Personal bank statements
If you are using bank statements to show you meet the financial requirements, then the statements must clearly show:
- Your name
- Your account number
- The date of each statement
- The name of your bank/ financial institution
- The logo of your financial institution
- Details of transactions
- That you have held the required amount of money for a consecutive 28 day period.
Your statements must be either:
- Printed on the letterhead of the bank,
- If it is an electronic statement you have printed yourself, be stamped by the bank on each page or be accompanied by a letter from the bank on headed paper confirming that the statement is genuine.
You cannot use statements from cash machines as evidence of your finances.
Parental bank statements
If you are using your parent’s statements as evidence of your finances, then each statement must meet the requirements above and in addition you must provide the following:
- Your original birth certificate or a notarised copy, showing the names of your parent(s),
- A dated letter from your parents confirming that they are your parents and that they give permission for you to use their money in the UK
We have created a parent consent letter template, you should make any changes you need to. You should send the original letter to send with your application.
Top tip: Open a UK bank account
If you know you will need to extend your Tier 4 visa when you get to the UK (for example, if you are coming for a pre-sessional course, and will need a new visa for your main course) then open a UK account as soon as you arrive to transfer your maintenance and fee money as soon as you can. UK statements are easier to use as evidence than international statements. It will also save you some money, because you won't need translations of your statements, or pay for international postage.
International birth certificates
Some countries do not issue a traditional birth certificate which can make it difficult for you to prove your relationship with your parent(s) if you are using their bank statements.
The UKVI instruct their caseworkers to accept any document that is ordinarily issued by your country, which is similar to a UK Birth Certificate. This means that Chinese Household Registers, while previoulsy not allowed, should now be accepted(but will need translating).
If you know you will need to extend your Tier 4 visa when you get to the UK (for example, if you are coming for a pre-sessional course, and will need a new visa for your main course) then open a UK account as soon as you arrive to transfer your maintenance and fee money as soon as you can. UK statements are easier to use as evidence than international statements. If you needed more incentive, it will save you some money, because you won't need translations of your statements nor to pay for international postage. It will make extending your visa a little bit easier!
Additional requirements for international bank statements
Certificates of Deposit
Some international banks issue 'Certificates of Deposit' rather than a traditional bank statement. If you are using this type of document, then there are some extra requirements the statement must meet:
- The date of issue must be within the 31 days leading up to the date your will apply for your visa
- The date of deposit must be at least 28 days before the date of issue
- There should be no wording on the certificate to suggest the money is frozen, or not instantly accessible. Dates in the future often cause confusion, and though your bank may issue the statement as a standard document, you should ask them to make clear that the money is available to you or your parents if it's in their name.
Remember, if your certificate is not issued in English, it will need to be professionally translated.
Bank statements from certain countries
Students from certain countries may need to check whether their bank is ‘accepted’ by the UKVI. The UKVI regularly updates the list of acceptable financial institutions and countries, so it is important to check the UKVI webpages before you apply to make sure your bank statement will be accepted, or that your bank does not appear on the list of 'unacceptable' institutions.
If you are using statements from the following countries, you need to check if your bank is on the list of acceptable financial institutions, and not on the list of unacceptable institutions. Your application may be refused if your institution is not accepted, so please check the Immigration Rules appendix P: lists of financial institutions before submitting your application.
If you are using bank statements do not show your money as UK Sterling (Great British Pound or 'GBP') then you need to check you have enough money equivelant to UK currency. The UKVI used OANDA to check the value of currency against the UK pound, and so we recommend you use the same website to make sure you have enough money.
You should use OANDA to convert your money into GBP and make a note of the closing balance to include the information with your application form.
Electronic bank statements or 'e-statements'
Electronic bank statements need to meet the normal requirements and in addition;
- students should obtain a supporting letter from their bank on headed paper, confirming that the statement is authentic,
- students should ask their bank to stamp every page of their printed statement, including the back of each page if the statement is double sided, with the bank's official stamp.
You only need a stamp on each page if your statement is electronic.
Date of issue and electronic statements
Your bank may stamp your electronic statement with a date, and very often this date is different from the last transaction date on your statement. The UKVI have said that if the difference between the two dates is quite significant, they can guess the amount of money you had during that time, which could affect your application. You should therefore try to match your last transaction date as closely to the stamp date as possible. You can do this by making a small transaction in the account, but make sure you do not take money out if it will reduce the balance below the amount you need to show.
What is an electronic statement?
An electronic statement is one you print yourself, online. Most banks offer online banking to their customers, and so students often find it easier to print their own statements. If you print your own statement from your online account, this is an 'electronic statement'.