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you can open secret bank accounts easily using your computer. you do not receive paper statements, so how do your exors know they even exist? as mentioned by RH you need multiple passwords just to get into your bank/share dealing platforms.
you are even sent OTP by financial institutions routinely to (secret) phones to access your accounts.
my wife does not about half the financial products i have, nor even that our children have pensions!
i have put all my financial details ( and update it often) on a USB stick and my exors know about this.
my mother kept all her financial paperwork, so it was easy to get probate( i knew all of it anyway).