Loading...
Loading...
Five steps. About 15 minutes of your time. Fund only when your landlord has signed. Then Yoho takes over.
Open Yoho Passport AccountYou only commit your funds once your landlord has signed the Side Letter. Nothing leaves your account before that.
Government ID and a quick selfie. Sumsub runs the same identity check used by leading UK challenger banks.
Enter the property, tenancy period, monthly amount, Collateral Buffer tier, and how long you want to give your landlord to sign. Yoho generates a complete Side Letter and you countersign on the spot — no money moves.
They receive a one-click link to acknowledge the Side Letter and add their own bank account directly in Yoho's dashboard. Yoho runs a UK Confirmation of Payee check on the account name. The Tenant never enters or sees the landlord's bank details. Still nothing leaves your account.
Your landlord has signed and their payout account is locked in. Deposit your Refundable Reservation Funds into the Yoho Segregated Client Account at a Tier 1 UK bank. International transfer? Take your time.
Once you and your landlord sign the Tenancy Agreement, either of you can upload the signed copy to Yoho. Sumsub runs a Proof of Address verification to confirm the property address and amount match the Side Letter's Schedule A.
Once Schedule A matches, your Refundable Reservation Funds are legally reclassified into Security Funds. Protection live. Engine starts.
On each Contractual Rent Date, Yoho releases one month of Security Funds via FasterPayments at 09:00 UK time to the landlord's CoP-verified payout account.
Skip Step 02's address field and get a Yoho Tenancy Passport AIP — a Pre-Approval Letter naming your verified identity and chosen budget. Show it to landlords or agents while you house-hunt. When you find your place, come back to Step 02 to populate Schedule A and pick up the journey from there.
See the AIP pathTenancies don't always run their full term. Yoho handles edge cases under a single mechanic: Releases continue on the Contractual Rent Date until they shouldn't.
All 12 monthly Release Events run. After the final release, your Yoho Tenancy Passport closes naturally.
Tenants have a statutory right to give notice. When they do, Yoho continues up to two more monthly Release Events from your Security Funds.
A Dispute Flag pauses Releases. Releases resume on the next Contractual Rent Date once resolved with statutory evidence.
Open your Yoho Passport Account now. Your funds stay yours until the Side Letter is signed by both sides.
Open Yoho Passport Account See how funds are safeguarded