Nearly 30% of UK student visas get rejected due to incomplete financial proof. Most of them involve errors in the UK bank statements. Either the documents were incomplete, stamps were missing, or the requirements weren’t met.
Without submitting a bank statement, you won’t be accepted into any universities as they won’t send you a CAS (Confirmation of Acceptance of Studies). Let’s learn how to get a bank statement for the UK from Pakistan in 2025, what requirements to meet, what documents are required, and what to include in it.
What Is A Bank Statement For UK From Pakistan?
Studying in the UK requires significant financial resources. To ensure that every student applying to study in the UK from Pakistan can afford the expenses, the UK government reviews their bank statement.
A bank statement is a document issued by your bank that includes all the transactions, credits, debits, funds transferred, interest generated, and the fees charged by the bank.
With this document, the UK government confirms that you can pay the tuition fees and the living costs.
Furthermore, this statement also includes your transaction history, account balance, full name, and account number.
Requirements For Bank Statement For The UK
Your bank account statement needs to meet some basic requirements to get accepted by the UK. These include:
- Show £1,136/month (up to 9 months) for living costs outside London, or £1,483/month in London.
- Include full tuition fees and £524 for the visa application.
- Funds must be in the account for at least 28 consecutive days.
- The statement must be dated within 31 days of your application.
- Must be stamped by the bank, clear, and in English (or translated).
- The account can be in your name or your parent/guardian’s name (with proof and a signed consent letter).
- Provide a breakdown of fees, living costs, and visa funds.
Required Documents For UK Bank Statement
These are the following documents that you need to submit along with your account statement.
- Valid Passport: For ID and travel
- CAS: From your UK university
- Tuition Fee Proof: Paid or payable amount
- Proof of Funds: Bank statement with required balance
- Academic Documents: Certificates and transcripts
- English Test: IELTS or approved exam
- Photos: Passport-sized for the application
How Much Money Do You Need To Have In Your Bank Account Statement?
The amount you need for the UK bank statement isn’t always clear. It depends on the university you’re applying to, the type of visa, and what living place you’ll be living.
Student Visa
This is how much you’ll need to show in your financial statement if you need to get the student visa.
Tuition Fees
Your CAS will mention the tuition amount. Your bank statement must show you can pay it. The fee depends on the university.
Living Costs
If you live outside London, show £1,136/month. In London, it’s £1,483/month. You need enough funds to cover up to 9 months.
Dependant
If your wife or children are coming with you, show £845/month in London or £680/month outside London. This must also be shown for up to 9 months. Make sure your statement clearly covers these amounts to avoid any visa issues.
Child Student Visa
For the child student visa, this is how much you need to have.
Tuition Fees
The tuition will be as much as mentioned on the CAS that is provided by the school of the child. You’ll need to have enough funds in your bank account to easily pay that fee for a few months.
Boarding School
For boarding at a residential school, you must show funds to cover one full academic year. This includes both tuition and boarding.
Foster or UK Relative
If living with a foster carer or close relative, you must show written consent and proof they can cover the child’s costs.
Legal Guardian in the UK
You need a letter from the legal guardian confirming they’ll be responsible and will cover all costs of the child during their stay.
How To Get An Official Bank Statement?
If you need to get an official bank record from any bank around you, this is how you’ll do that.
- Go to Your Bank or Log In Online: Visit your bank branch or log in to your app. You’ll need an official letter for the visa either way.
- Download or Request Bank Statement: Download a PDF of your last 28 days’ statement online, or get a printed copy at the bank with your name, and account number, and clear transactions.
- Ask for a Visa Support Letter: Tell them it’s for a UK student visa.
- Mention What Should Be Included: The letter must show your full name, account number, and a 28-day balance history.
- Add Bank’s Contact Info: Ask them to include their phone or email.
- Request a Wet-Ink Stamp: For printed letters, always ask for a physical stamp.
What Is The 28-Day Rule?
The 28-day rule in the bank account record is that you’ve had above the required funds to study in the UK for 28 days consecutively without dropping even once. It’s to confirm that the money is yours.
What Are Parked Funds?
Parked funds are money transferred temporarily into a bank account to show it as proof on the bank account statement. If you submit the parked funds in your application, it’ll get rejected as it’s against UK visa laws. The 28-day rule is just to prevent this.
How To Prove You Have The Money To Study In The UK?
There are many ways to prove you have enough funds to study in the UK. Like:
- Your own money: Personal savings in your account are accepted.
- Student loan: Must be from a government or recognized loan provider.
- Parents’ money: Allowed if they give a signed permission letter.
- Partner’s money: This can be used if they’re in the UK or applying with you.
- Official sponsorship: Accepted if it’s from a government or university.
You Can’t Use
You can’t use these as evidence of your funds, as they’re not accepted.
- Overdrafts: These don’t count as available funds.
- Cryptocurrency: Not accepted under any condition.
- Stocks and shares: Investments can’t be used as proof.
- Pension funds: Retirement money doesn’t qualify.
- Unregulated bank accounts: The bank must be officially recognised.
- Manual bank records: Handwritten or non-digital statements aren’t valid.
When Do You Need To Submit a Bank Statement?
You don’t need to submit your bank account record if:
- You’ve lived in the UK with a valid visa for the last 12 months
- You’re a student union sabbatical officer
- You’re studying as a doctor or dentist in training
- Your nationality is on the UKVI’s low-risk list
Low-Risk Countries And Their Passports
If you’ve lived in and hold a passport from a low-risk country, you don’t need to submit a bank balance statement.
These countries have strong ties with the UK. Examples include Sweden, Malaysia, USA, Germany, Japan, Ireland, Singapore, Brazil, Netherlands, and Australia.
Additional Expenses
These are additional costs besides the Visa fees that you need to consider:
- Travel and Flight Charges
- Currency Conversion Fees
- Course Books and Study Materials
- UK Visa Application Cost
- Health Surcharge (IHS)
- Upfront Tuition Deposit
- Rent and Housing Costs
Can I Show An Online Bank Statement?
Yes, you can show an online bank balance statement if the UKVI accepts it. However, you need to ensure that it clearly has your name, account number, bank logo, stamps, seals, and other consistent details.
It should also have the bank’s contact details and clear transactions. If it’s blurry or the details are hard to read, it won’t be accepted.
Can I use Two Bank Accounts To Prove The Funds?
Yes, you can use two or more accounts to prove your funds. Both need to show their name and should have enough funds to cover their expenses.
Can You Use the Bank Statements Of Your Parents?
Yes, you can use their financial record if you have a consent letter and your relationship proof, such as a birth certificate.
The consent letter should include the parents’ full names and contact details. Furthermore, it should clearly state something like: “I agree to support [Student’s Name]’s stay in the UK.”
Tips To Prepare An Effective Bank Statement
Follow these tips to increase the chances of approval of your bank statement for the UK from Pakistan in 2025.
- Stick to one account to avoid confusion.
- Use a trusted bank known to UKVI.
- Keep funds untouched for 28 full days.
- Ask your bank for a stamped letter, too.
What To Do If You Have Insufficient Funds?
If you don’t have enough funds in your bank accounts, you can do the following things.
- Don’t make the bank statement until your funds are complete. Create a fresh one after that.
- Ask trusted friends or family to help with the money.
- Show any side income you or your family earns.
- Search for scholarships for Pakistani students.
- If someone is funding you, use a sponsor letter with their full details and a clear statement of support.
Latest Bank Statement Updates In 2025
There have been significant updates in 2025 with the bank account statements that have made it a lot easier for you to get a UK visa from Pakistan.
What Can You Use Now?
You can now use the following to prove your funds to study in the UK.
- Cryptocurrency: Only valid if converted to cash before applying
- Cryptocurrency History: Show 6 months of exchange records
- Stocks & Shares: Must include broker statements and sale documents
- Stock Dividends: Monthly dividends can now count
- Fixed Deposits: Allowed with a bank letter confirming maturity details
What’s Not Accepted in 2025?
These aren’t accepted as evidence.
- Gold & Jewellery
- Property Valuations
- Unstable Cryptos
Important Reminders
Remember these things:
- Application Date Match: The crypto amount must match your visa application date
- Use as Extra Only: Prioritize cash savings over crypto or investments
- Double-Check: Always confirm with UKVI if you’re unsure about using these
Avoid These 5 Mistakes To Avoid Visa Rejections
There are 5 common mistakes that people make with their bank statements, which cause their visa rejections.
Missing Bank details
Many students forget to include the bank’s logo, branch address, contact number, or email. This causes verification issues. Always make sure these details are on the statement.
Old statement dates
Using an old statement can get your visa rejected. Make sure it’s dated within 31 days of your application.
Unofficial Statement Copy
Screenshots or plain PDFs without proof aren’t accepted. You must submit a certified PDF or a stamped printed version. Also, make sure the digital copy is clear, high quality, and easy to read for verification.
Last-minute big deposits
Don’t transfer sudden large deposits as they’re taken as suspicious. Keep the balance steady over the full 28 days and gradually transfer the money into the account.
Low Balance From Currency Change
Exchange rates can drop your balance below the minimum. Keep 5 to 10 percent extra in your account just in case.
Final Words
Submitting a bank statement for UK from Pakistan is key to your UK student visa. It must go with your visa application and prove you have enough funds to study and live in the UK.
The statement must show the required amount held for 28 days, with an official bank stamp and contact details. You can submit a printed or digital copy.
If submitting a digital version, make sure it’s official, clear, and easy to read. Avoid any parked funds, as they go against UK visa rules and may lead to rejection. So Contact the Experts for this job.