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| UK Visit Visa Bank Statement Requirement in 2022 |
In the name of ALLAH, the most beneficent, the most
merciful
UK Visit Visa Bank Statement Requirement in
2022
Importance of Bank Statement in
I myself have applied for UK Visit Visas on behalf of
about 30 applicants, out of which, about 25 Visa applications remained
successful, however remaining visa applications had no success. From successful
visa applications and unsuccessful visa application, I gained reasonable
experience, on the basis of which, I am going to provide detailed information about
Bank Statement requirement for a UK Visit Visa.
Although, obtaining UK Visit Visa / Standard Visitor Visa is
not a difficult task but still number of Visit Visa applications are refused by
Visa Officer / Entry Clearance Officer. This happens because of lack of
knowledge of applicants to apply for a Visit Visa. Each Category of a Visa
application demands different requirements, which should be met according to
the visa application category and other circumstances of applicant.
In addition to other documents, Bank Statement plays a very
important role when applying for a Visit Visa for
Although, there is no hard and fast rule about bank
balance of applicant applying for a Visit Visa for
UK Visit Visa Bank Statement requirement
The UK Embassy requires from an applicant of UK Visit Visa
to produce an updated bank statement of least 06 months. It is better to
produce bank statement of more than 6 months, in some circumstances. It is recommended
to produce Bank Statement along with Account Maintenance Certificate, duly
signed and stamped by the concerned bank, printed on its letter headed paper.
Bank Balance required for
There is no rule with regard to having minimum amount in
Bank Account of an applicant for UK Visit Visa nor is such requirement
displayed on official website of UKVI. However, there must be reasonable/ sufficient
amount in bank account to bear all the expenses of proposed visit visa for
But still, question is there that what is reasonable
amount? The reasonable amount may vary from case to case. In some cases, the
reasonable amount might be 2000 GBP, in some cases reasonable amount might
be 3000 GBP, in some cases reasonable amount might be 4000 GBP and
so on.
To understand reasonable / sufficient amount, the answers
of following questions should be kept in mind:-
i.
What is your purpose
of visit?
a. Family
Visit
Or
b. Tourism
Answer:
In a family visit, the family member in UK may provide
accommodation and meal to you (applicant), hence in a Family Visit, less
money can be shown in Bank Account as compare to Tourism, so the
expenses which may incur on accommodation and meal are excluded in this case because
the burden of bearing cost of meal and providing accommodation shifts from the you
(applicant) to the shoulder of your Family member / sponsor in
In case of tourism, additional amount is
required to be shown in Bank Account as compare to Family Visit, because, in
addition to bearing other expenses, you will also have to bear Hotel Charges
/ accommodation and meal expense as well during your whole stay.
ii.
Duration of Stay?
If you are on your journey of tourism, without being
financially supported by any one, you should take into consideration the number
of days of your stay in
iii.
Is any one is financially
supporting for your trip to
a. Your
parents or any other relative in country from where you are applying?
or
b. Sponsor/
relative based in
Answer:
If anyone either from the country of applying or from any
person/company in
iv.
If someone is
financially supporting for your trip, to what extent he is financially
supporting you?
a. Full
financial support, which
may include your travel expenses, Airline expenses, accommodation, meal and
other expenses during your stay.
Or
b. Partial
financial support, which might be your just accommodation
in
Answer:
If full financial support is provided, less bank
balance can be shown in Bank Account. In case of partial financial support, the
bank balance should be more as compare to full financial support.
How much bank statement is required for
You should keep double or triple or more
than that of your estimated expenses of your proposed trip to
Total expenses for
How much money is required to travel to
To know what exact amount of money, you should have in
your Bank Account, depends on different factors:
1.
By which Airline, and which
class either Economy or Business Class, you are going to travel to
2.
By which Airline, and which
class either Economy or Business Class, you are going to travel back to your
native country?
3.
How many days you are going
to stay in
4.
What standard of Hotel and in
which area, you are going to stay in?
5.
In which cities, areas you
are going to visit in
6.
How much expensive food you
would eat?
7.
What other additional
expenses would you bear including transportation?
As an Average, if you want to stay in
The detail of estimated & average expenses for UK Trip
of 14 days is as under:-
|
Sr. No. |
Detail of
expenses |
Amount in GBP |
|
1. |
Airline expenses/ Flight Expenses (Return Ticket) |
1000 GBP |
|
2. |
Hotel Charges |
800 GBP |
|
3. |
Food expenses |
700 GBP |
|
4. |
Transportation and miscellaneous |
1200 GBP |
|
|
Total |
3700 GBP |
Again, it is stated the above said expenses are not fixed
and may vary depending upon case to case, detail of which has been provided
above. The expenses for a UK Visa trip for 14 days may be less than 3700 GBP
and may be 3700 GBP.
Impact of your Income & Expenses on your
Bank Statement for
When you apply for a Visit Visa online, in addition to
other questions, you are also asked to answer the questions about your income
and expense, which are very important questions in view of Visa
Officer/Entry Clearance Officer because the Visa Officer evaluates your
financial circumstances by calculating your income and expenses and comparing
it with Balance amount lying in your Bank Account. The Visa Officer also takes
into consideration any large credits or debits entries in your
Account statement. After evaluating your financial circumstances, if Visa
Officer remains unsatisfied, your Visit Visa Application can be refused,
however if Visa Officer remains satisfied with your financial circumstance and
think that your stated income & expenses match with the Balance amount
lying in your Bank account and also match with the credits and debits entries,
your visa application can be accepted and you can be granted UK Visit
Visa. Not only Bank Statement but other factors are also taken into
consideration by the Visa Officer.
If you are having a low balance in your Bank
Account and just for obtaining UK Visit Visa, you ask someone to deposit in
your Bank Account a certain/ heavy amount, your Visa Application can be
refused on this ground alone, if no satisfactory explanation with regard to
such credited amount along with proof has not been provided to the Visa Officer.
Because Visa Officer thinks that such certain/heavy amount credited in your bank
account does not belong to you and same has been credited just to get
success in Visa processing.
So, if you are a genuine applicant, and have
any genuine heavy credit or debit entry in your Bank Statement, same should be explained
in detail to avoid from visa refusal.
How to explain/prove any genuine heavy Credit
or Debit Entry in your Bank Account statement
Credit Entry: If you have any heavy credit
entry (means large deposit in your Bank Account), you must explain the source of
such credited amount and attach relevant supporting document. For example, you
have sold your any property and received its sale consideration; you must explain
it in your Cover Letter and online Visa application form that such amount is received
against selling that particular property. Besides explaining source of amount, you
must attach proof of ownership of your property and Sale Agreement executed
between you and purchaser along with their translation in English if these
documents are not in English.
Debit Entry: If there is a heavy Debit
Entry (means large withdrawn money), you should also explain it with supporting
documents.
If you are employed in any Department
If you are employed in any department, it is
recommended that your monthly salary should be directly transferred in
your bank account so that Visa Officer may not have any suspicion about your
employment and salary.
If you are self- employed or own any business
If you are self employed or own any business, you
should keep financial record digitally / do all transactions through Bank,
so that you would be able to easily prove your business and credit or debit
entries.
If you are a landlord, and deriving your
income from tenants or by selling
properties
If you are a landlord and own various properties, and have
rented out your properties, you must explain your source of income either from rent
or from selling the properties. Furthermore, you should receive you rent from
the tenant directly in your bank account. In support of your version, you must
attach Rent Agreements with tenant along with proof of ownership of properties
and receipts of Taxes paid (if available).
Joint Bank Account for
It is always recommended that you should have bank account
solely in your own name. However, joint Account with your family member can
also be accepted but his written permission should be attached with Visa
application, allowing you to access all the funds, but be noted it is not an
ideal situation.
Visit Visa Refusal on less salary /income and
less savings
If you are receiving your monthly salary in your bank
account but the salary you are receiving is too much low, there is severe
apprehension that your visa application would be refused because of high expenses
of your UK Trip. In this situation,
direct transfer of monthly salary in your bank account will be of no avail.
Example:
Total Expenses on your proposed Visit are 1500 GBP
Your Monthly Salary is 200 GBP
Your monthly household expenses are 120GBP, meaning
thereby that you save only 80 GBP per month.
In 6 months you would be able to save just 6 X 80 GBP
= 480 GBP.
So in this situation, your visa application will surely be
refused because Visa Officer would think that you are not a genuine
visitor because no one can spend on his tourism trip three times more than he save
in six months