Where To LookJoin early access

If something happened to you, would your family know where to look?

Investment apps, online banks and pensions rarely send post any more. Where To Look is an app that keeps a private vault of where your money is held. It stays sealed, and opens for the person you choose only if the worst happens.

  • Sealed from your nominees
  • No passwords or account numbers
  • You’re alerted before it opens

Which of these do you use?

Money you manage on your phone leaves very little behind at home. Tap the ones you have.

Banking

Investing and saving

Pensions and crypto

Tap any you use to see what your family would need to find.

Named as examples only. Where To Look is not affiliated with or endorsed by any of these companies.

Sealed until it’s needed

Your nominees know your vault exists. That is all they know.

What your nominee sees today

You’ve been nominated

This vault is sealed. Nothing inside is visible to you.

What they see if the worst happens

The vault is open

  • eToro Investments
  • Monzo Current account
  • PensionBee Pension

How it works

  1. Fill your vault

    Add each bank, app, pension and insurer. It takes a few minutes.

  2. Choose who should receive it

    Nominate one person and a backup. They don’t pay, and they can’t see inside.

  3. It opens only if the worst happens

    Your nominee asks, we check, and you’re alerted at every stage.

What happens when someone asks to open your vault

  1. Day 0Your nominee sends a death certificate
  2. Straight awayWe alert you by email, text and app, and tell your backup nominee
  3. HalfwayWe phone you. You can stop the request at any point
  4. Day 14The vault opens for your nominee

For long-term incapacity the wait is 60 days. You can change both waiting periods.

What your vault holds, and what it never does

It holds

  • The name of each bank, app, pension or insurer
  • The kind of account you have there
  • Who your nominee should contact

It never holds

  • Account numbers
  • Passwords or PINs
  • Balances

Nobody can move money with what’s in your vault. It tells your family where to look, and each provider then deals with your executor in the usual way.

How Where To Look works with your will and probate

A will says who gets your money. It doesn’t say where the money is. Your executor has to find every account before they can apply for probate, and Where To Look gives them the list.

Your will

  • Says who inherits your money and belongings
  • Names your executors
  • Is only as current as the last time you updated it
  • Doesn’t have to list your accounts

Where To Look

  • Says where your accounts, investments and pensions are held
  • Tells your executor who to contact at each provider
  • Prompts you every year to keep it current
  • Works alongside your will. It doesn’t replace it

£31.1 billion

sits in about 3.3 million lost pension pots in the UK.

Source: Pensions Policy Institute research, 2024

About two in three

UK adults have no will, or one that is out of date.

Source: Will Aid survey of 2,000 UK adults, 2025

Papers, family, friends

are where official guidance tells executors to look to work out which organisations to contact.

Source: GOV.UK, valuing the estate of someone who died

Where To Look is not a will-writing or probate service and does not give legal advice.

£2 a month

Billed annually at £24, starting when you set up your vault in the app. We remind you before every renewal.

  • One private vault for where your money is held
  • One nominated person and a backup, free for them
  • A yearly prompt to keep your vault up to date
  • Alerts by email, text and phone before anything is released
Join early access at £24 a year

The Where To Look app is coming soon

The app isn’t out yet. Leave your email and we’ll tell you the day it’s ready to download. You pay nothing until you download the app and open your vault. Then it’s £24 a year.

Questions people ask

How is Where To Look different from a will?

A will says who should receive your money. Where To Look records where that money is.

A will doesn’t have to list your bank accounts, investments or pensions, and it isn’t updated each time you open a new one. Where To Look keeps that list current and passes it to the person you choose. It is not a will and doesn’t replace one. You need both.

Does a will list bank accounts and investments?

Not necessarily. A will sets out who inherits and who your executors are, but it doesn’t have to name each account, so executors usually have to find them.

GOV.UK guidance tells executors to work out which organisations to contact by searching through the person’s papers or asking friends, family and any solicitor or accountant. Accounts managed in an app often leave no papers to find.

How do executors find bank accounts, investments and pensions after someone dies?

Executors have to identify every account themselves before they can value the estate. In practice that means going through post, emails and bank statements, asking family, and using services such as the government’s Pension Tracing Service.

Where To Look gives your executor a ready list of where to start: the name of each bank, app, pension and insurer, and who to contact at each one.

Does Where To Look help with probate?

Yes, at the first step. Before applying for probate in England and Wales, or confirmation in Scotland, executors must estimate the value of the estate, and they can only do that once they know where the money is.

Where To Look tells them where to look. It doesn’t apply for probate, value the estate or give legal advice.

Why not just write a list?

A list works if it’s up to date and your family can find it. Where To Look prompts you once a year to check your vault, and makes sure it opens for the person you chose.

Can my nominated person see inside my vault now?

No. They’re told they have been nominated, so they know the vault exists, but they can’t see anything in it. It opens for them only after a request has been through the waiting period.

What if someone asks to open my vault when they shouldn’t?

You’re alerted straight away by email, text and app notification, then weekly, and by phone call before the waiting period ends. Your backup nominee is told as well. You can stop the request at any point.

Do you hold or move my money?

No. Where To Look holds a list of where your money is and nothing else. It has no connection to your accounts.

When does it launch?

Where To Look will be an app for your phone, and it’s in development now. People on the early access list will hear first. You pay nothing until you download the app and open your vault.