How to Find All Bank Accounts in Your Name in the UK

There is no public UK database where you can enter your name and see every current account, savings account and ISA you have ever held.

Finding all accounts in your name usually means combining several sources: your own records, credit reports, known providers and the free My Lost Account tracing service for accounts you have lost track of.

Use this sequence:

1. list every bank and building society you remember using;
2. check email, statements, cards, Direct Debits and tax records;
3. download your statutory credit reports from Experian, Equifax and TransUnion for extra clues;
4. contact known providers directly and ask what accounts remain open or closed in your name;
5. use My Lost Account if you no longer know which bank or building society holds the account; and
6. use NS&I's own tracing route for lost Premium Bonds and other NS&I products.

My Lost Account says that if you already know the provider, you should contact it directly. Its search is for tracing UK personal accounts you have lost track of, not a live master register of every financial account.

UK banks and building societies hold their own customer records.

Credit reference agencies hold credit information, but they do not operate a complete register of every deposit account.

Open Banking can show accounts you deliberately connect, but it is not a discovery service for unknown accounts.

That means no single legitimate tool can guarantee a complete list of:

• current accounts;
• savings accounts;
• Cash ISAs;
• fixed-term savings;
• building society accounts;
• NS&I products; and
• historic closed accounts.

Be wary of websites claiming they can instantly search "all bank accounts in your name" for a fee.

Start with the records most likely to expose accounts you have forgotten.

Search:

• email for bank names, "welcome", "statement", "interest", "maturity" and "ISA";
• old paper statements;
• debit cards and cheque books;
• tax documents showing savings interest;
• standing orders;
• Direct Debits;
• saved payees in other bank apps;
• salary records;
• budgeting apps; and
• password-manager entries for banks.

One bank's transaction history can reveal regular transfers to another account you have forgotten.

For example, a monthly transfer labelled with a bank name and reference can identify a savings account even if you no longer have the original paperwork.

Your credit reports can provide useful clues, especially for current accounts with overdrafts or other products reported as credit.

Check:

• open current accounts;
• overdrafts;
• closed accounts;
• account start dates;
• balances where reported; and
• the lender or banking group name.

But do not treat a credit report as a complete bank-account list.

Pure savings accounts are not automatically reported simply because you hold money there.

Our guide explains how to get your free statutory reports from all three CRAs.

If you remember the provider, go directly to it.

Ask:

"Can you confirm what accounts you currently hold, or can still identify historically, in my name?"

Be ready to provide:

• current name;
• previous names;
• current address;
• previous addresses;
• date of birth;
• old sort code or account number if known; and
• approximate years you banked there.

The bank will need to verify your identity before discussing account information.

If you know the bank but have lost the number, see how to find an old bank account number.

My Lost Account is the free central tracing service for lost UK bank, building society and NS&I products.

Its current guidance says:

• if you know the bank or building society, contact it directly first;
• if you do not know which provider holds the account, use the tracing service; and
• the service is for UK-based personal accounts.

The service sends the information you provide to the providers you select so they can search their records.

Give as much accurate historic information as possible:

• old names;
• old addresses;
• branch;
• approximate account opening date;
• approximate last-use date;
• account number or sort code if remembered; and
• likely provider.

There is no fee.

If the missing money may be:

• Premium Bonds;
• Direct Saver;
• Income Bonds;
• old savings certificates; or
• another NS&I product,

NS&I has its own tracing service.

My Lost Account also covers NS&I tracing, but where you already know the product or have a holder/account number, approaching NS&I directly is usually the clearest route.

Our dedicated guide explains how to trace lost Premium Bonds and unclaimed prizes.

Potentially, if the bank still holds the relevant personal data.

A subject access request gives you the right to obtain a copy of personal information an organisation holds about you.

It can help where:

• front-line support cannot find an old account;
• you need historic account details;
• you need an opening or closure date; or
• records exist under an old name or address.

It does not force the bank to recreate data it no longer retains.

For a more focused use of this route, see how to find when you opened a bank account.

An account can become dormant after a long period without customer activity.

Money transferred through the UK dormant-assets system is not simply lost forever. The customer's right to reclaim remains.

Start with the original bank or tracing service rather than trying to contact the Reclaim Fund as though it were a searchable consumer account database.

Our guide to lost savings accounts and dormant assets covers the process.

There is no general bank-account registry that lets consumers use a National Insurance number to retrieve every account.

Banks identify customers using their own records and identity checks.

Do not provide sensitive identity information to an unofficial tracing website that claims it can search the entire banking system.

Use regulated providers and the established free tracing services.

That is a different problem from forgetting one of your own accounts.

If a credit report shows a current account, overdraft or credit product that you did not open:

1. contact the bank named on the record;
2. tell it you do not recognise the account;
3. check all three credit reports;
4. secure your existing accounts;
5. dispute incorrect credit-file information; and
6. follow identity-fraud reporting steps.

See someone took credit in your name.

Once you find the accounts, create one simple record:

Do not store full account numbers and passwords together in an unsecured note.

The purpose is to stop the same problem happening again.

Browse all our savings guides.

• My Lost Account — Start a search
• My Lost Account — About the service
• Information Commissioner's Office — Credit
• Information Commissioner's Office — Subject access requests

Related: Find an Old Bank Account Number | Check Whether an Old Account Is Still Open | Lost Savings Accounts.