The bank statements show first that the applicant is financially able to visit the United Kingdom. But there is much more and it is not just about the current account balance. Bank statements help the decision maker to understand the applicant's personal circumstances …
Stability and lifestyle, especially regular cash flows from the account to the account.
The ratio between the applicant's cash flows and his specified employment.
Revenue sources that are paid into the account when the applicant visits the United Kingdom.
The consistency of the candidate with regard to planned maintenance and accommodation in the UK during his visit.
Sources of income from the applicant's family and any financial obligations between family members who are close to family.
If the applicant uses a sponsor, a support history, d. H. Regular deposits that can enhance the credibility of the sponsor and the willingness to assist the applicant.
Ongoing financial obligations of the applicant, eg Eg rent or mortgage payment.
Ongoing issues for food, utilities, transportation and so on.
That all income has been earned lawfully and is actually available to the applicant during his visit.
On-going support and maintenance of the applicant's dependents, in particular those who do not travel with the applicant.
Irregular cash flows and sudden changes in the balance, indicating that the applicant is using a money-parking strategy.
And above all the applicant's connections to the local economy and society as well as the connections to the applicant's family.
Bank statements that have two or more of these characteristics are more successful than those that do not. Although there is no strict rule on how many instructions are needed, it is obvious that the decision maker can recognize the patterns with more instructions. As a rule of thumb, there are six statements over a six-month period, and the six-month period should end with the last statement before filing the application.
Some people may identify most of the above with a 3-6 month account history, but first time applicants and those with borderline cases should submit more.
Note: For successful candidates, two or more of these considerations are clearly presented, Nobody will be able to get everyone.
All this blends with the fact that it works in favor of the applicant to submit as many bank statements as possible so that the decision maker can see clear cash flow patterns.
The ideal case
This applicant is gainfully employed and has ongoing expenses that suggest close links with the local economy. The applicant has saved money for his visit. This is an ideal case and the applicant has a great chance of success.
These statements show an irregular cash flow, which has shifted the existing balances upwards. It is not possible to identify ongoing commitments that have a strong link to the local economy. These applicants can expect problems Despite impressive accounting for the most recent statements. The denial notification states something like:
… I am not satisfied that these funds are actually available to you …
or more disturbing:
I am not satisfied that you have set out your circumstances and therefore your intention to apply for entry into the United Kingdom.
To repeat: It's not just about the final balance, They are also looking for the history of deposits and withdrawals.
"… of course I have enclosed a bank statement! But they ignored it and rejected me …"
People who fear that their story reveals a weakness sometimes resort to an "opacity strategy" in which they submit a single statement or several statements from a broken series or simply too few statements. This strategy is both naïve and catastrophic, as the decision maker can not fully understand the applicant's circumstances and suspects that the claimant is hiding something. The inevitable denial notification will accurately reflect the "funds parking", but with additional suspicion. As a rule of thumb: a complete picture as leaving the decision maker with the impression that you are trying to hide something. Bona fide visitors to the UK will make their circumstances transparent, if necessary.
This series shows that the applicant is working and has ongoing obligations, but the balance falls into negative territory every month. The applicant has difficulty in meeting his daily cash requirements, and traveling to the UK with these circumstances has completely failed his lifestyle. This means that the intentions of the applicant are suspect. The applicant is not in stable conditions and can face considerable obstacles also with a sponsor,
The denial notification states something like:
I am not satisfied that you meet the immigration rules on this occasion …
If a cosponsor offers assistance, the denial notification may comment such as:
I agree that your sponsor proposes payment for your visit. However, the applicant's circumstances are of paramount importance when assessing your application …
… although I take this into account when assessing your planned entertainment and accommodation costs in the UK, this is just one aspect of the visitor rules, and this sponsorship does not satisfy me for your own sake, leaving the UK after your visit …
Irregular / unstable lifestyle
"They totally ignored the £ 4,000 in my bank account and rejected me!"
Both exhibits show that the Applicant's recent record is positive, but regardless of the final balance, they are likely to face serious problems. Both exhibits show wild and unpredictable fluctuations in the balance sheet and little, suggesting a stable link to the local economy.
Using these patterns, you can expect a denial notification with the following content:
It is your responsibility to prove that you comply with the conditions of your visa when you obtain an entry permit and intend to leave the visa. I think you have failed to show economic connections (country name here)
I am not satisfied that you and your resources can be properly maintained and housed without using any public money or employment …
Some special cases are below …
A common denial source falls under "proportionality". This is a strategy whereby the applicant intends to use his life savings during a visit. "Proportionality" also includes the case in which an applicant intends to earn more than two or three months for a visit, sometimes up to six months. This strategy is from the beginning doomed to failure Because ECOs believe that real visitors do not waste their financial resources on a visit, ECOs believe that real visitors do not spend many times their monthly cash receipts. There is no strict rule of proportionality, and UKVI does not provide guidelines for acceptability. So if you want to spend more than a month or two of your cash income, you can expect problems as a general rule of thumb and the solution is do not apply, Wait until your personal circumstances are more successful.
Dependent spouses and children under 18 years
UKVI acknowledges that spouses and dependent children can not submit account statements. In these cases, the account statements of the first applicant will be used to assess the circumstances of the family as a whole. The UK approves thousands of family applications every year.
Children over the age of 18 who have no reason to maintain a loved one's lifestyle will become increasingly difficult. This is especially true if they are not traveling as a family unit. The same is generally true for students, though students can usually provide other evidence to support local attachments.
How much do I need to apply?
The rules do not set any amount, they are deliberately vague to give the decision maker latitude in the assessment of individual circumstances. However, a rule of thumb will use the stated purpose and intended activities of the applicant as a rough guide, and the applicant should be able to offset that amount without undue hardship.
If you are thinking about isolating and providing a specific number, there is a good chance that you have not fully understood this article and may want to reread it. It's not just about the final balance.
Can I use a co-sponsor?
Yes, please. However, many applications fail because the decision maker can not understand why the sponsor is taking on this burden. This is especially true for Internet relationships where the couple did not meet in person before. This also applies to family members whose relationship is too far or too far away to be plausible.
The sponsor must provide a number of separate bank statements to demonstrate its own performance and credibility.
"… my father / brother / uncle / aunt was my co-sponsor and can afford to keep and lodging comfortably, but I was there still denied …".
Sponsored applications are weak from the outset and do not release the applicant from the bond with the local economy and the social landscape. Although the money may be there, it is much more difficult for the claimant to assume a convincing case that he will not otherwise cross or abuse his visa. In general, sponsorship should only be used as a last resort and only if the applicant can provide a convincing case.
Can I use prepaid credit cards?
This may work with Schengen applications, but not for UK applications. Credit cards add additional darkness to the funding source and embrace the entire lifestyle and transparency mentioned above.
I do not have enough bank statements
An applicant must demonstrate that he will be appropriate without public funds. Real visitors are usually able to do so. If you can not convincingly do so, you should move your visit to a more prosperous time.
Can I buy a bank statement?
In some countries (Nigeria, India, Pakistan, just to name a few) there are services that do this for you. If you know about them, the decision maker knows the answer. Keep in mind that consular workers have established relationships with reputable banks over a longer period of time (we are talking here) decades here) and can discreetly ask for the validity of a particular set of statements.
I live with my parents and do not have a bank account
See above. You can expect problems that show that you are a real candidate. Wait for your parents to submit a family application.
I am self-employed and do not have a bank account
You can expect problems. Real UK visitors are eligible for a profile that is not entirely cash-based. In addition, you can barely notice that your money was lawfully procured. Consider opening and using a proper bank account for 12 to 18 months before submitting your application.
What else can be provided to show strong relationships?
There is no other form of proof than absolute substitution. Title deeds are rarely helpful, as ownership usually continues if the owner lives elsewhere. Personal certificates from family and friends are not helpful because much of the performance history indicates that something else is present. However, there are some exceptions, for example, you may receive a certificate from the British Foreign Office outlining your circumstances. In another example, holding public office may work depending on other circumstances. Otherwise, please read the section "Further questions about account statements"below.
… to visit the UK, I have to go, and I promise that I do not have too much time. The problem is that I do not have any real bank accounts or anything else showing a connection to my country. You see, my situation is different. It's like blah blah blah and then yada yada yada … please help!
There is no magic bullet, they approve applicants who clearly and unambiguously fall into a low-risk profile. More information below.
I can not submit a compelling case
Do not apply The refusal can make future applications difficult, even if you are in a more prosperous situation and can easily qualify.
If none of the above apply to you, your circumstances may be too complex for an internet request that is answered by random strangers. Schedule a consultation with a member of the UK Law Society or a licensed practitioner. There is a great list on the ILPA site.
From the instructions: "All documents must be originals and not photocopies."
Associated Article: UK Visa Refusal: Provenance of Funds / Parking
See also: How much money do I have to prove my support for applying for a standard UK visitor visa?