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Bank Statement for a UK Student Visa from Bangladesh: The 28-Day Rule Explained

How much money to show, whose account it can be in, the 28-day and 31-day rules, and the mistakes that get Bangladeshi applications refused.

Adept International

, 2 min read

A hand holding a calculator over financial documents

Proof of funds is where many UK Student visa applications go wrong. The rules are strict but simple once you understand them. This guide explains them for applicants from Bangladesh; always check the current requirements on GOV.UK.

How much money do you need?

Add together:

  • Tuition: the first year's fees shown on your CAS, minus any deposit or fees you have already paid (your CAS should show these payments).
  • Living costs: at the time of writing, £1,483 a month in London or £1,136 a month outside London, for the length of your course up to a maximum of nine months.

For example, a one-year master's outside London with £14,000 tuition and a £4,000 deposit already paid needs £10,000 + (9 × £1,136) = £20,224 in the account. Always use the figures on your own CAS.

The 28-day rule

The full amount must be in the account for at least 28 consecutive days. If the balance drops below the required amount on even one day during that period, the evidence fails. The 28-day period ends on the closing date of your most recent statement.

The 31-day rule

You must submit your visa application within 31 days of the date of the last statement or bank letter you provide, so plan your statement date and your application date together.

Whose account can it be?

  • Your own account, or
  • Your parent's or legal guardian's account - you will also need your birth certificate and a letter of consent from them confirming the money is available for your studies.
  • Money in the account of another relative, such as an uncle or a sibling, is generally not accepted unless it is transferred to you and held for the full 28 days.

What the statement must show

  • The account holder's name, the account number, and the bank's name and logo.
  • The statement date and the balance throughout the 28-day period.
  • An official bank stamp or electronic verification, as required.
  • Funds held with a bank that UKVI can verify - UKVI publishes a list of financial institutions that don't meet its verification standards, so check that yours isn't on it.

Common mistakes

  • Sudden large deposits with no explanation of where the money came from.
  • A balance that dips below the required figure for a single day.
  • Using the account of a relative who isn't a parent or legal guardian.
  • A statement dated more than 31 days before the application.

Our team reviews financial documents before submission. Book a free file check.

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