial institution that holds that account.
- You initiate communication with the financial institution to verify your identity and begin the process of claiming your lost patrimony.
How It Works
- Financial institutions join WIOLP: Banks and other institutions holding dormant accounts partner with us to securely share account information.
- Accounts are disclosed: These accounts are gradually published on our platform for a limited time (1-5 years), giving heirs a chance to find them.
- Search for your lost wealth: Simply enter your ancestor’s name and any other details you have. Our powerful search engine will scour the database for potential matches.
- Connect with the institution: If you find a match, easily connect with the relevant financial institution through our secure platform.
- Claim your patrimony: Work directly with the institution to verify your identity and claim your rightful patrimony.
STANDARD ACCESS
€
9
per Year
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Order now
Additional Searches: Purchase more searches (names) to expand your search potential.
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- Search: Each search allows you to search for 1 name or a combination of the name. The more names you search, the higher the chance of finding unclaimed inheritance. By purchasing additional individual Searches or Search Packages you can try combinations of names and variations in your ancestors’ spellings, nicknames, and middle names (e.g., John/Johny/Johannes SMITH or e.g. Michael Andrew HAIR/HIERS/HARES).
- Full Search Engine: Full Search Engine with Filters (e.g., nationality, date of birth, or last residence) allowing you to refine your results and pinpoint the most relevant matches.
- Record Matches: View and track your search history and potential matches.
- Save Names: Save searched names directly to your profile.
- AI Match Finder: To help you in your search, our AI Match Finder will suggest combinations of names that are relevant to you.
- AI Sam Assistant: Utilize our AI assistant for basic questions and search assistance.
- Select Button: Easily connect with the relevant financial institution for each potential match.
- Email Support: Get assistance from our dedicated support team via email.
- Guides and Tutorials: Access helpful guides and tutorials on using WIOLP and claiming your assets.
- Direct Help: Receive personalized guidance with claiming unclaimed assets (additional fees may apply).
- Notifications: Receive alerts for potential matches and important updates regarding your searches.
- Manual Searches: Conduct targeted searches by entering specific names and details.
- Automatic Searches: Saved names will be automatically searched every month across the entire database (additional fees may apply).
Find your lost patrimony and change your life
Educational videos
4 Videos
How to search?
In the registration records, including registration documents, often contain discrepancies in name spellings due to factors like:
- Recorder: The person recording the information might use their own spelling conventions.
- Period: Variations in language and writing styles were common across different historical periods.
- Origin: Names might be adapted to the language used in the document’s location.
It’s not uncommon for a single individual to have multiple recorded names. Examples include: Johannes/Janos/Jan/Joannes, or e.g. Rakoczi/Rakoczy/Rakocy, or e.g. Forgach/Forgacs/Forgac, or e.g. Raphanides/Raffanidesz/Rafanides. Additionally, second names like Anna Maria or Anna Carolina, or e.g. Yves Edgar might be present.
These variations stem from the limitations of the classical Latin alphabet in representing non-Latin sounds during the Middle Ages. Solutions like “ph = f,” “ie = í,” “eu = oj,” and “gy = ď” were used, further contributing to diverse spellings.
Searching Tips:
When researching historical records, be prepared to encounter various name variations. To maximize your search success, we recommend:
- Verifying all available details in the records.
- Trying different combinations of first and last names, considering the examples mentioned above.
By following these tips, you’ll increase your chances of finding relevant information about your ancestors despite the potential variations in their names.
Why name combinations are important?
When searching for unclaimed inheritance, considering name variations is crucial for maximizing your chances of success.
- Spelling Errors: Typos and inconsistencies are surprisingly common in historical records. Examples: “William” vs “Willem”, “Elizabeth” vs “Elisabet”, “Johnson” vs “Jhonson”.
- Nicknames: People often use nicknames throughout their lives. Examples: “John” might appear as “Jack” or “Johnny” in records, “Mary” as “Molly”.
- Middle Names: Middle names are sometimes omitted or abbreviated. Examples: “David A. Smith” could be listed as “David Smith” or “D. Smith”.
- Marriage and Divorce: Names may change due to marriage or divorce. Examples: “Sarah Jones” might become “Sarah Miller” after marriage, or revert back to “Sarah Jones” after a divorce.
- Translations: Names can be translated differently across languages. Examples: “Pedro” (Spanish) might be “Peter” in English records, “Anna” (German) might be “Anne”.
- Historical Record Keeping: Early record-keeping practices may have variations. Examples: Handwritten records can be difficult to decipher, leading to misinterpretations. Examples: “MacLachlan” might be “McLaughlin”, “Catharine” might be “Katherine”.
- Anglicized Names: Immigrants often anglicized their names for easier pronunciation. Examples: “Søren” (Danish) might become “Soren” or “Suran” in American records.
- Historical Changes: Spelling and naming conventions evolve over time. Examples: “Christian” might have been spelled “Christen” in older records.
By considering these variations and searching for all possibilities, you significantly increase your chances of uncovering hidden accounts under a slightly different name.
How to find the names of your ancestors?
If you are missing additional information about your ancestors, click on the link of our partners, e.g. MyHeritage or FamilySearch, where you can search for more information about your ancestors and then search again on our platform.
What should I do if I haven't found anything yet?
If you don’t find a match yet, it may be because you need to try other first and last name combinations, expand your search to include the names of other ancestors, or their account has not yet reached us. As our database changes due to new accounts entering it and some leaving due to expiration, it is important to keep searching.
How to proceed if I found an account?
If you find a match, click on the “Select” button and you will receive a contact for the relevant financial institution in your email, which you will contact and then communicate with. In order to identify you as an heir, the financial institution may demand from you e.g. registry records, death certificates, etc. You can get these from e.g. MyHeritage or FamilySearch.
Reasons and ways that lost patrimony
Great migration
Reasons for which people left their homes were different. Ones tried to run away from hunger, cholera, and poverty, while others tried to run away due to a lack of political or religious freedom. Some of them just wanted some adventure or look for opportunities to get rich quickly and easily in a new country. When they save some money, they send it to their birth country.
Politically exposed people
Practically, each adult can open an account in a financial institution. However, banks reserve their right to refuse clients. A bank can refuse to open an account to a so-called “politically exposed person“ whom a bank assumes could risk its reputation if such a person became their client. Therefore, these people open accounts in different countries which after they died were not included in their inheritance.
Geographic changes
Great political and social events inspired many people to make great decisions. Many people traveled to America, Asia, or Africa but also such migration was high within Europe, too. Stories about rich agricultural countries in Oregon or gold in California and Alaska made many people become pioneers who search better life. Some of them were not so lucky. They did not come back home and left their money in bank accounts.
Investments in different currency
Accounts in banks could also be opened due to the advantage of a particular currency with an idea to invest in such currency at a certain time.
Discover your ancestors
Don't know the names of your ancestors? Discover them and then find your lost patrimony.
Dormant accounts in cryptocurrencies
The world of cryptocurrencies has been hailed for its transparency,
Why dormant accounts will continue to arise in the future
As the world evolves, the phenomenon of dormant accounts is not only
Benefits for financial institutions
Global reach
WIOLP enables financial institutions to connect with potential clients/heirs located around the world, while also enabling individuals to locate and claim dormant accounts in multiple countries simultaneously.
Regulatory compliance
WIOLP allows financial institutions operating in different jurisdictions to simultaneously, actively disclose, and manage these dormant accounts, always in accordance with the regulations of the jurisdiction in which the specific account is located.
Publishing by the law
Unifies, standardizes, and solves the issue of publication. It allows publishing without breaching banking secrecy, personal data protection, or security protocols.
Increased liquid assets
The revived funds increase the institution’s liquid assets, which can be used for lending, investing, meeting short-term obligations, or meeting regulatory reserve requirements.
Customer retention and Cross-Selling
Customers can add funds to their accounts after reactivation, with Cross-Selling or improved services. More deposits enhance the loan-to-deposit ratio and strengthen liquidity.
Minimizing asset forfeiture
If dormant accounts are not revived in time, the funds may be escheated to the government. The reactivation retains funds within the institution.
Enhanced credibility
Gain recognition as a leader in transparency and responsible asset management, building trust with clients and regulatory bodies.
Generating new customers and revenue
Identifying the owner or heir allows financial institutions to acquire new clients and offer them additional products.
Database maintenance
Regularly updating and publishing lists of dormant accounts helps institutions reconcile their records and maintain a cleaner and more accurate database.
Reduction of costs
Centralizing the management of dormant accounts reduces the costs and administrative resources associated with contacting the rightful owners or their heirs.
Demonstrating search efforts
The ability for individuals to have a central global search is considered to demonstrate sufficient search effort for owners or heirs on the part of institutions.
Reducing the risk of legal challenges
A centralized global search for dormant accounts ensures transparency and effectively reduces the risk of legal disputes over unclaimed funds.
For consultations or integration support, reach out to WIOLP’s financial solutions team.
Ready to explore how we can help your financial institution? Fill out our brief questionnaire, and we’ll propose a solution.
The global population is expected to peak in 2086, reaching approximately
10,4 mld
In 2021,
76%
of adults worldwide had an account with a bank or other financial institution,
of which up to
26%
of accounts were dormant.
Examples of some countries:
• Singapore 300 million USD (3 largest banks)
• California 9 billion USD
• UK 15 billion Pounds
• India 26 billion Rupees
WIOLP supports a wide range of asset types, including savings, checking, fixed deposits, unclaimed dividends, insurance policies, retirement funds, cryptocurrency, and even real estate with unknown owners. It is therefore suitable for all types of financial institutions as well as for government organizations worldwide.
