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Worked example – showing funds in multiple bank accounts

Worked example – showing funds in multiple bank accounts

Student A

Do they meet the reduced maintenance requirement No - They are not applying under the doctorate extension scheme, applying as a sabbatical officer or applying to undertake a medical or dental foundation programme.
Length of programme 12 months
Tuition fees All fees have been paid for this academic year
Living in QMUL or University of London halls of residence No
Receiving official sponsorship No

Student A needs to show that he and/or his parents have held £11,385 for a 28 period ending not more than 31 days before the date he submits his immigration application

He has three different bank accounts, which are either in his name or his parents’ names. He has obtained a bank statement for each account:

  • The statement for account 1 shows balances from 10/10/2016 to 24/10/2016. The opening balance starts at £11,400, but on the 19/10/2016 the balance falls to £10,400, where it remains until the closing balance on 24/10/2016.
  • The statement for account 2 shows balances from 18/10/2016 to 12/11/2016. The opening balance starts at £5,000. On the 25/10/2016 the balance rises to £8,000. On the 30/10/2016 the balance falls back down to £5,000, where it remains until the closing balance on 12/11/2016.
  • The statement for account 3 shows balances from 24/10/2016 to 09/11/2016. The balance of this account is £7,200 for the whole period.

If you are using multiple bank accounts to show you have the required funds, you may find it helpful to use spreadsheet software, so you can see what’s going on.

DateAccount 1Account 2Account 3Total availableDay
10/10/2016 £11,400     £11,400  
11/10/2016 £11,400     £11,400  
12/10/2016 £11,400     £11,400  
13/10/2016 £11,400     £11,400 1
14/10/2016 £11,400     £11,400 2
15/10/2016 £11,400     £11,400 3
16/10/2016 £11,400     £11,400 4
17/10/2016 £11,400     £11,400 5
18/10/2016 £11,400 £5,000   £16,400 6
19/10/2016 £10,400 £5,000   £15,400 7
20/10/2016 £10,400 £5,000   £15,400 8
21/10/2016 £10,400 £5,000   £15,400 9
22/10/2016 £10,400 £5,000   £15,400 10
23/10/2016 £10,400 £5,000   £15,400 11
24/10/2016 £10,400 £5,000 £7,200 £22,600 12
25/10/2016   £8,000 £7,200 £15,200 13
26/10/2016   £8,000 £7,200 £15,200 14
27/10/2016   £8,000 £7,200 £15,200 15
28/10/2016   £8,000 £7,200 £15,200 16
29/10/2016   £8,000 £7,200 £15,200 17
30/10/2016   £5,000 £7,200 £12,200 18
31/10/2016   £5,000 £7,200 £12,200 19
01/11/2016   £5,000 £7,200 £12,200 20
02/11/2016   £5,000 £7,200 £12,200 21
03/11/2016   £5,000 £7,200 £12,200 22
04/11/2016   £5,000 £7,200 £12,200 23
05/11/2016   £5,000 £7,200 £12,200 24
06/11/2016   £5,000 £7,200 £12,200 25
07/11/2016   £5,000 £7,200 £12,200 26
08/11/2016   £5,000 £7,200 £12,200 27
09/11/2016   £5,000 £7,200 £12,200 28
10/11/2016   £5,000   £5,000  
11/11/2016   £5,000   £5,000  
12/11/2016   £5,000   £5,000  

 

Column 1 shows the date. Columns 2, 3 and 4 show the daily balances covered by each account statement. Column 5 shows the total available balance on any day.

The box indicates the balances that the caseworker or entry clearance officer will actually consider when making a decision on the application. Notice that the caseworker will choose to count the 28 days back from the closing balance from account 3. The case worker will try to choose whichever closing balance will allow student A to meet the requirements of the rules.

The end of the 28 day period must be within 31 days of the date student A makes his application. As the end of the 28 period is 09/11/2016, student A must submit his online immigration application between 09/11/2016 and 10/12/2016 (inclusive).

If student A is not a low risk national, he will have to submit the bank statements for each of his accounts with his immigration application. Because the situation is complicated, it would be helpful for student A to submit a copy of his spreadsheet so that the caseworker or entry clearance officer can easily see what is happening and make the correct decision.

If student A is submitting a statement from one of his parent’s accounts, student A will also have to submit his birth certificate and a letter from his parents.

Remember that it is a good idea to highlight the relevant parts of your bank statements, so that the caseworker or entry clearance officer can easily see that your documents meet the requirements.


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Law, regulations and policies can change quickly. The information on our website is given in good faith and has been carefully checked but QMUL cannot accept responsibility for any errors or omissions. QMUL is not responsible for the content or reliability of the linked websites which are provided for further information.

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