Always on
The emergency card
Next of kin, GP, your solicitor, and where the will is kept. No account numbers.
Visible from the day you name them
A living record of your affairs
Keep hold of
what matters.
A single, current record of your accounts, policies and paperwork — so if illness or injury means you can’t manage them yourself, the people you trust can act straight away, instead of guessing.
Being built in the UK, with a small number of people, before it opens up. Parts of what follows work today and parts are still ahead — each one says which.
A will says who gets what. An LPA says who can act. Neither says where anything is.
The gap nobody plans for
Most planning is built around death. The harder stretch is often the years before it — a stroke, a diagnosis, a fall — when someone is still very much here, and their affairs still need running.
Authority without information
A registered LPA gives an attorney the legal right to act. It doesn’t tell them there’s a second pension, or which account the council tax leaves from. That part is a search through drawers.
Then the chase begins
Every provider has to be notified separately, each with its own forms and evidence. It routinely takes months, and it lands on someone already coping with a great deal.
What it holds
Everything that keeps a household running.
Names first, detail later. You don’t do it in an evening — you build it up as bills and letters come past, and it stays useful because it stays current.
Money
- Current & savings accounts
- ISAs and investments
- Workplace pensions, DC and DB
- State Pension
- Premium Bonds
- Mortgage, loans, credit cards
Cover
- Buildings & contents
- Life and critical illness
- Car and breakdown
- Travel and health
- Pet
The household
- Energy and water
- Council Tax
- Broadband and mobile
- TV Licence and streaming
- Subscriptions that quietly renew
Papers & people
- Will, LPA, deeds
- Solicitor, accountant, adviser
- Next of kin
- Digital accounts and devices
We hold account numbers and references in full, because an attorney needs them to get anywhere with a provider. We never hold your usernames or passwords — Keepholt is a record of where things are, not a way into them.
How it works
Three steps, over as long as you like.
This is the product we’re building. The first step works today; the other two are what the early group is helping us get right.
01
List what you have Working now
Work down a prompted checklist and name the providers — just the names. Most people find they've forgotten two or three things until they see the list.
02
Photograph a bill instead of typing it Still to build
Point your phone at a statement or renewal letter. The account number, reference and renewal date are read off and put in the right place for you to check.
03
Say who can see what, and when Being built
Name the people you trust. Decide what they can see today, and what only opens if you can no longer manage things yourself.
Who can see it
Nothing opens before it should.
Naming someone doesn’t hand them your financial life. Access arrives in stages, and the stage that matters only opens against a genuine, registered legal authority.
If you choose
A shared view
Which providers you're with, so a spouse or attorney can find their way around. Numbers stay masked.
On while you manage your own affairs
On verified authority
Full detail
Complete account numbers and references — everything needed to deal with a provider.
Opens against a registered LPA
An attorney proves their authority with the access code issued by the Office of the Public Guardian — the 13-character code in the form V‑AB12‑CD34‑EF56 that banks and doctors already accept. We check the authority is real rather than trying to judge for ourselves whether someone has lost capacity. While you still can, you’re told of a request and have time to decline it.
Working now The tiers themselves. What each person can see is decided in the database on every single request, not by the screen they happen to be looking at.
Still to build The Office of the Public Guardian check that opens the top tier. Until it’s in, nothing reaches full detail on the strength of an LPA alone.
For the person doing the work
The part that actually eats the months.
Holding an LPA isn’t the hard bit. Registering it with every provider, one at a time, is. Keepholt keeps that whole chase in one place, so nothing sits forgotten.
Registering an LPA — example Still to build4 of 11 providers accepted
| Provider | What they need | Sent | Status |
|---|---|---|---|
| Nationwide | Branch visit, certified copy | 14 Aug | Accepted |
| Aviva (pension) | OPG access code | 14 Aug | Accepted |
| Octopus Energy | Online form | 22 Aug | Accepted |
| Cherwell District Council | Letter plus evidence | 22 Aug | Chased twice |
| NS&I | Own form, posted | 1 Sep | Awaiting reply |
| Legal & General | Certified copy by post | — | Not started |
Illustrative example, not a real person’s record.
Security
The most sensitive list you’ll ever write down.
We’d rather tell you plainly how it’s held, and what we haven’t finished, than decorate the page with badges.
Encrypted, and separated
Account identifiers are encrypted individually, not just the disk they sit on. Reading the database is not the same as reading your accounts.
Hosted in London
The application and database run in a UK region. One supplier — our email delivery — still processes outside the UK, and we're replacing it. We'd rather say so.
No keys to anything
We never store usernames or passwords for your providers. Keepholt cannot log into your bank, and neither can anyone who takes it from us.
Every look is recorded
Seeing a full account number is a deliberate, logged act. You and anyone you've named can see who opened what, and when.
Access is never a paid feature
If you stop paying us, the record stays and emergency access still works. Charging for the moment a family needs it would be indefensible.
Still to come
We're working towards independent certification. Until it's awarded we won't imply we have it — ask us where we've got to.
For solicitors and will writers
Finish the job your client came in for.
Your client leaves with a registered LPA and every intention of getting organised. Years later their attorney is in your office asking where the accounts are. Keepholt closes that gap — without touching your legal work.
- We don’t draft, advise or hold instructions. We aren’t competing for your fees.
- It can carry your firm’s name, so the attorney who sees it comes back to you for their own LPA.
- Clients can start it in the appointment and finish it at home over the weeks after.
- We’ll talk you through exactly how the data is held before you put your name near it.
Early access
We’re looking for a few people to build this properly with.
Particularly anyone currently running a parent’s or partner’s affairs — you already know where this falls down. It’s a conversation and an hour of your time, not a sales call.
There’s no sign-up form yet, and that’s deliberate — this page is shared in conversation, and that’s how the early group is being built. If you’re reading it, you have someone to reply to.