- Banking claims subject to lapsing are any amount (such as deposits or intakes) showing no movement or that has not been collected in two years.
- The Commission built a database based on information submitted by supervised banks and financial institutions, which is available on acreencias.cmfchile.cl.
March 17, 2022 - The Financial Market Commission (CMF) reports that information on banking claims subject to lapsing is now available to the public.
Every January banks must compile a list of banking claims subject to lapsing that have not registered any movements for two years during the immediately preceding calendar year. These two years are counted from the date on which the claim should have been collected by its beneficiary, or from the date on which the last withdrawal was recorded. Additionally, all banks must publish their lists of all claims worth over 5 Unidades de Fomento (UF) in the Official Gazette during March.
Should these amounts not be collected by their beneficiaries within three years after the respective listings were published by banks on January 31 of each year, the claims will lapse. Financial institutions must then pay such amounts to the Treasury.
The CMF built a database with information submitted by supervised banks and financial institutions, which is available on acreencias.cmfchile.cl.
154,401 claims totaling over 98 billion Chilean pesos and corresponding to amounts showing no movement since 2019 were published this year by 13 banking institutions. The amounts involved include CLP 85.5 billion, USD 15.7 million, and EUR 213,000 - among other currencies.
Overview of 2022 Banking Claims
|
Bank |
Claims |
Total in CLP |
Total in USD |
Total in EUR |
|---|---|---|---|---|
|
Banco de Chile |
30,123 |
23,108,938,682 |
11,372,342.50 |
25,623.08 |
|
Banco Internacional |
182 |
577,657,932 |
0.00 |
0.00 |
|
Scotiabank |
18,675 |
9,382,618,492 |
983,279.67 |
39,293.63 |
|
Banco BCI |
14,111 |
10,270,413,392 |
327,004.98 |
0.00 |
|
Banco BICE |
1,574 |
1,552,942,758 |
838,928.87 |
78,540.98 |
|
Banco Santander |
25,426 |
20,809,255,511 |
1,470,921.82 |
32,679.91 |
|
Itaú-Corpbanca |
13,757 |
5,767,056,292 |
435,577.31 |
31,650.56 |
|
Banco Security |
893 |
1,002,262,735 |
32,598.00 |
5,522.70 |
|
Banco Falabella |
15,503 |
926,392,507 |
0.00 |
0.00 |
|
Banco Ripley |
27 |
69,599,165 |
0.00 |
0.00 |
|
Banco Consorcio |
2,644 |
747,313,835 |
101,321.57 |
0.00 |
|
China Construction Bank, Agency in Chile |
32 |
17,109,920 |
188,821.81 |
0.00 |
|
Banco del Estado de Chile |
31,454 |
11,313,210,806 |
0.00 |
0.00 |
|
Total |
154,401 |
85,544,771,627 |
15,750,796 |
213,311 |
Source: CMF, based on information submitted by banks during February 2022.
List of beneficiaries and how to claim the money
To check if you have any banking claims, enter your name in the Commission's dedicated search engine. In case it shows a claim in your favor at any bank, go directly to any branch of said institution with your ID card to collect the indicated amount. Both the information queries on the website and the claim procedures at each bank are free of charge and done personally.
