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United Kingdom · Student visa · Financial evidence

UK Student Visa Financial Requirements and the 28-Day Rule

A focused guide to proving Student visa funds correctly: what can count, how the 28-day holding period works, when financial evidence must be dated and how loans or official sponsorship fit into the evidence structure.

Studying in London £1,529 / month

Current Student maintenance requirement for each month of the course, up to a maximum of nine months.

Outside London £1,171 / month

Current Student maintenance requirement for each month of the course, up to a maximum of nine months.

Holding period 28 days

Qualifying account funds generally need to remain at the required level for 28 consecutive days.

Evidence timing 31 days

The financial evidence must generally be dated no more than 31 days before the visa application.

The financial requirement

Start with the amount your case actually needs.

The Student financial requirement normally combines any outstanding course fees for the relevant academic period with the required living-cost amount. Your CAS records the course-fee position, while the maintenance calculation depends on where you will study and the applicable number of months.

Course fees

Use the course-fee information shown on the CAS and identify what remains to be demonstrated for the relevant academic period.

Living costs

Apply the current London or outside-London monthly maintenance amount for the relevant period, up to the route maximum.

Already-paid amounts

Where the rules allow a payment or qualifying amount already recorded through the sponsor/CAS to reduce what must still be evidenced, make sure the evidence matches the route rules.

The 28-day clock

The balance must work for the whole evidence period, not just on statement day.

For personal account funds, the required level generally needs to be maintained for 28 days in a row. The period is calculated backwards from the closing balance date on the most recent evidence. A temporary drop below the required amount during the period can break the evidence chain.

1

Calculate the required amount

Work out the amount your specific Student case must demonstrate before choosing the evidence period.

2

Identify the closing-balance date

This is the end of the 28-day period shown by the most recent qualifying evidence.

3

Count backwards 28 days

The required balance must be maintained throughout the qualifying period.

4

Check the 31-day application window

The financial evidence must normally be recent enough when the online visa application is submitted.

Account evidence

The type of account and the evidence itself both matter.

GOV.UK allows qualifying personal bank or building-society funds where the account is properly controlled and the money is immediately accessible. Evidence can include bank statements, passbooks, certificates of deposit or qualifying bank letters.

Evidence that may be usable

  • Your own qualifying personal funds.
  • A parent’s qualifying funds, with the required consent evidence.
  • A partner’s qualifying funds where the partner falls within the permitted Student-route circumstances.
  • Paper or electronic bank statements that meet the evidence requirements.
  • Building-society passbooks, qualifying certificates of deposit or bank/building-society letters.

Funds that need special caution

  • Overdraft facilities.
  • Cryptocurrency.
  • Stocks and shares.
  • Pensions.
  • Accounts that do not meet the applicable financial-regulation or electronic-record requirements.
Loans and sponsorship

A bank balance is not the only permitted financial route.

Qualifying student loan

A qualifying student loan can be used where it comes from a permitted government, government-sponsored or regulated student-loan source and the supporting loan letter meets the Student evidence requirements.

Official financial sponsorship

Official financial sponsorship can also satisfy some or all of the financial requirement. If the sponsorship is not fully recorded on the CAS, additional confirmation from the official financial sponsor may be required.

Evidence exceptions

Not submitting financial evidence upfront is not the same as not meeting the financial requirement.

Some applicants do not need to submit the financial evidence with the initial application because of their immigration history or nationality/passport category. They must still meet the financial requirement, and UKVI can request the evidence before making a decision.

Do not treat differential evidence as permission to ignore the financial rules. Build the evidence so it can be produced if UKVI asks for it.
Common failure points

Most financial-evidence problems are timing or evidence-structure problems.

Official basis

GOV.UK and Immigration Rules sources used for this guide

GOVUK_STUDENT_MONEY
Student visa: Money you need UK Government · Verified official source
GOVUK_STUDENT_FINANCIAL_EVIDENCE
Financial evidence for Student and Child Student visa applicants UK Government · Verified official source
GOVUK_APPENDIX_FINANCE
Immigration Rules Appendix Finance UK Government · Verified official source
GOVUK_APPENDIX_STUDENT
Immigration Rules Appendix Student UK Government · Verified official source
GOVUK_STUDENT_DOCUMENTS
Student visa: Documents you must provide UK Government · Verified official source
GOVUK_HC584_STUDENT_MAINTENANCE_2026
Statement of changes to the Immigration Rules: HC 584, 3 September 2026 UK Home Office · Verified official source

Build the financial evidence around your actual Student case.

Use the existing EYM Student assessment to connect your CAS, study location, course costs and financial-evidence position in one pathway.

See my exact plan and price