If you’re applying for a UK study, one document can make or break your approval — your bank statement for UK student visa. It’s not just a financial record. It’s your proof of readiness, stability, and eligibility to study in the UK.
Most rejections happen because of incomplete or unclear bank statements. But the good news is, this guide explains every detail — so you can prepare a flawless statement that meets all UKVI (UK Visas and Immigration) rules.
At 7 Sky Consultant, we’ve helped hundreds of students secure 100% visa success by submitting well-prepared financial documents. You’re about to learn exactly how to do the same.
What Is a Bank Statement for UK Student Visa?
Before you apply for your UK student visa, the Home Office wants proof that you can pay your tuition and living expenses without financial struggle. That’s where your bank statement comes in.
It’s an official document showing your financial activity and balance over a specific period — usually 28 days. The visa officer checks it to confirm your funds are genuine, sufficient, and available.
Your bank statement for UK student visa must:
- Show the required balance maintained for at least 28 consecutive days
- Be issued within 31 days of your visa application
- Include your name, account number, bank name, and logo
- Clearly display transaction history and closing balance
A well-prepared statement builds credibility. It tells the visa officer that your financial story is genuine, consistent, and trustworthy.
Why Is the Bank Statement So Important for Your UK Student Visa?
Let’s be honest — visa officers don’t just look at how much money you have. They look at how stable and reliable that money appears.
Your bank statement helps the officer see three important things:
- You have enough money to cover tuition, housing, and living costs.
- The funds are legally yours (or your sponsor’s).
- The money has been consistently available, not borrowed or transferred for show.
The UK government’s focus is financial integrity. They want students who can sustain themselves confidently. If your financial records are stable and clear, your application feels stronger.
Bank Statement Requirements for UK Student Visa
Preparing your bank statement is not complicated — but it must follow every UKVI requirement exactly. Missing even one rule can result in rejection.
Duration of the Statement
Your statement must show funds maintained for at least 28 consecutive days.
- The last date on your bank statement must be no older than 31 days before the date you apply for your visa.
- If your balance drops below the required level even for one day, it resets the count.
For example, if you’re applying on 10 July, your statement should show funds from 12 June to 9 July at minimum.
Minimum Bank Balance Required
The bank balance requirement for UK student visa depends on where you’ll study.
If you’re studying in London:
- You must show £1,334 per month for up to 9 months (£12,006 total).
If you’re studying outside London:
- You must show £1,023 per month for up to 9 months (£9,207 total).
In addition, your statement must show your first-year tuition fees as mentioned on your CAS (Confirmation of Acceptance for Studies) letter.
Example:
If your tuition fee is £10,000 and you’ll study outside London, your total required funds are:
£10,000 + £9,207 = £19,207 (or equivalent in your local currency).
These funds must stay untouched for 28 continuous days before you apply.
Type of Account You Can Use
The UKVI only accepts specific account types:
- Personal Savings Account — your own or your parent’s.
- Joint Account — accepted if your name appears on it.
- Parent’s Account — accepted with a consent letter and proof of relationship.
Not accepted:
- Business accounts
- Company or third-party accounts
- Cryptocurrency or investment accounts
Required Information on Your Bank Statement
Your UK student visa bank statement must include:
- Full name of the account holder
- Account number
- Bank name and logo
- Statement period (must cover 28 days)
- Transaction summary and balance
- Bank stamp and signature (if printed or digital copy)
Digital statements are accepted, but they must be authenticated by the bank — stamped or signed.
How the 28-Day Bank Statement Rule Works
This is one of the most misunderstood requirements. Let’s break it down simply.
The 28-day bank statement rule means the required funds must stay in your account continuously for 28 days.
Even one day below the required balance resets the timeline.
Example:
If your required balance is £19,207 and your account drops to £19,000 for one day, you must start counting again from that date.
The UKVI checks your closing balance carefully. Always keep extra funds (a buffer of £100–£200) to stay safe against currency fluctuations.
What Is the Correct Bank Statement Format for UK Student Visa?
The Home Office reviews bank statements in detail. A proper format shows authenticity and reduces delays.
Your Statement Should Include:
- Your full name and account number
- Bank’s name, logo, and contact details
- Statement date range
- Running and closing balance
- Transaction list
- Stamp and signature (for printed copies)
Example of Correct Layout:
| Account Holder | Student Name |
| Bank Name | ABC Bank |
| Account Number | 87654321 |
| Period | 1 April – 28 April 2025 |
| Closing Balance | £19,207 equivalent |
Keep every page numbered and make sure all information matches your CAS details exactly.
Common Mistakes That Lead to Rejection
The UKVI rejects thousands of applications every year due to simple document errors. Avoid these mistakes:
1. Inconsistent Balances
Your funds must not drop below the required level at any point in the 28-day period.
2. Sudden Large Deposits
Avoid depositing large amounts just before applying. It can appear suspicious and make the officer think the funds aren’t yours.
3. Missing Stamp or Signature
All printed or digital statements must be verified by your bank.
4. Incorrect or Mismatched Names
Your name on the statement must match your passport and CAS letter.
5. Wrong Currency Conversion
If your statement is not in GBP, use the OANDA exchange rate for conversion and mention the equivalent value.
Consistency is everything. When your financial documents look genuine, approval becomes straightforward.
How to Prepare a Perfect Bank Statement for UK Student Visa
Follow these steps to create a visa-ready bank statement that passes every check:
Step 1: Start Early
Maintain the required funds at least two months before you apply. This gives you time to fix any issues.
Step 2: Keep Your Balance Stable
Avoid withdrawing or transferring money during the 28-day period.
Step 3: Request the Statement on Bank Letterhead
Ask your bank to print the statement on official letterhead with a stamp and signature.
Step 4: Verify All Details
Check your name, account number, date range, and amount carefully.
Step 5: Add a Verification Letter
Request a short verification letter from your bank confirming your account details and balance. It strengthens your case.
When your financial documentation looks professional, the officer can verify it faster — increasing your approval probability.
Supporting Financial Documents to Strengthen Your Case
Your bank statement is mandatory, but you can also attach supporting proofs for extra credibility.
Include these if available:
- Fixed Deposit Receipts (showing liquid funds)
- Bank Certificate of Balance
- Scholarship Award Letters
- Education Loan Sanction Letter
- Sponsor Affidavit and Income Proof
- Currency Exchange Receipt
These documents show your funds are legitimate, available, and stable.
How Much Bank Balance Is Required for UK Student Visa from Pakistan?
This is one of the most searched questions — and here’s the exact answer.
If you’re applying from Pakistan, you must show funds equal to:
- First-year tuition fee (as per CAS letter)
- Plus living costs of £1,334/month (London) or £1,023/month (outside London)
The amount should be in a recognized Pakistani bank account (preferably in PKR equivalent to GBP).
Tip:
Keep 2–3% extra in your balance to handle exchange rate fluctuations.
Example for Pakistan:
If studying outside London with £10,000 tuition:
£10,000 + £9,207 = £19,207 (PKR equivalent approx. 6.8 million)
Your statement must show this amount maintained for 28 consecutive days.
Can You Use a Parent’s Bank Statement?
Yes, you can — but with additional documents.
If your parents are sponsoring you, include:
- Consent letter from your parent or guardian confirming sponsorship.
- Proof of relationship (birth certificate).
- Parent’s national ID or passport copy.
All these must match the account holder’s name on the statement.
How Currency Conversion Affects Your Application
If your statement is not in GBP, you must show the equivalent using the official OANDA rate on the date of your application.
The visa officer verifies your balance using this conversion rate. Always include a small note:
“All amounts converted using OANDA GBP rate as of [date].”
What Happens If Your Bank Statement Fails to Meet the Rule?
If your statement doesn’t meet the UKVI’s financial requirements, your application can be refused under “maintenance of funds not satisfied.”
Common reasons:
- Less than 28 days of funds
- Missing verification stamp
- Incomplete amount
- Currency mismatch
If refused, you can reapply — but it delays your plans and costs another visa fee.
That’s why 7 Sky Consultant ensures every student’s document meets the financial proof criteria perfectly before submission.
How 7 Sky Consultant Helps Students Prepare Financial Documents
We handle everything from reviewing your bank statement to verifying its compliance with UKVI standards.
Our experts help with:
- Building a 28-day financial maintenance plan
- Reviewing statement format and details
- Coordinating with banks for authentication
- Converting local currency into GBP for accuracy
- Preparing sponsorship and loan letters
Our process ensures every applicant submits a complete, error-free financial proof package — one that UKVI officers trust immediately.
Additional Financial Tips Before Submitting Your Application
To avoid financial errors and ensure full compliance:
- Maintain a small extra buffer above your required balance.
- Avoid frequent transfers between accounts.
- Ensure your funds come from a traceable source (salary, savings, family).
- Always double-check your statement issue date before uploading.
- Save both PDF and printed versions with bank authentication.
Strong preparation shows professionalism — something UKVI officers always appreciate.
Final Guidance from 7 Sky Consultant
Your bank statement for UK student visa is not just a requirement — it’s the backbone of your entire application.
A well-maintained, authentic, and verified statement tells the visa officer you’re financially ready to study in the UK.
At 7 Sky Consultant, we’ve mastered the process of preparing and reviewing financial documents that meet every UKVI rule. From verifying your 28-day balance to converting currencies and formatting your statement, we manage every step to ensure your application stands strong.
Financial readiness isn’t just about having money — it’s about presenting it correctly. Do that, and your approval becomes inevitable.
FAQs
1. How much bank balance is required for a UK student visa?
You need enough funds to cover tuition fees and living expenses for at least 9 months, as set by UKVI.
2. How old should the bank statement be for a UK student visa?
Your bank statement must show 28 consecutive days of funds before the visa application date.
3. Can I use my parents’ bank account for a UK student visa?
Yes, you can. Provide a consent letter and proof of relationship with your application.
4. What documents are accepted as financial proof for a UK visa?
Accepted documents include bank statements, bank letters, or official financial sponsorships.
5. Does 7 Sky Consultant assist with financial documents?
Yes. 7 Sky Consultant provides end-to-end guidance, ensuring your financial documents meet UKVI standards for visa approval.