There is £89 billion sitting unclaimed in UK bank accounts, pensions, investments and life insurance. Not stolen. Not lost to fraud. Just undiscovered, because nobody left a map. That number is staggering and it points to a problem most of us prefer not to think about until we absolutely have to.
SuccessionKeeper is a private digital vault that lets you record where your financial accounts and assets are. No login credentials are ever requested and sensitive details such as account numbers and balances are entirely optional. Built by Peter Vulchev, formerly of BlackRock, Apollo and Lone Star Funds, and Deyan Nenov, whose software consultancy has served clients including Amazon and Autodesk – two professionals who needed exactly this tool themselves. It is designed to sit alongside your will rather than replacing it. A 14-day free trial is available at successionkeeper.com – no card required.
Unlike a spreadsheet or a PDF saved on your desktop, SuccessionKeeper does the work passively. Regular check-ins with you keep your record current. If you stop responding, your nominated people receive the information directly – no searching, no guesswork. It is a living record, not a forgotten document.
What SuccessionKeeper Actually Does for You
A Digital Inventory With No Bank Credentials Required
You log your accounts, pensions, ISAs, property, crypto, insurance and more by name and type – not by logging in. That means no screen scraping risk, no broken connections when a bank changes its interface, and no exposure if there is ever a breach. Your records stay accurate because you control them.
Custom Wellbeing Check-ins
You set the interval. Monthly, quarterly, whatever feels right. If you miss check-ins past a threshold you define, SuccessionKeeper contacts your primary nominee through a careful notification sequence before any data is released. The system is built around confirmed inactivity, not assumptions.
Security
SuccessionKeeper is built on Google Cloud infrastructure with AES-256 encryption and UK data hosting, and is fully GDPR compliant as a registered UK company. No login credentials are ever stored on the platform. Two-factor authentication is available via Google or Microsoft Authenticator.
Unlimited Nominees and Family Mode
You can nominate one person or many: a spouse, an executor, a solicitor or adult children. Family Mode gives both partners a shared view of household assets. Each member maintains their own account and controls their own records.
Secure Document Vault
Beyond account listings, you can upload important documents and leave private notes for yourself or your family. Think of it as a master index: nominees know exactly where the trail starts, even if they have never seen any of this paperwork before.
How One Family Avoided a Financial Search Party
Margaret, a 54-year-old HR manager in Leeds, spent a Sunday afternoon in March setting up her SuccessionKeeper vault. She had three pension pots from previous employers, a stocks and shares ISA, a rental property, and a term life insurance policy she had nearly forgotten about. None of these were linked in any single place. Her husband knew about the house. He did not know about two of the pensions.
By 4pm that day, Margaret had listed every account by provider name, added brief notes about where the paperwork was kept, and nominated her husband as primary contact and her eldest daughter as a secondary nominee. She set a six-month check-in interval.
Three weeks later, her husband asked where her ISA was held after a conversation about consolidating finances. She sent him the nominee link. He found every account listed clearly, no digging through old emails, no calls to providers. That was the outcome: not a crisis averted, but a quiet ten-minute conversation that would have otherwise taken days to reconstruct. The vault had already done its job before it was ever really needed.
How Setting Up Your Vault Actually Works
Step 1: Create Your Account
Sign up with your email and a strong password. You can opt in for two factor authentication. Your profile is personal, you stay in control, and can choose later whether to share visibility with a partner or family member under Family Mode. Either way, you are creating a private roadmap, not connecting live accounts.
Step 2: Add Your Accounts and Assets
List everything: banks, pensions, ISAs, crypto, property, insurance, business interests, and more. The goal is location and context, not live balances.
Step 3: Nominate Your People
Add a primary nominee who will be contacted first if you go quiet. Add as many additional nominees as you need. Verify their contact details inside the platform so nothing is delayed when it matters.
Step 4: Set Your Check-in Cadence
Decide how often SuccessionKeeper should hear from you, and how many missed check-ins should trigger the nominee notification sequence. You stay in control of the timeline throughout.
Pricing: One Plan for the Whole Household
SuccessionKeeper charges £4 per month or £39 if billed annually – cancel anytime. There are no tiered plans and no per-person charges. The pricing is built around privacy: a flat fee means your data does not need to generate revenue through advertising or resale. Your data is fully exportable at any time and you remain in full control of your records.
Who Should Be Using This Right Now
If you have more than two financial accounts, a pension from a previous employer, or any assets your family does not know about, SuccessionKeeper is worth your time. It is especially useful for anyone with cross-border assets, multiple pension pots, or a household where one person manages most of the finances. A free 14-day trial is available at successionkeeper.com – no card required.
