A savings ledger carries tax records as well as banking records. Where the account is an ISA, the Individual Savings Account Regulations 1998 (SI 1998/1870) make the manager keep records HMRC can inspect, and interest paid by banks is reported to HMRC under the Taxes Management Act 1970. Where the saver is tax-resident elsewhere, the International Tax Compliance Regulations 2015 (SI 2015/878) put the balance into an annual exchange of information. Deposits are protected up to GBP 85,000 per depositor per firm by the FSCS, established under FSMA 2000 s.213. All of that needs the real identity on file. A copy shared for analysis does not. anonym.plus marks each field on your machine, so the interest history stays readable while the saver's details are shielded.
When this applies
A product team studies how balances move across a rate change. The opening dates, the rates and the balances shape the finding. The saver's name, National Insurance number and account number do not.
How anonym.plus handles it
- Open the passbook in anonym.plus on your device.
- Local OCR reads a scanned ledger.
- It flags the saver, the number, and balances.
- Confirm the flags and keep the rate and term data.
- Apply Mask to the number and personal fields.
- Save the clean record locally.
What you need to provide
- The ledger (PDF, scan, or CSV).
- An operator: Replace, Redact, or Mask.
- Optional batch for many files.
PII & financial identifiers detected
| Category | anonym.plus entity type | Example |
|---|---|---|
| Names | PERSON | holder J. Reyes → [HOLDER] |
| Financial | UK_BANK_NUMBER | 00914420 → ****4420 |
| Money | MONEY | balance £9,820.00 → [AMOUNT] |
| Identifiers | UK_NINO | QQ 00 91 44 B → [NINO] |
| Contact | PHONE_NUMBER | +44 131 555 7782 → [PHONE] |
| Dates | DATE_TIME | opened 2015 → [DATE] |
Compliance achieved
- Leaves the manager records an ISA needs under the Individual Savings Account Regulations 1998 (SI 1998/1870) intact.
- Keeps the identity attached to a reportable balance by the International Tax Compliance Regulations 2015 (SI 2015/878) out of the shared copy.
- Preserves the depositor record behind FSCS protection under FSMA 2000 s.213 — GBP 85,000 per depositor, per firm.
- Applies minimisation and storage limitation under UK GDPR Art. 5(1)(c) and (e).
- Local OCR reads a scanned passbook or ledger; nothing is uploaded.
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Limitations & cautions
A long interest history with a distinct opening balance can narrow an account down to one saver. A National Insurance number counts twice here — it identifies the person and it keys the ISA subscription record — so remove it from anything that leaves the team.
Frequently asked questions
Can I keep the interest rate and term?
Yes. Allow-list those product details so they stay while the saver and balance fields are removed. A rate is not personal data on its own, and keeping it is usually the whole point of the analysis.
Why does a National Insurance number appear on an ISA record at all?
An ISA manager needs it to record the subscription and to meet the Individual Savings Account Regulations 1998. It is also one of the strongest identifiers in the UK, which makes it the first field to remove from a copy that leaves the team.
Is the passbook uploaded?
No. The app is fully offline, so the ledger stays on your device.