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How much bank statement is required for UK visit visa

Updated: September 8, 2023

When it comes to how much bank statement is required for UK visit visa, there is a lot of confusion out there. Mainly because UKVI does not provide proper guidelines on bank statements. Not just on how many months of statements, but how much cash should you have, what kind of transactions are allowed, etc.

In this article, you will learn everything about bank statements for UK visit visa.

How much bank statement is required for UK visit visa?

You must submit 6 months of bank statements that clearly show your monthly salary and financial commitments. There must not be any large deposits of cash other than your salary. Total savings must be at least twice your proposed UK trip expenses.

After examining hundreds of UK visa refusal letters from my readers, I have figured that there are a few things that you must definitely satisfy in your bank statements. Let’s look at these in more depth.

BANK STATEMENT FOR UK VISA

The Entry Clearance Officers (ECOs) must make sure that the UK visit visa applicant has sufficient funds to support and maintain themselves for the entire duration of their stay in the UK. Bank statements work as evidence to prove that the applicant has sufficient funds. 

The ECOs pay close attention to the total cost of the trip, monthly income, monthly expenses and any other financial commitments such as mortgage, dependents, etc. They want to see that you are a genuine traveler, you will travel within your means and you will not exhaust all your savings.

The ECOs are primarily looking at the following criteria in your bank statements.

Let’s look at each of these criteria in detail. 

How much money per day do you need for UK visitor visa?

The UK is an expensive country. A hotel room would cost at least £50 per night. Food is about £10-20 per meal. Add transportation, entry tickets to attractions, shopping, etc. So, total expenses can range from £100-150 per day per person.

DAILY BUDGET REQUIREMENT £100-150 per day per person

This £100-150 per day per person is only for the visa. When you actually travel, you can minimize your daily expenses and spend a lot less than that.

How much do you need to earn to get a UK visitor visa?

UKVI does not provide guidance on acceptable monthly income. But, after going through hundreds of refusal letters, I figured that your monthly income must be at least half of your total UK trip expenses. 

INCOME REQUIREMENT Your monthly income must be at least half of your proposed total UK trip expenses

EXAMPLE: Say your proposed UK trip expenses excluding the airfare is £2,000. Your monthly income must be at least £1,000. Anything less than that can lead to ECO assuming that it’s not realistic for you to take this trip.

Make sure your monthly salary is directly deposited into your bank account. This results in a salary deposit transaction in your statements. This proves that you have a consistent monthly income.

If you are paid in cash or check, deposit the cash or check in your bank account on a specific date every month. You can withdraw again from your bank account for your expenses, but that consistent salary deposit every month must definitely be there in your bank account. 

How much do you need to save to get a UK visitor visa?

Apart from monthly net income, your monthly disposable income is also important. Monthly disposable income is basically your savings. If you save too little per month, that’s an indicator that a UK trip is not realistic for your financial situation.

SAVING/DISPOSABLE INCOME REQUIREMENT Your monthly savings/disposable income must be a good percentage of your net monthly income

EXAMPLE: Say your proposed UK trip expenses is £2,000. Your monthly net income is £1,000. Your monthly living expenses are £950. That means you can only save about £50 a month. Even if you have enough savings for your trip, your savings per month (£50) are too small. ECOs will assume that a UK trip is too expensive and not realistic for your financial situation.

How much bank balance do you need to show for UK visitor visa?

You must show that you have sufficient funds in your bank account. As a rule of thumb, you must have more than twice your proposed total UK trip expenses in your bank account. 

FUNDS REQUIREMENT Your funds must be more than twice your proposed total UK trip expenses

EXAMPLE: Say your proposed UK trip expenses excluding the airfare is £2,000. You must have at least £4,000 in your savings. Anything less than that can raise questions and lead to visa refusal.

Again, UK Visas and Immigration does not specify what is acceptable in terms of funds. So this is something I understood from referring to many visa refusal letters. 

What cash saving patterns ECOs are looking for?

You must show that your savings are continually growing and that too consistently. If they are not, then the ECO may assume that you might have borrowed the money to make it look like you saved it yourself. 

EXAMPLE: Say your salary is £2,000 per month. After all expenses, you save around £500 a month. Sometimes more, sometimes less, about usually around £500. You are saving continually but also consistently.

One more thing to keep in mind is that your savings must be large enough or at least a good percentage of your income.

What is funds parking and how to avoid it?

Funds parking refers to borrowing money from someone to show as if it’s your own money. ECOs suspect any large deposits in your bank account other than your salary as parked funds. 

EXAMPLE: Say your ending balance in your bank account has been £4,000 for the last 6 months. That means, your savings haven’t grown at all. This makes the ECO suspect that you might have borrowed money 6-7 months ago just to show that you have sufficient savings in your bank account.

If you had a large cash deposit from the sale of a property, investment, etc., you must provide documentary evidence to prove that it’s your money. 

Also, if you had unexpected expenses such as hospitalization, purchase of property, investment in stocks or fixed deposits, etc. you must explain them properly in your cover letter for UK visa as well. 

What to do if you DO NOT have sufficient funds? 

If you do not have sufficient funds for your UK trip, I suggest the following.

• Delay your trip until you have saved up enough. If you plan to travel to the UK next year, start saving up from now and you will have enough saved up by then.
• Shorten your trip to manage within the funds you have. If you plan to travel for 10 days, shorten it to 7 days or even 5 days. Try to cram in more sightseeing every day so you can manage your 10-day itinerary in just 5 days. 
• Lastly, use a sponsor to cover some of your expenses. Keep in mind that sponsorship from family members and immediate relatives can work well. Sponsorship from unrelated, distant relatives, friends, people who met on the internet, acquaintances, etc. will not work.

What to do if your salary is too low?

Should you put away your dream of traveling to the UK just because your salary is too low? Not really, but here are a few things you can do.

• Delay your trip until your salary goes up. Yearly salary hikes are common in most places. Or ask for a pay raise.
• Shorten your trip to manage within your salary limits. If your salary is £500, then plan to stay only 7 days, not more.
• Use a sponsor. As I mentioned above, sponsorships from family members or immediate relatives work well.

Why do you need 6 months of bank statements?

Bank statements are not just about how much cash you have in your bank. They tell a lot about your financial and personal circumstances. From your bank statements, ECOs can assess your sources of income, financial commitments and current lifestyle. 

This information is extremely important for ECOs to decide whether they can support themselves during their UK trip. At least 6 months of bank statements are necessary to assess this formation. 

If you lay down 6 months of bank statements in front of you, you can clearly see patterns such as your spending habits and saving goals. 

Keep in mind that these 6 months of bank statements must start from the latest and go backward 6 months. Let’s look at an example.

Say you are applying for your UK visa on 14 Nov 2021 and your latest statement was for October. You must submit statements from May to October. 

Does UK embassy verify bank statement?

If UKVI suspects fraudulent bank statements, they can contact the bank to verify the authenticity of the statements. They have built relationships with banks over time and can take the help of third-party agencies to verify such information.

Manipulating or providing fraudulent bank statements will lead to visa refusal and a permanent ban from entering the UK. 

Illegal migration and human trafficking are on the rise. Therefore, ECOs do their due diligence with visa applications. Document verification costs them money and time. There is a reason why the UK tourist visa is the most expensive and time-consuming visa process. 

Is online bank statement acceptable for UK visa?

Yes, online bank statements downloaded from the bank website are perfectly acceptable. Online bank statements are a norm in most countries these days. I assume UKVI has connections with major banks in the world either directly or through third-party agencies. If need be, they can make inquiries and verify the authenticity of your bank statements. 

A mere download of a list of transactions from your account will not work. Your online bank statements must include all the necessary information such as the bank name, bank address, bank phone numbers, full name, address, statement dates, transactions, balances, etc.

If any of the information is not included, you must request bank statements from the bank that include all necessary details.

Keep in mind that providing fraudulent bank statements will lead to a permanent ban from entering the UK.

Do bank statements need to be stamped for UK visa?

If you are applying from a country with high UK visa refusal rates, I advise providing certified bank statements. These are bank statements printed on the bank letterhead, stamped and signed by the bank authorities. Sometimes instead of signing and stamping, a cover letter signed by the head of the bank branch is provided.

Certified bank statements help to convince the ECO that your bank statements are authentic.

What if you have multiple bank accounts, one for salary and one for savings? 

If you have multiple bank accounts, you will have to submit 6 months of statements from each bank or account. If done incorrectly, this could lead to document bloat, which means the ECOs may overlook the most important bank statements. 

Try to use only one bank account for salary, expenses and savings. If you have to use two banks or accounts, mention this clearly in your cover letter so ECOs do not overlook important bank statements.

Do bank statements in foreign language need to be translated for UK visa?

Yes. If your bank statements are in a foreign language, you must provide a certified translation of them in English. If you have several pages of bank statements that need translating, it can get quite expensive. This is usually the case when downloading monthly statements from the bank’s website.

One way to handle this is to ask the bank to print the last 6 months of transactions as one statement. This will remove any repeated information such as bank address, etc. that usually appears on each monthly statement. This will reduce the bank statements to only a few pages. Translating and certifying these pages shouldn’t be that expensive.

Can you show joint account for UK visa?

A joint account is acceptable when both account holders are applying for UK visas together. The income and saving limits must also be doubled in that case. This is usually the case with couples, either both or one of them is earning. Either way, you must explain that your account is a joint account in your cover letter to avoid ECO making any decisions with partial information.

If only one account holder is applying for the visa, the ECO may assume that the applicant does not have sole access to the funds and may refuse the visa. Again, this is a tricky situation and must be clearly explained in the cover letter.

How to show bank statement if you are self-employed?

All the above rules apply to self-employed as well. Make sure to get paid from your clients directly in your bank account. If you earn cash, deposit your cash into your bank account first before using it for personal expenses. You can withdraw later for your expenses.

If you receive small cash several times a month, consolidate all the cash and deposit once a week or month. If you have multiple bank accounts, consolidate them too.

How to show bank statements if you are a business owner?

ECOs assume that business funds are for business purposes and not available for personal use. This is especially true if you are traveling to the UK on a personal holiday trip. Therefore, you must have a clear distinction between your business funds and personal cash. 

Make sure to separate your business and personal accounts. Pay yourself a monthly salary into your personal account. Maintain a consistent financial pattern in your personal account. As a business owner, you must submit your business bank statements and personal bank statements for your UK visa.

Alternatively, you can provide a letter from you or any other business partners that the business funds are available for your personal use. In this case, just your business bank statements are sufficient.

UKVI does not provide proper guidelines on how much bank statement is required for UK visit visa. After referring to hundreds of UK visa refusal letters, I figured that ECOs are looking for certain patterns in your bank statements. ECOs are primarily looking for your sources of income, spending habits, financial commitments and saving goals. These factors are essential for ECOs to decide whether you are a genuine visitor and have sufficient funds for your trip.

There you have it. Everything you need to know about bank statements for UK visit visa. If you have any questions, leave a comment below. I will answer them as soon as I can.

WRITTEN BY THIRUMAL MOTATI

Thirumal Motati is an expert in tourist visa matters. He has been traveling the world on tourist visas for more than a decade. With his expertise, he has obtained several tourist visas, including the most strenuous ones such as the US, UK, Canada, and Schengen, some of which were granted multiple times. He has also set foot inside US consulates on numerous occasions. Mr. Motati has uncovered the secrets to successful visa applications. His guidance has enabled countless individuals to obtain their visas and fulfill their travel dreams. His statements have been mentioned in publications like Yahoo, BBC, The Hindu, and Travel Zoo.

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LEGAL DISCLAIMER We are not affiliated with immigration, embassies or governments of any country. The content in this article is for educational and general informational purposes only, and shall not be understood or construed as, visa, immigration or legal advice. Your use of information provided in this article is solely at your own risk and you expressly agree not to rely upon any information contained in this article as a substitute for professional visa or immigration advice. Under no circumstance shall be held liable or responsible for any errors or omissions in this article or for any damage you may suffer in respect to any actions taken or not taken based on any or all of the information in this article. Please refer to our full disclaimer for further information.

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Evidence of Funds UK Visitor Visa

All About Evidence of Funds UK Visitor Visa

One of the key requirements for your UK visitor visa application is demonstrating you have sufficient funds to support yourself throughout your visit. This blog post dives deep into everything you need to know about providing evidence of funds UK visitor visa, making the application process smooth sailing.

What is Considered Evidence of Funds for a UK Visitor Visa?

The UK government wants to ensure you won’t become a burden on their resources while visiting. To achieve this, they require proof that you have enough money to cover your living expenses during your stay. This evidence can come in various forms, including:

• Bank Statements:  Generally, the UK Visas and Immigration (UKVI) recommends providing at least  six months’ worth of bank statements . These statements should clearly show your regular income and sufficient balance to cover your trip.
• Payslips:  If you’re employed, include recent payslips as proof of your income.
• Savings Statements:  If you’re relying on savings to fund your trip, provide statements showcasing the available funds.
• Sponsorship Letter:  If someone else is sponsoring your visit, you’ll need a letter from them outlining their financial commitment and providing proof of their funds. This could be a parent, spouse, or close relative.

Beyond Bank Statements: Strengthening Your Application

While bank statements are crucial, consider including additional documents to strengthen your application:

• Proof of Accommodation:  Show confirmed hotel bookings, hostel reservations, or a letter from a friend or family member if you’ll be staying with them.
• Travel Itinerary:  A well-structured itinerary outlining your planned activities and estimated costs demonstrates you have a budget and won’t overstay your visa.
• Proof of Employment:  An employment contract or letter from your employer can solidify your ties to your home country and confirm your intention to return after the visit.

Key Tips for Presenting Evidence of Funds

• Ensure Clarity:  Bank statements should be translated into English if necessary and highlight your name and account details.
• Maintain a Healthy Balance:  Aim to show a consistent balance that comfortably covers your planned expenses in the UK.
• Address Large Deposits:  If you have substantial unexplained deposits, include a brief explanation to avoid raising red flags.
• Meet the Minimum Requirements:  While there’s no set amount, research average daily living costs in the UK and ensure your funds demonstrably cover them for your visit duration.

Remember: Providing strong evidence of funds significantly improves your chances of a successful UK visitor visa application. By following these tips and gathering the necessary documents, you’ll be well on your way to exploring the wonders of the UK!

Ready to Apply?

For the most up-to-date information and a comprehensive application guide, head over to the official UK government website: https://www.gov.uk/government/publications/visitor-visa-guide-to-supporting-documents .

Do you have any questions about obtaining a UK visitor visa or evidence of funds UK visitor visa? Share them in the comments below!

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Appendix Finance: UK Visa Financial Requirements

Anne morris.

• 27 June 2023

IN THIS SECTION

To be eligible for a visa to come to the UK, most applicants will need to meet a financial requirement, typically where they are applying for entry clearance and will need to prove sufficient funds to be able to support themselves on their arrival.

The rules relating to this requirement are set out under the various different appendices for each individual immigration route, together with Appendix Finance of the UK’s Immigration Rules.

The following comprehensive guide to Appendix Finance looks in detail at exactly what this appendix is and when this is used, including the different immigration routes to which this appendix applies.

What is Appendix Finance?

There are a number of appendices to the UK’s Immigration Rules, each dealing with specific aspects of those rules, from the rules relating to individual immigration routes to the rules relating to certain requirements under those routes. Appendix Finance sets out how the financial requirement must be met in relation to certain UK visa applications.

Appendix Finance can be found in full at GOV.UK, together with additional online Home Office guidance on how to interpret its provisions. While this online guidance is designed for Home Office caseworkers, explaining how they should assess whether an applicant has met the financial requirement under Appendix Finance, it provides applicants with useful insight into Home Office decision-making when it comes to interpreting the relevant rules.

For guidance in the context of a specific scenario, reference should be made both to Appendix Finance, in conjunction with the most up-to-date guidance on the financial requirement for Home Office staff. Seeking expert advice from an immigration specialist is also strongly advised when it comes to interpreting the rules in advance of an application, not least in relation to the documentary evidence needed to support an application. In this way, applicants can maximise the prospects of a successful outcome, while minimising the possibility of failing to meet this and other requirements.

When does Appendix Finance apply?

Applicants in most UK immigration routes must meet a financial requirement, although how they must do this differs from route to route. Under the financial requirement, applicants must generally show that they either have sufficient funds for their activity or role for which they are coming to the UK, for example, for study or work. They must also show that they can maintain and accommodate themselves, and any dependants, without accessing public funds. More specifically, the rules for each relevant route each set out:

• what type of financial requirement the applicant on that route must meet
• who must meet the financial requirement, where for applicants who have been living with permission in the UK for the 12 months before the date of application will have met the requirement on many immigration routes and do not need to provide further evidence
• the amount of funds, where a specific level of funds is required, as well as the length of time and the period during which the funds must be held by the applicant
• whether there are different ways that the financial requirement can be met, for example, where a UK sponsor can certify maintenance on a work route and where an applicant can depend on funds from third parties on certain routes.

However, all these routes specifically prescribe that the level of funds required, for the necessary length of time, must be held by the applicant “as specified in Appendix Finance”.

As such, Appendix Finance is used to set out the way in which funds must be shown by the applicant so as to satisfy the financial requirement on any given route, while it is the individual immigration routes themselves that set out the specific requirements for the amount of funds and the length of time that they must be held etc. This means that even if an applicant is able to show they have had the level of funds required for the prescribed period, the strict requirements around how these funds are held must still be met.

Which UK visas are subject to Appendix Finance?

Appendix Finance applies to applications under the following UK visa routes:

• Short-term Student
• Child Student
• Parent of a Child Student
• Skilled Worker
• Global Business Mobility – Senior or Specialist
• Global Business Mobility – Graduate Trainee
• Global Business Mobility – UK Expansion Worker
• Global Business Mobility – Service Supplier
• Global Business Mobility – Secondment Worker
• High Potential Individual
• Representative of an Overseas Business
• Global Talent
• Innovator Founder
• T2 Minister of Religion
• International Sportsperson
• UK Ancestry
• Temporary Work – Seasonal Worker
• Youth Mobility Scheme
• Temporary Work – Creative Worker
• Temporary Work – Religious Worker
• Temporary Work – Charity Worker
• Temporary Work – International Agreement
• Temporary Work – Government Authorised Exchange
• Domestic Worker in a Private Household
• Hong Kong British National (Overseas)

This includes where the dependants of principal applicants or primary visa-holders can apply on these routes. The section on financial institutions also applies to visitors and family applications under Appendix FM .

Key requirements under Appendix Finance

Appendix Finance, as with all other appendices set out under the Immigration Rules, is broken down into various different sections, each dealing with a key area. There are a total of nine sections under Appendix Finance including:

This section provides that where money is held in one or more foreign currencies, this will be converted into pound sterling using the spot exchange rate on the Oanda website, which provides currency information, for the date of the application.

Financial institutions

This section provides that funds will not be taken into account if held in a financial institution where the decision-maker is either unable to make any satisfactory verification checks, the institution is not regulated by the appropriate body for the country in which it is operating or it does not use electronic record-keeping.

This section provides that overdraft facilities will not be counted towards meeting any financial requirement.

Requirement to have legally earned or acquired funds, savings or income

This section provides that if an applicant’s funds, savings or income were earned or acquired when they were in the UK, this must have been earned or acquired lawfully and while the applicant had permission and not in breach of any conditions attached to that permission.

Account holders

This section provides that accounts relied on by an applicant must be in their name, either alone or as a joint account-holder, unless a specific exception applies. This could include, for example, where the account is in the name of the applicant’s partner who is applying for entry clearance or permission to stay at the same time or has already been granted permission. It could also include where the applicant is applying as a Student, Child Student or dependent child, and the account is in the name of their parent or legal guardian, although they may also need to provide proof of that relationship and written consent from the parent or legal guardian to use those funds. An applicant can also rely on the account of a third party, provided the route under which they are applying states that this acceptable and the account is in the name of that party.

Third party support

This section provides that any promises of future third-party support from the applicant will not be accepted as evidence of funds, except where this is specified in the route under which the applicant is applying.

Dates of financial evidence

This section provides that the most recently dated piece of financial evidence must be dated within 31 days prior to the date of application, where the length of time for which funds are held will be calculated by counting back from the date of the closing balance on the most recently dated piece of evidence. The financial evidence provided must also cover the whole period for which the funds must be held.

This section provides that funds may be held in any form of personal bank or building society account, provided the account allows the funds to be accessed immediately. This can include current, deposit and savings accounts, as well as investment accounts or pensions from which the funds can be withdrawn. In contrast, any funds held in other accounts or financial instruments such as shares, bonds, credit cards and pensions from which the funds cannot be immediately withdrawn, regardless of notice period, will not be accepted as evidence of funds to meet a financial requirement. The section goes on to specify ways in which certain student applicants can show funds, including funds provided by an official sponsor or approved student loan company.

Evidence of financial sponsorship or student loans for students

This section makes specific and more detailed provision as to the exact evidence needed by an applicant relying on funds provided by an official financial sponsor or student loan company. For example, where a student sponsor is providing financial sponsorship, the funds being provided must be stated in the Confirmation of Acceptance for Studies or a letter of confirmation from the official sponsor. Similarly, where an approved lender is providing an applicant with a student loan, this must be evidenced by way of a letter from the lender that meets a number of specific content requirements as to the loan terms and conditions etc.

Below we set out illustrations from two of the most commonly-used immigration routes to demonstrate the route-specific financial requirements, although the way in which these funds are held will apply equally to each route, as set out under Appendix Finance.

Skilled Worker route financial requirement under Appendix Finance

To meet the financial requirement under the Skilled Worker route — unless the applicant has already been living in the UK with permission for 12 months or more on the date of application, where they will meet the financial requirement and do not need to show funds — they must have funds of at least £1,270. Alternatively, the applicant’s A-rated sponsor must certify that they will, if needed, maintain and accommodate the applicant up to the end of their first month of employment in the UK, to an amount of at least £1,270.

The financial requirement provisions under Appendix Skilled Worker go on to state that where this requirement applies, ie; where an applicant on the Skilled Worker route is either applying for entry clearance or permission to stay and has been in the UK with permission for a period of less than 12 months, the applicant must show that they have held the required funds for a 28-day period and “as specified in Appendix Finance”.

Student route financial requirement under Appendix Finance

To meet the financial requirement under the Student route — unless the applicant has already been living in the UK with permission for at least 12 months on the date of application, where they will meet the financial requirement and will not need to show funds — they must have sufficient funds to cover any outstanding fees for a London-based course, plus £1334 for each month of their course, up to a maximum of 9 months. For applicants studying outside of London, they must again have funds to cover their course fees, plus £1023 for each month of their course, up to a maximum of 9 months.

In broad terms, this therefore means that where an applicant on the Student route is either applying for entry clearance or permission to stay but has lived in the UK with permission for less than 12 months, they must meet the relevant location-based level of funds. The provisions under Appendix Student then go on to qualify the rules in the context of specific scenarios, for example, where the applicant has already paid their course fees in full or paid a deposit to the student sponsor for accommodation arranged by their sponsor.

The financial requirement rules under Appendix Student also require the applicant to show that they have held the required level of funds for a 28-day period and “as specified in Appendix Finance”, unless the applicant is relying on a student loan or official financial sponsorship which meets the requirements of FIN 8.3. in Appendix Finance.

Need assistance?

DavidsonMorris are UK immigration specialists. For expert guidance on a UK visa application, including guidance on financial requirements under Appendix Finance, contact us .

Appendix FM FAQs

What is the meaning of appendix finance.

Appendix Finance prescribes the way in which funds must be shown by the applicant to satisfy the financial requirement on different visa routes, while each individual route prescribes the amount of funds and length of time they must be held.

What is the appendix financial requirement guidance?

Appendix Finance can be found at GOV.UK, together with Home Office guidance on how to interpret its provisions. This online guidance is to advise Home Office caseworkers when assessing whether applicants have met the financial requirement under Appendix Finance.

What is the appendix visa for the UK?

The UK’s Immigration Rules are made up of multiple sections, with several appendices setting out the rules relating to various different visas. There is no general ‘appendix visa’, but rather appendices relating to different ways to come to the UK.

What is appendix FM-SE for a director?

Appendix FM-SE of the UK’s Immigration Rules relates to ‘specified evidence’ needed to meet the financial requirement for family members under Appendix FM, including a list of documents which must be provided as a director of a specified limited company.

Last updated: 27 June 2023

Founder and Managing Director Anne Morris is a fully qualified solicitor and trusted adviser to large corporates through to SMEs, providing strategic immigration and global mobility advice to support employers with UK operations to meet their workforce needs through corporate immigration.

She is a recognised by Legal 500 and Chambers as a legal expert and delivers Board-level advice on business migration and compliance risk management as well as overseeing the firm’s development of new client propositions and delivery of cost and time efficient processing of applications.

Anne is an active public speaker, immigration commentator , and immigration policy contributor and regularly hosts training sessions for employers and HR professionals

• Anne Morris https://www.davidsonmorris.com/author/anne/ Guide to Travelling to the UK
• Anne Morris https://www.davidsonmorris.com/author/anne/ Explore Commonwealth Visa Options
• Anne Morris https://www.davidsonmorris.com/author/anne/ How to Live Permanently in the UK
• Anne Morris https://www.davidsonmorris.com/author/anne/ UK Immigration Appeal & Status Guide 2024

About DavidsonMorris

As employer solutions lawyers, DavidsonMorris offers a complete and cost-effective capability to meet employers’ needs across UK immigration and employment law, HR and global mobility .

Led by Anne Morris, one of the UK’s preeminent immigration lawyers, and with rankings in The Legal 500 and Chambers & Partners , we’re a multi-disciplinary team helping organisations to meet their people objectives, while reducing legal risk and nurturing workforce relations.

Legal Disclaimer

The matters contained in this article are intended to be for general information purposes only. This article does not constitute legal advice, nor is it a complete or authoritative statement of the law, and should not be treated as such. Whilst every effort is made to ensure that the information is correct at the time of writing, no warranty, express or implied, is given as to its accuracy and no liability is accepted for any error or omission. Before acting on any of the information contained herein, expert legal advice should be sought.

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UK Visitor Visa Sponsor Document Requirements and Proof Of Funds

By Amar Ali, Immigration Solicitor

As a prospective visitor to the UK, there are a number of requirements you will need to meet before you are permitted entry into the country. Primarily, Home Office entry clearance officers are most concerned with ensuring that only those who are genuine and credible visitors are given entry. Another aspect of the checks carried out by the Home Office on visitors to the UK is to ensure that they have both accommodation and sufficient money while they are here. In this article, we will outline the evidence required to show that a third-party is able to sponsor a visitor to the UK.

The Adequate Maintenance & Accommodation Requirement

When applying for a visitor visa , you will need to demonstrate that you have the financial means to cover your maintenance and accommodation needs while in the UK, for yourself and your dependants. The Home Office will take into account whether you have sufficient funds for:

• your return or onward journey
• any planned activities in the UK
• your overall costs while in the UK (e.g. shopping, accommodation, food).
• your income and cash savings
• your financial commitments
• the income you will still receive while in the UK
• your costs in relation to your dependants

If you do not have adequate funds to cover your stay in the UK, however, it is possible to be sponsored by a person in the UK; this is referred to as sponsorship by a third-party.

What Checks Does The Home Office Carry Out In Relation To The Sponsor Of A Visitor To The UK?

Section V4.3 of the Immigration Rules Appendix V : visitor rules clarifies that travel and maintenance, and accommodation can be provided by a third party. It is not sufficient to show that the sponsor has the financial means to sponsor a visitor, they must also have a genuine relationship and intention to sponsor. Case Officers are required to check those sponsors:

• have a genuine professional or personal relationship with the visitor; and
• are not, or will not be, in breach of UK immigration laws at the time of decision or the visitor’s entry to the UK; and
• can and will provide support to the visitor for the intended duration of their stay

It is important to note that the sponsor does not have to be based in the UK, they can be outside (in which case the second of the three requirements above does not apply).

The Home Office guidance states that case officers “may want to check with the applicant or third party, where they met, and how often and by what method they communicate. If the third party is an individual such as a friend or family member providing financial support for the visitor, they must satisfy you that they have enough funds available to adequately support themselves and anyone normally dependent on them, as well as the visitor. Where you have doubts around the intentions of the third party to provide this support, you must refuse the application”. This shows the extent to which case officers may investigate the genuineness of the relationship and suitability of the sponsor to provide financial support to a UK visitor. As such, it is essential that if you are relying on a sponsor to come to the UK for a short visit, you provide all of the information upfronts as part of your application.

What Evidence Should Be Provided To Satisfy The UK Visitor Visa Sponsorship Requirements?

There is a section on the UK visitor visa application to declare that you are being sponsored during your time in the UK, to explain the genuineness of your relationship, and their ability to sponsor you, but it is always advisable to include a covering letter to allow you to elaborate. It is advisable to include a supporting letter from each party (i.e. applicant and sponsor). The applicant’s supporting letter should include:

• A declaration that you are being sponsored
• Your sponsor's name, address, and personal details
• A break-down of all of your expected costs while in the UK, including those of your dependants
• An explanation of your relationship with your sponsor, including how you met, how often you meet and/or speak, and why they are sponsoring you

Your sponsor should also provide a written undertaking which includes details of their income/savings, and hence ability to sponsor you – this may be in the form of bank statements and proof of income. It should also clarify that they willing to support the applicant (and their dependants) with maintenance and accommodation costs during the whole time they are in the UK.

As stated in V4.4 in appendix V of the visitor rules, “The third party may be asked to give an undertaking in writing to be responsible for the applicant’s maintenance and accommodation. In this case, paragraph 35 of Part 1 of these Rules applies also to Visitors. An applicant will normally be refused where, having been requested to do so, the applicant fails to provide a valid written undertaking from a third party to be responsible for their maintenance and accommodation for the period of any visit”.

Final Words

If you are planning to come to the UK as a visitor, but you do not have sufficient funds to cover the costs of your stay, you can be sponsored by a third-party from inside the UK or outside. The key to ensuring you receive a positive decision is providing as much information upfront proving that your relationship with your sponsor is genuine, and they can fully support you financially while in the UK. Rather than rely on the Home Office case officer to respond back to you with any questions or points of clarification, your aim (and that of your sponsor) should be to pre-empt any questions and provide as much detail as possible.

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How much money do visitors need for their visit to the UK?

An individual who needs a visa to come to the UK as a visitor must have sufficient funds in order to cover reasonable costs for their visit. Nick Gore takes a look at this requirement.

When making an application for a visa to visit the UK , an applicant must meet several key requirements that are contained in Appendix V of the Immigration Rules (HC395, as amended). These include satisfying the Home Office that they are a ‘genuine visitor’ and that they intend to leave the UK at their end of their visit – we looked at those provisions here .

Under Appendix V, the applicant must also satisfy the Home Office that they have ‘sufficient funds’ in relation to:

‘Reasonable costs in relation to their visit without working or accessing public funds. This includes the cost of the return or onward journey, any costs relating to dependants, and the cost of planned activities such as private medical treatment’.

Unfortunately, failure to demonstrate this requirement can lead to a refusal of a visit visa application. We cover some of the most common reasons for refusal here .

As set out in the Home Office visit visa guidance , there is no minimum level of funds that applicants need demonstrate, unlike the spouse and partner visa requirements . However, the Home Office increasingly expects a large number of documents detailing both how the applicant intends to finance their stay in the UK, as well as the source of these funds.

Every application is different, depending on the applicant’s lifestyle, background and the activities they intend to undertake in the UK. We have therefore explored the most common ways of meeting this requirement below.

Employment Evidence of regular earnings from employment can be helpful, as demonstrated by payslips and also bank statements that show the salary entering the applicant’s bank account. It is also useful to have a letter from the employer confirming the salary, when the salary is paid, how the salary is paid as well as details regarding the applicant’s role.

Applicants should ensure if they submit evidence of employment, this shows that they earn enough to be able to afford their visit to the UK.

Non-employment sources of income If the applicant has other sources of income, such as dividends, proceeds from rent or a pension, this must be clearly demonstrated.

Evidence of the money entering the bank account should be provided, as well as any documentary evidence of the source of the funds, such as share and rental agreements or a letter from the pension provider. Ideally this will show a history of regular payments, and indicate that payments should continue. If evidence of a business is being provided, documents which demonstrate the business’ profits and activity may also be considered.

Savings If the applicant has amassed savings for the trip, through employment or otherwise, this should be demonstrated. Bank statements showing the amount of money available, and the source should be provided. If the money has been provided from another person, this may amount to third party support.

Third party support It is possible for a third party to pay for the applicant’s visit to the UK. Appendix V confirms that a third party can provide support providing the Home Office is satisfied that they:

(a) have a genuine professional or personal relationship with the visitor; and

(b) are not, or will not be, in breach of UK immigration laws at the time of decision or the visitor’s entry to the UK; and

(c) can and will provide support to the visitor for the intended duration of their stay.

The third party can be a family member or friend, or an organisation or colleague professionally connected to the applicant. They should provide evidence of their relationship with the applicant, such as birth certificates, or a letter from the organisation or colleague regarding how they know the applicant and details of their trip. It may also be helpful to provide evidence of how well the applicant and third party know each other, such as pictures or evidence of communication.

If a third party is providing support, they will also have to provide an undertaking, and they should be aware of the responsibility of this. The Home Office may consider the third party’s history of providing support as well as their immigration status.

The source of income of the third party should also be provided, and if the third party is an individual there should be sufficient evidence that they can support themselves as well as the applicant and any dependants.

Home Office assessment The Home Office will also consider the financial commitments of any applicant and their dependants, and potentially the third party’s outgoings. Ideally, the main financial commitments of the applicant will be demonstrated and shown to be less than the applicant’s source of income or savings.

It may also be helpful to outline and demonstrate the main financial costs of the visit to the UK, and if these are particularly unusual strong evidence must be provided.

How we can help We have significant experience in assisting individuals with complex circumstances or who have previously received a refusal to make successful visit visa applications.

If you require advice on an application for a UK visit visa one of our team would be happy to have an initial discussion and can be contacted here .

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By Nick Gore | 16 January 2020 | Personal .

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UK Visitor Visa Requirements: How to Obtain a UK Tourist Visa

To obtain a uk visitor visa, there are specific requirements that need to be met. these include providing proof of purpose of visit, financial stability, and return plans. it is essential to understand the uk visitor visa requirements before applying for a tourist visa..

Key Takeaways:

• Find out if you need a UK Visitor Visa based on your nationality or current visas to other regions.
• Follow a step-by-step guide to obtain a UK Tourist Visa, including determining the visa type and gathering necessary documents.
• Stay informed, provide accurate information, and apply early to ensure a smooth application process for a UK Visitor Visa.

Understanding UK Visitor Visa Requirements

Visiting the United Kingdom can be an exhilarating experience, filled with historic sites, cultural events, and scenic landscapes. Before packing your bags, it’s crucial to understand the essentials of obtaining a UK tourist visa. In this guide, we’ll cover the key requirements and provide a streamlined approach to ensure your entry into the UK is as smooth as your travels.

Who Needs a UK Visitor Visa?

While some travelers may be exempt due to their nationality or current visas for other regions like the European Union, many will need a UK visitor visa to enter the country. It’s important to check the latest information on the UK government’s official website to verify if you need a visa based on your specific circumstances.

Step-by-Step Guide to Obtaining a UK Tourist Visa

To ensure a successful application, it’s essential to thoroughly understand and meet the UK visitor visa requirements. Here’s a breakdown to guide you through the process:

1. Determine Your Visa Type

There are various visas available for those looking to visit the UK. If you’re planning a holiday, visiting family, or a short business trip, the standard visitor visa is likely the appropriate choice.

Also of Interest:

New eu visa scheme simplifies travel for indians, sharp drop in uk care worker visas for early 2024, 2. gather necessary documentation.

The UK Home Office requires several documents to process your visa application. These typically include:

• A valid passport or travel document with at least one blank page.
• Proof of financial means to cover your stay in the UK, such as bank statements or payslips.
• Details about your accommodation and travel plans.
• Additional documents may be required depending on your employment status or the purpose of your visit.

3. Apply Online

Applications for UK visitor visas are generally made online. You’ll need to fill out the application form accurately and submit it along with your supporting documentation.

4. Pay the Visa Fee

The visa application requires payment of a fee, which varies depending on how long you plan to stay in the UK. Make sure you have the necessary funds to cover this cost.

5. Schedule and Attend an Appointment

After submitting your application, you’ll need to book an appointment at your local visa application center. During this appointment, you will provide your fingerprints and a photograph.

6. Await the Decision

Processing times for visas can vary greatly, so apply well in advance of your travel date. You can check the processing times on the official [UK Visa and Immigration website](https://www.gov.uk/browse/visas-immigration tourist-visas).

7. Collect Your Visa

If your application is successful, you’ll either receive your visa by mail or you’ll need to pick it up from the application center.

Helpful Tips for a Smooth Application Process

• Double-check your application: Ensure all information is correct and matches the details in your travel documents.
• Provide evidence of ties to your home country: This can include employment details, property ownership, or family ties, illustrating your intent to return after your visit.
• Be transparent: If you’ve been denied a visa before, be truthful about it and provide details as to why it happened.
• Apply early: As mentioned, visa processing times can be lengthy; applying in advance can mitigate potential delays.

Staying Informed and Prepared

Immigration laws and visa requirements can change, so it’s critical to stay up to date with the most current information before and during the application process. Consulting the UK Visas and Immigration guide gives you access to official advice and updates.

By following these guidelines and understanding the UK visitor visa requirements, aspiring travelers can apply for their visas with confidence. With the right preparation and attention to detail, obtaining a UK tourist visa is a manageable process, paving the way for an enjoyable visit to the United Kingdom.

Expert Insights

Did you know.

• Historical Context: The United Kingdom has a long history of immigration. During the Roman period, people from all across the Roman Empire migrated to Britain. In more recent history, immigration from former colonies such as India, Pakistan, and Jamaica significantly contributed to the multicultural society that exists in the UK today.

Commonwealth Immigration Act 1968: The Commonwealth Immigration Act was introduced in the UK in the late 1960s and aimed to restrict the immigration of Commonwealth citizens. This law was implemented due to concerns over increasing immigration numbers and rising unemployment rates.

The Windrush Generation: The Windrush Generation refers to the people who arrived in the UK from the Caribbean between 1948 and 1971 in response to labor shortages after World War II. They were named after the ship MV Empire Windrush, which brought the first wave of Caribbean immigrants to the UK. Many of these individuals faced significant challenges, including immigration status issues, during their time in the country.

EU Freedom of Movement: Under the EU’s free movement policy, citizens of EU member states have the right to live, work, or study in any other member country. This means that individuals from EU countries can travel to and reside in the UK without the need for a visa, allowing for seamless movement within the European Union.

Points-Based System: The UK introduced a points-based immigration system in 2008. This system assesses applicants based on various criteria, such as education, work experience, and English language proficiency, to determine their eligibility for a visa. The system aims to prioritize immigrants who fill skill shortages in the UK labor market.

Asylum Seekers: The UK is one of the top destinations for asylum seekers in Europe. In recent years, the number of people seeking asylum in the UK has increased, with the highest number of applications coming from countries such as Iran, Iraq, and Sudan.

Citizenship by Descent: The UK allows individuals to claim British citizenship if they can prove that they have a parent or grandparent who was born in the UK. This provision, known as citizenship by descent, allows eligible individuals to obtain British citizenship based on their ancestral connections to the country.

Irish Nationals: Irish citizens have a unique status in the UK due to the Common Travel Area agreement. This agreement allows for the free movement of people between the UK and the Republic of Ireland, granting Irish nationals the right to live, work, and access public services in the UK without any immigration restrictions.

Naturalization Requirements: To become a British citizen through naturalization, applicants must meet several requirements, including passing the Life in the UK Test, demonstrating English language proficiency, and meeting residency criteria. The naturalization process provides an opportunity for individuals who have been residing in the UK for an extended period to become full British citizens.

Contributions of Immigrants: Immigrants have played a significant role in shaping the UK’s cultural, social, and economic landscape. They have contributed to various sectors of society, including healthcare, technology, arts, and sports, enriching the country’s diversity and fostering innovation and growth.

These lesser-known facts shed light on the historical, legal, and cultural dimensions of immigration in the United Kingdom. Understanding these aspects helps to provide a broader context for visitors and residents alike, fostering a deeper appreciation for the country’s diverse and ever-evolving immigration landscape.

Learn today

Glossary or Definitions

• UK Visitor Visa: A visa issued by the United Kingdom government to individuals who wish to visit the country for tourism, visiting family or friends, or short-term business trips.

Nationality: A person’s legal relationship with a particular country, determined by birth, descent, or naturalization. Nationality defines an individual’s rights and obligations in a particular country.

European Union (EU): A political and economic union of 27 member states located primarily in Europe. The EU allows for the free movement of goods, services, capital, and people among its member countries.

UK Home Office: A government department responsible for immigration, border control, law enforcement, and security within the United Kingdom.

Passport: An official travel document issued by a country’s government that certifies the identity and nationality of the holder. Passports are required for international travel and serve as proof of identity when entering a foreign country.

Blank Page: An unused page in a passport without any stamps, visas, or travel endorsements. Most countries require a certain number of blank pages in a passport for visa issuance and immigration purposes.

Proof of Financial Means: Documentation demonstrating that the visa applicant has sufficient funds to cover their expenses during their stay in the United Kingdom. This may include bank statements, payslips, or evidence of sponsorship.

Accommodation: A place where a person stays temporarily, such as a hotel, guesthouse, or the home of a relative or friend. For a UK visitor visa, applicants must provide details of their planned accommodation in the UK.

Travel Plans: Itinerary or details of the intended travel activities and destinations within the United Kingdom. This may include flight reservations, hotel bookings, or a planned schedule of sightseeing.

Employment Status: The current working condition or situation of an individual, such as employed, self-employed, unemployed, or retired. The applicant’s employment status may affect the documentation required for a UK visitor visa.

Visa Fee: A payment required when submitting a visa application. The amount of the fee varies depending on the type and duration of the visa being applied for.

Visa Application Center: An official facility where visa applicants are required to attend an appointment, submit their biometric data (fingerprints and photograph), and provide any additional documents or information as needed.

Processing Times: The length of time it takes for the UK Visas and Immigration office to review and make a decision on a visa application. Processing times can vary, so it is advisable to apply well in advance of the intended travel date.

Transparency: Being open, honest, and forthcoming in providing information and details during the visa application process. Applicants should disclose any previous visa denials or refusals and provide accurate information to avoid potential complications.

Ties to Home Country: Evidence or documentation that demonstrates an applicant’s strong connections and commitments to their home country, such as employment, property ownership, family relationships, or other social or economic ties. This helps to establish the applicant’s intention to return home after the visit to the UK.

Immigration Laws: The legal framework and regulations governing the entry, stay, and removal of foreign nationals in a country. Immigration laws define the rights, responsibilities, and requirements for individuals wishing to visit or settle in a particular country.

Official Advice: Information and guidance provided by the government or authorized agencies regarding immigration processes, visa requirements, and changes in immigration policies and procedures. It is important to consult official advice to ensure accurate and up-to-date information.

Updates: The latest information or changes in rules, regulations, or requirements regarding immigration and visa processes. It is essential to stay informed about updates to avoid any misunderstandings or difficulties during the application process.

So there you have it, my intrepid travelers! That wraps up our guide to understanding UK visitor visa requirements. Remember, it’s all about gathering the right documents, filling out that online application, and staying up to date with any changes in the rules. And if you want even more visa-related goodies, be sure to check out visaverge.com. Happy travels, and may you soon be sipping tea with the Queen!

FAQ’s to know:

FAQ 1: Who needs a UK visitor visa?

Answer: To enter the United Kingdom, many travelers need a UK visitor visa. However, exemptions are possible based on nationality or existing visas for other regions like the European Union. To determine if you need a visa, it is crucial to check the information provided on the UK government’s official website or consult with relevant authorities.

FAQ 2: What are the steps to obtain a UK tourist visa?

Answer: To obtain a UK tourist visa, follow these steps:

• Determine your visa type: Choose the appropriate visa based on the purpose of your visit.
• Gather necessary documentation: Prepare documents such as a valid passport, proof of financial means, accommodation and travel plans, and additional documents depending on your circumstances.
• Apply online: Fill out the application form accurately and submit it along with the required supporting documents.
• Pay the visa fee: Ensure you have the necessary funds to cover the visa application fee, which varies depending on the duration of your stay.
• Schedule and attend an appointment: Book an appointment at your local visa application center to provide your fingerprints and a photograph.
• Await the decision: Processing times vary, so it’s important to apply well in advance of your travel date. Check the processing times on the official UK Visa and Immigration website.
• Collect your visa: If your application is successful, you will either receive your visa by mail or need to pick it up from the application center.

FAQ 3: What are some helpful tips for a smooth UK visitor visa application process?

Answer: To ensure a smooth UK visitor visa application process, consider the following tips:

• Double-check your application details: Accuracy is crucial, so review and verify all information provided in your application form.
• Provide evidence of ties to your home country: Illustrate your intent to return after your visit by including evidence such as employment details, property ownership, or family ties.
• Be transparent about previous visa denials: If you have been denied a visa before, be truthful about it and provide explanations for the previous denial.
• Apply early: Visa processing times can vary, so it is advisable to apply well in advance to avoid potential delays.

By following these tips and understanding the UK visitor visa requirements outlined in the guide, you can improve your chances of a successful visa application and enjoy your visit to the United Kingdom.

What did you learn? Answer below to know:

• True or False: All travelers visiting the United Kingdom require a UK visitor visa.
• Which document is NOT typically required for a UK visitor visa application? a) Valid passport b) Proof of financial means c) Employment contract d) Accommodation and travel plans details
• What is a recommended tip for a smooth UK visitor visa application process? a) Provide evidence of ties to your home country b) Apply on the day of your planned travel c) Withhold information about past visa denials d) Check the official UK government website after submitting the application

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Visa Information

Financial evidence and bank statements

Provide the correct financial evidence in line with UKVI visa application requirements.

Most international students need to show the UKVI that they can afford to study in the UK. Find out how much you need to show:

28 day rule

The UKVI require the money to have been held for a period of at least 28 consecutive days, without dropping below the required amount at any time during that 28 day period.  If it does drop below the required amount, the 28 days will restart from the date when the required amount of money is available again.

If you are a self-financing student, the most common way of showing the UKVI the money is available and has been for 28 days is through Bank Statements,  Other Financial Statements or Certificates of Deposit.

Bank statements

There are strict guidelines about bank statements. The statement must be issued by a bank which the UKVI accept. This means the bank must be regulated by the official governing body which regulates the banking or financial industry in your country. 

In addition to showing information about the account holder, the account number, currency in which the funds are held and relevant dates, the bank statement must also be dated within 31 days of your Visa application.  Purely as an example, if your bank statement was dated 1 January, we and the UKVI must be able to see that you have held the required amount of money for at least 28 days immediately before that date.  You could then use this bank statement for a visa application up to 31 January but no later.

You can provide a download of electronic bank statements as long as they show the required information. You no longer need to have these stamped by the bank.

The UKVI will check your financial evidence as part of your visa application and if they cannot confirm this is accurate and authentic, your visa application will be refused on financial grounds. 

RGU do not currently accept bank statements from microfinance banks, as the UKVI have had problems verifying these.  

You can show more than one account in your own name if you have funds in several accounts, provided they meet the 28 day rule.   

Statements can also be in different currencies.

You can also use a letter from the bank saying the total amount of money available to you which has been held for 28 days immediately before the date of the letter.

You can use a joint account if you are one of the people named on the account.

Other accounts

Other accounts or financial instruments such as shares, bonds, overdrafts, credit cards and line of credit are not acceptable, regardless of notice period.

Certificates of Deposit

These are mostly acceptable but they must show a similar level of detail to that which is required for a bank statement. 

When dealing with a Certificate of Deposit, we and the UKVI must be able to see that the funds are in the form of cash and are immediately available to the account holder for withdrawal.  Very few certificates of deposit have this type information printed on them so you must also get a letter from the financial institution issuing the certificate confirming this and the amount which has been held for a minimum of 28 days counting back from the date of the letter.  Using Certificates of Deposit can be tricky so if you are in any doubt whether what you have meets the UKVI requirements, get in touch and we will advise you.

Government Sponsorship Letter sample

Using a bank statement from your parents

Company Sponsorship Letter sample

Bank Support Letter

Further Information

Please do not send any documents until these are asked for by the Admissions Department or Immigration Team.  When we ask for documents, unless we tell you otherwise, do not send original documents, send scans of them or very good quality photographs where all the details on the document can be seen.  Keep original documents for your visa application.

If you have any questions about your financial evidence and cannot find the answers on our web pages, please contact [email protected]

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• Entering and staying in the UK
• Visas and entry clearance
• Student visas

Financial evidence for Student and Child Student visa applicants

Find out how much money you need to get a Student or Child Student visa, and how to prove you have the money.

When you apply for a Student or Child Student visa, you must show you have enough money to pay for your:

course fees

living costs

partner or children’s living costs, if you’re bringing them on your visa

You do not need to provide financial evidence if:

you’re applying for permission to stay and you’ve been in the UK with a valid visa for at least 12 months

your nationality is exempt

you’re applying as a Student Union Sabbatical Officer

you’re applying to study as a doctor or dentist in training

How much money you need - Student visa

Course fees.

You need to show you have enough money to pay your course fees. These are shown on your Confirmation of Acceptance for Studies (CAS).

Your education provider will send your CAS when they offer you a place on a course.

Living costs

If you board at a residential independent school, you need enough money to pay boarding fees for one academic year.

For all other courses, you need:

£1,023 for each month of your course (up to a maximum of 9 months), if you’re studying outside London

£1,334 for each month of your course (up to a maximum of 9 months), if you’re studying in London

For each dependant you bring, you also need:

£680 for each month of your visa (up to a maximum of 9 months), if you’re studying outside London

£845 for each month of your visa (up to a maximum of 9 months), if you’re studying in London

How much money you need - Child Student visa

The amount of money you need for living costs depends on where you live.

If you board at a residential independent school

You need enough money to pay boarding fees for one academic year.

If you live during term time with a foster carer or close relative who is a UK resident or British citizen

The person you are living with needs £570 for each month of your course (up to a maximum of 9 months).

If you live with a parent or legal guardian who has a Parent of a Child Student visa

£1,560 for each month of the visa (up to a maximum of 9 months) for the first child accompanying the parent

£625 for each month of the visa (up to a maximum of 9 months) for each additional child

If you live independently as a 16 or 17 year old

How to prove you have the money.

You can prove you have enough money using:

a student loan from a government, government sponsored loan company, or a regulated student loans scheme

an official financial sponsorship – for example, from a national government or university

your own money

your parent’s money – they must provide a letter confirming they agree to you using it this way

your partner’s money, if your partner is in the UK or applying at the same time

You cannot use:

cryptocurrency

stocks and shares

bank accounts that are not regulated by the financial regulatory body in the country in which the bank operates

bank accounts that do not use electronic record keeping

Evidence you need to provide

Student loan.

You need to show a student loan letter which:

is dated no more than 6 months before you apply

confirms the loan is a student loan, provided by either the government, a government sponsored student loan company, or an academic or educational loans scheme

confirms there are no conditions on the release of the loan, other than a successful application to study

confirms the amount of the loan

confirms the loan is for you

confirms the money will be available to you, or paid directly to the sponsor, before you begin your course

Official financial sponsorship

You need the reference number sent by your education provider. This is shown on your Confirmation of Acceptance for Studies (CAS).

If your financial sponsorship is not recorded on your CAS, you also need to show a letter of confirmation from the financial sponsor.

The letter must show:

the name of the financial sponsor

contact details of the financial sponsor

how long the sponsorship will last

the amount of money they will give you (or confirmation they will pay all your fees and living costs)

Your own money, or your parent’s or partner’s money

The money can be in any form of personal bank or building society account, such as a current account or a savings account.

If you’re using your own money, it must be an account you control.

If you’re using your parent’s or partner’s money, it must be an account they control.  

The money must have been acquired legally. For example, it cannot be money from working illegally in the UK.

The account must allow immediate access to the money.

You must have had enough money for 28 days in a row. The 28 days is calculated by counting back from the date of the closing balance on the most recent evidence you provide.

To prove this, you can provide any of these:

bank statements – these can be paper or electronic downloads

building society passbooks

certificates of deposit

letters from your bank or building society

The evidence must be from no more than 31 days before the date you apply for your visa. It must show:

the name of the bank or building society

how much money is in the account

If the money is in a foreign currency, we will convert it to British pounds using the spot exchange rate on OANDA for the date of the application.

We may verify the evidence with your bank. If we cannot verify the evidence, your application may be refused.

Nationalities that do not need to provide financial evidence

You do not need to prove you have enough money if you have any of these:

• British National (Overseas) passport
• Hong Kong SAR passport
• Macau SAR passport
• Taiwan passport, including the number of your Taiwanese identification card

You do not need to prove you have enough money if you’re a national of:

• Dominican Republic
• Liechtenstein
• Netherlands
• New Zealand
• South Korea
• Switzerland
• United Arab Emirates

Removed information about the Doctorate Extension Scheme, which is no longer open.

List of unacceptable evidence updated.

Updated 'Control of the funds' section to clarify how the 28 days are calculated.

Financial requirement figures amended in line with 1 December changes to Immigration Rules.

First published.

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