Most UK newlyweds underestimate this by a factor of three. The average person has more than 40 active accounts in their name — and forgetting even one can mean a returned parcel, a frozen card or a tax letter going to the wrong person years later.
Government — do these first
- HM Passport Office (passport)
- DVLA (driving licence and V5C if you own a car)
- HMRC (tax record, including PAYE and Self Assessment)
- National Insurance record
- Electoral roll (register to vote in your married name)
- NHS — your GP surgery, dentist, optician
- Student Loans Company, if applicable
- Council tax — your local council
Finance
- Current accounts (Barclays, HSBC, Lloyds, NatWest, Monzo, Starling, Nationwide, Halifax…)
- Savings and ISAs
- Credit cards
- Mortgage provider
- Loans and car finance
- Pension providers (workplace and private)
- Investment platforms (Vanguard, Hargreaves Lansdown, Trading 212, Freetrade)
- PayPal, Wise, Revolut
Insurance
- Car insurance
- Home and contents insurance
- Life insurance
- Travel insurance
- Pet insurance
- Private health insurance (Bupa, Vitality, AXA)
Work and identity
- Employer HR and payroll
- LinkedIn and professional bodies
- Email signature and business cards
Utilities and home
- Energy supplier
- Water company
- Broadband and landline
- Mobile phone
- TV licence
- Streaming services (Netflix, Disney+, Sky, Spotify)
The long tail people forget
- Amazon
- Tesco Clubcard, Nectar, Boots Advantage
- Gym membership
- Airline loyalty programmes (Avios, Virgin Atlantic)
- Uber, Deliveroo, Just Eat
- Charity direct debits
- Will and power of attorney