Executors cannot find the accounts
A bank will not confirm an account exists until someone names it. Nobody names what they do not know about, so balances sit unclaimed and estates stay open for months.
Axion Finance · Estate planning
When probate is granted, your Will can be read by anyone.
Your passwords and account list must not be in it. They belong somewhere private, in a form your executor can actually use, and that is what this is.
UK & Cyprus editionsFillable PDF + editable WordLast reviewed: August 2026
Why this exists
Three things that go wrong, reliably
Subscriptions bill a closed estate
Recurring payments keep collecting long after death, from an account nobody has authority over yet. Each one has to be chased individually, and cancelling requires proof the provider will only accept from a named executor.
Self-custodied crypto is gone permanently
Lose the recovery phrase and there is no helpline, no reset and no recourse. This is the only category on the list where the money does not become hard to reach: it stops existing for your family.
When it is done, the same three look like this
- Every account is already named. Your executor can list what exists on the day they open it, so each bank is asked about an account that is really there.
- The subscriptions are one list, each with the card it bills to and what should happen to it. The card most of them use is named, so its statements show any billed to it that the list missed.
- The crypto is found, or ruled out. They know where every recovery phrase is kept, or that there is none to look for.
Probate still takes as long as it takes. The months spent finding out what you had need not be part of it.
Free · 2 pages
The Digital Assets Clause
This is the page you hand to your solicitor. It gives your executor explicit authority to find and deal with your digital accounts, and it contains no credentials, so it is safe to sit inside a document that becomes public at probate.
Edition
The full pack
The Digital Estate Organiser
The workbook behind the clause. Every account, device and subscription in one place, as a fillable PDF you complete on screen and an editable Word version you can adapt.
Start with twelve lines
The full pack is the finished job, not the first sitting. Page two is a short list of twelve: your digital executor, the email address everything else resets through, where the passwords are kept, the card most of your subscriptions bill to.
Do those twelve and your executor can already act: they know who they are, they can get into your email, and they can find the money. About twenty minutes, and two or three of them will need you to go and look something up rather than answer from memory.
Everything after that is the difference between an executor who can act and one who can act quickly, and you can fill it in a section at a time.
United Kingdom Edition
Drafted for England & Wales
€22
Charged in euros.
- 18 pages, 691 fields
- Fillable PDF, complete and save on screen
- Editable Word version included
- Reviewed every quarter (last reviewed August 2026)
- Every revision free for two years, with nothing to ask for
Cyprus Edition
Drafted for Cyprus and EU succession rules
€34
Charged in euros.
- 20 pages, 695 fields
- Fillable PDF, complete and save on screen
- Editable Word version included
- Reviewed every quarter (last reviewed August 2026)
- Every revision free for two years, with nothing to ask for
Both Editions
United Kingdom and Cyprus
€45
Charged in euros.
- 38 pages, 1,386 fields
- Fillable PDF, complete and save on screen
- Editable Word version included
- Reviewed every quarter (last reviewed August 2026)
- Every revision free for two years, with nothing to ask for
Why the Cyprus edition costs more. The page count is close; the work is not. In England & Wales you can broadly leave your estate as you choose, subject to claims by family and dependants. In Cyprus, a fixed share is reserved for your family by law. So this edition also explains the shares; the 2015 repeal of the exemption many British residents relied on; the Article 22 election that may change that for some people, and why it needs a Cyprus lawyer's advice first; and the filing your executor must make with the Tax Department. Each of our quarterly reviews has all of it to check again.
Before you buy
Your download is ready the moment you pay, so at checkout you confirm that you want it straight away and that your 14-day right to cancel ends once it is available: a download cannot be handed back. What the tick-box does not change: your legal right to have anything faulty, or not as described, put right or refunded. The details are in our Returns & Refunds policy.
Why not a free template, or an online vault?
- A free template is written for nobody in particular. For a simple estate in England & Wales, one is far better than nothing. A UK template will not tell someone living in Cyprus how much of their estate the law has already reserved for family. The Organiser also starts you on the twelve lines that matter most, and asks you to decide, account by account, what should happen next.
- Most online vaults' paid plans are subscriptions. At September 2026 prices, the paid plans we compared cost from about €250 to over €500 across five years. And your record lives on the company's terms rather than yours: what your family can see after you die, for how long, and what happens if the company changes its plans or closes are its decisions. Both editions of the Organiser together are €45, once, with every revision free for two years, and the file stays yours after that, to keep, print and hand to your lawyer.
Contents
The 11 sections
- The people who will do this: your digital executor, why you chose them, and who knows this document exists
- The master key: where your passwords are kept and the email address everything resets through, never the passwords themselves
- Devices: where each one is, where its unlock is recorded, and what is on it that exists nowhere else
- Accounts that hold money: banks, payment services, investment platforms and marketplaces with balances
- Accounts that cost money: every subscription, the card it bills to, and what should happen to it
- Crypto and anything self-custodied: where each recovery phrase is kept, or a line to say there is none
- Photos, files and memories: where they are, and who should receive them
- Your public presence: each profile and handle, and what should happen to it
- Business and income-producing assets: domains, websites, mailing lists and anything that earns
- Messages and final wishes: what to pass on, and what to delete without reading
- Review log: ten minutes twice a year keeps it current
Who it is for
Three people this was written for
Anyone with a Will
A Will says who gets what. It does not say where anything is. Your executor is left guessing at accounts they cannot see, and a bank will not tell them what exists until they can name it.
British expats in Cyprus
Cyprus applies forced heirship: fixed shares of your estate are reserved for spouse and children by law. Section 42, which once exempted foreign nationals, was repealed in 2015. Most British residents here still believe their UK Will governs everything.
Anyone running an online business
Domains lapse, payment processors freeze, and a customer list sits behind a login nobody else has. The business can be worth a great deal and still be unreachable.
Questions
Your questions, answered
Is this a Will?
No, and it is not a substitute for one. A Will directs who inherits. This records what exists and where to find it, so whoever administers your estate can act on the Will you already have. Have that Will drawn up by a qualified lawyer in your jurisdiction.
Do I write my passwords in it?
No. That is the one thing this document deliberately does not ask for, and the reason matters: once probate is granted, a Will becomes a public document that anyone can read. Anything attached to it is exposed. This records where an account lives and how it is recovered: you keep the credentials in a password manager and record only where that manager is and how your executor reaches it.
Which edition do I need if I own things in both countries?
Both, which is why the two-edition option exists. Cyprus succession rules and England & Wales rules genuinely differ, and an asset sitting in the wrong jurisdiction’s paperwork is the thing that stalls an estate. If you moved from the UK to Cyprus and kept a UK bank account, pension or property, that is you.
Is this legal advice?
No. It is an organisational tool. It does not create, replace or amend any legal instrument, and it cannot account for your personal circumstances. Use it to prepare properly for a conversation with a qualified lawyer. That conversation will be shorter and cheaper because of it.
Can I edit it?
Yes. Every paid edition includes both a fillable PDF, which you can complete on screen and save, and an editable Word version if you would rather restructure it, add sections or hand it to a solicitor to adapt.
What happens when the law changes?
Both editions are reviewed every quarter and revised whenever a review finds something that has moved. You do not have to watch for it or ask for it: your download link is personal to your purchase and always serves the current edition, so a revision simply arrives the next time you open it, free for two years from the day you buy. Because the two years run from your own purchase date and the reviews run quarterly, buying sooner means more revisions land inside your window. After two years your copy is still yours and still works exactly as it is; you just stop receiving new editions.
What is in the free extract?
The Digital Assets Clause: 2 pages, the clause on its own. It is written to be handed to whoever drafts your Will, giving your executor explicit authority to access and deal with your digital accounts. It is the part that belongs in the legal document; the Organiser is the workbook that sits alongside it.
What if I change my mind?
Your Organiser is ready the moment you pay, so at checkout you confirm that you want it straight away and that your 14-day right to cancel ends once it is available: a download cannot be handed back. What the tick-box does not change: your legal right to have anything faulty, or not as described, put right or refunded. The details are in our Returns & Refunds policy. Email hello@oneaxion.com with any question.
An organisational tool, not legal advice. The Digital Estate Organiser and the Digital Assets Clause do not create, replace or amend a Will or any other legal instrument, and they cannot account for your personal circumstances. Have your Will prepared by a qualified lawyer in your jurisdiction. Last reviewed: August 2026.Digital Product Policy ·Returns & Refunds