A look at SuccessionKeeper, the UK-built private financial inventory: record where accounts, pensions and policies are held, nominate who should know, and a careful five-week release process.
A will can say who should inherit. It often can't tell them where everything is.
Most households run on one person's memory: which bank holds the savings, where the old workplace pension went, which insurer has the life cover, where the deeds are kept. If that person is suddenly unavailable, the family is left piecing a financial life together from paperwork and providers they didn't know existed.
SuccessionKeeper is built for exactly that gap. It's a private, UK-built record of where your accounts, pensions, policies and documents are held, so someone you trust knows where to start.
TL;DR: SuccessionKeeper is a private financial inventory, not a banking app. You record where things are held, choose who should receive that information, and set how often it checks in with you. If you ever stop responding, a careful five-week process begins, and only if it completes are your nominees sent a structured summary. It never connects to your bank, never asks for passwords and can't move money. It costs £4 a month or £39 a year, after a 14-day free trial with no card needed.
The problem: you can't look for something you don't know exists
Financial information is rarely lost. It's scattered across providers, paperwork, inboxes and old accounts, and usually one person holds the clearest picture of it. Most providers will help a family once they're asked. The hard part is knowing who to ask.
SuccessionKeeper's own Financial Preparedness Survey of 1,006 UK adults (June 2026) puts numbers on it:
- 1 in 3 rely on "my partner knows everything".
- 52% said they are the sole manager of their household's financial administration.
- 1 in 5 have already had to untangle a relative's affairs.
What SuccessionKeeper is, and what it isn't
SuccessionKeeper is a secure record of where things are held, not how much is in them. You can record bank accounts, pensions, ISAs, properties, insurance policies, business interests, crypto wallets, premium bonds and anything else you want your family to know about.
What it deliberately doesn't do is just as important:
- No bank connections. It doesn't link to your bank or any financial provider.
- No passwords. It never asks for logins, PINs or crypto seed phrases.
- No money movement. It can't move, transfer or close any account.
- No advice. It doesn't offer will-writing, legal advice or investment advice.
Account numbers and current values are optional. The point is location, not balance.
How it works
Setting up takes about 20 minutes the first time, and you don't have to finish in one go.
- Create your account. Sign up with your email. No bank or payment details are needed during the trial.
- Add your accounts and assets. Record the provider and account type, plus any notes or instructions you want to leave, such as "this is the pension from my first job". You can attach scanned documents to the encrypted vault.
- Nominate the people who should know. Add family, executors, trustees, business partners or your solicitor, with no limit. One of them is your primary nominee, the person contacted first.
- Set your check-in rhythm. Choose how often SuccessionKeeper asks you to log in and confirm your records, anywhere from monthly to yearly (it recommends every 3 months), and how many check-ins you can miss before anyone is contacted (it recommends 2).
Most people add their main accounts first, then fill in the longer tail, like old pensions and dormant savings, over a few weeks.
The wellbeing protocol: careful by design
The most important thing a service like this can do is not release information when it shouldn't. SuccessionKeeper's five-week wellbeing protocol is built around that:
| When | What happens |
|---|---|
| Week 0 | After your chosen number of missed check-ins, you get a clearly labelled final warning email. |
| Week 1 | Your primary nominee is emailed and asked to nudge you to log in. Nothing else is shared. |
| Weeks 2–4 | Weekly contact with your primary nominee continues. Logging in at any point resolves everything. |
| Week 5 | The last week of outreach. If you log in, the process stops immediately. |
| After | Only if it's still unresolved do your nominees receive a structured summary. |
The process is triggered by inactivity, not by a death certificate. SuccessionKeeper doesn't make medical or legal judgements about you; it only notes that you've stopped responding.
You can also run a preview release at any time to see exactly what your nominees would receive, and even share a sample with them so they know what to expect, without triggering anything.
What your nominees receive, and what they never do
The release is a map your family can actually use, not an open door.
What nominees receive:
- A list of the institutions where you held accounts
- Asset categories, such as banking, pensions, property, investments and crypto
- Account numbers and last known values, only if you chose to record them
- Your notes and instructions
- Any documents you attached
- Contact details for your professional advisers
What they never receive:
- Login credentials or passwords
- Bank PINs or the ability to make transactions
- Crypto private keys or seed phrases
- Any way to move, transfer or close an account
- Decision-making authority, which stays with your executors and the courts
Nominees never get a login to your SuccessionKeeper account. They only ever see the structured summary, and only after the full process completes.
Security and privacy
For a product like this, trust is everything. SuccessionKeeper's security page sets out how it protects your record:
- AES-256 encryption for your data at rest, with TLS in transit.
- Hosted in the UK in Google Cloud UK data centres, and UK GDPR compliant.
- Zero-access approach: the team doesn't read, edit or share your entries.
- No master password stored on its servers.
- Your data, your control: download all of it or delete it permanently at any time.
SuccessionKeeper is also a UK registered company.
Pricing: one plan, everything included
There are no tiers and no upsells. As SuccessionKeeper puts it, the thing that protects your family's financial future shouldn't be priced like enterprise software.
| SuccessionKeeper | |
|---|---|
| Price | £4 a month, or £39 a year (saves £9) |
| Free trial | 14 days, full access, no card needed |
| Accounts and assets | Unlimited |
| Nominees | Unlimited |
| Included | Document vault, multi-currency support, family-linked accounts, the wellbeing protocol, custom check-in frequency, preview release, activity log and email support |
| Your data | Download all of it, or delete it permanently, any time |
You can cancel in one click from your account settings. If pricing ever changes, existing customers get 90 days' notice and the option to lock in their current rate. See the pricing page for details.
Who it's for
SuccessionKeeper is for individuals, couples and families, and it's especially useful at the moments when financial life gets more complicated:
- Changing jobs: an old workplace pension can stay with its provider long after you leave.
- Buying a home: the mortgage, deeds, buildings insurance and life cover all arrive at once and end up in different places.
- Having a child: the people who would step in need to know what already exists.
- Getting married: a natural point to review wills, pension nominations, insurance and beneficiaries.
- Helping a parent: start while they can still explain what exists and where it's held.
Try the 2-minute check
Not sure how prepared you are? SuccessionKeeper's homepage has a free five-question check that shows how easily someone you trust could find your financial information. It needs no email or sign-up, and nothing is stored.
The bottom line
SuccessionKeeper solves a quiet but very real problem: the gap between what you know about your finances and what your family would be able to find. It does it without touching your money, your bank logins or your passwords, and with a release process designed to wait rather than rush. At £4 a month, with everything included and a free trial with no card, it's an easy step to take today.
Take the check or start your free trial at successionkeeper.com.
Building SuccessionKeeper: a UK-based encrypted vault for your financial accounts and documents, shared with people you choose only if you stop responding.
Sponsored: the team behind SuccessionKeeper paid for this post. It was written with FoundrList's AI launch agent from their own details and reviewed by FoundrList before publishing. Editorial policy
