Can I provide bank statements from multiple accounts when applying for a UK visa?
I have multiple accounts under the same bank for different purposes, which should I present?
Does the visa officer want to check if I have enough money in my savings maintained consistently over a period or to see my day to day expenses and transactions showing flight/accommodation bookings?
My accounts are:
- Account 1 - Savings
Where my salary is deposited. I transfer some money every month to another high interest personal account for saving purposes. These account statements only show my salary being deposited and then money transfers to my internal accounts (transaction account and credit card).
My bills and day to day expenses, everything I pay from my credit card (and settle in full or partially on due date) is by transfer from here.
- Account 2 - High interest savings
Opened early 2016, it shows money coming in, in various amounts, every month and holds a balance around 10 K.
- Account 3 - Everyday transactions
I transfer money here from Savings for expenses I cannot pay by credit card, such as rent and car loan, and any cash withdrawals. I do not keep any balance in this account hence I do not want to submit a statement for it.
I feel as I should present my high interest savings account (Account 2) opened last year as it has the significant balance but when I print off the statements it just shows money coming in to the account with description Savings or Europe.
Would the officers reject it stating they can't determine how money got into it?
I can also give the statements of my Savings account where salary is being deposited but even that wouldn't show my monthly expenses.
Do they need to see my monthly expenses?
My expenses are all on credit card except for rent, so do I need to submit credit card statements as well?
I read before they really don't care about credit cards but are concerned about bank accounts.
Best Answer
If you can benefit from including multiple bank accounts, in your case provenance of funds and transparency, then of course. There is no requirement to submit statements from a single account.
My expenses are all on credit card except for rent, so do i need to submit credit card statements as well?
They are not interested in constructing your personal balance sheet and credit card statements that show only expenses are not necessary. The UK officer will ignore credit card statements altogether; the Schengen officer will examine them if you have large credit balances that you want to present as accessible cash.
I do not want to overload my documents submitting too many bank statements or submitting any irrelevant ones
Based on what you wrote, you should show both accounts. This is not 'overloading' your supporting documents.
Pictures about "Can I provide bank statements from multiple accounts when applying for a UK visa?"
Can you use two bank statements?
You'll usually need to provide at least two bank statements. Lenders ask for more than one statement because they want to be sure you haven't taken out a loan or borrowed money from someone to be able to qualify for your home loan.Do UK visa verify bank statements?
BANK STATEMENT FOR UK VISA The Entry Clearance Officers (ECOs) must make sure that the UK visit visa applicant has sufficient funds to support and maintain themselves for the entire duration of their stay in the UK. Bank statements work as evidence to prove that the applicant has sufficient funds.How many bank statements do I need for a visa?
The Applicant needs to submit statement of last three (3) or six (6) months. The bank documents must be recent \u2013 the date of the closing balance or the date of the most recent transaction must be less than one (1) month old at the time of applying.Can I show multiple bank accounts for UK student visa?
No. Only saving bank account and fixed deposits or educational loans are accepted for Tier 4 Student Visa and the Bank must be listed in the UKVI approved Bank list.Q\u0026A SESSION |UK VISA 2021 |HOW MUCH OF YOUR BANK STATEMENT IS REQUIRED FOR UK VISIT VISA?|JLANCASTER
Sources: Stack Exchange - This article follows the attribution requirements of Stack Exchange and is licensed under CC BY-SA 3.0.
Images: Karolina Grabowska, Dom J, Karolina Grabowska, Karolina Grabowska