Worked example – showing funds in multiple bank accounts

Student A

Length of programme	12 months
Tuition fees	All fees have been paid for this academic year
Living in QMUL halls of residence	No
Receiving official sponsorship	No

Student A needs to show that he and/or his parents and/or his partner have held £12,006 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 10/10/2020 to 24/10/2020. The opening balance starts at £12,400, but on the 19/10/2020 the balance falls to £10,400, where it remains until the closing balance on 24/10/2020.
The statement for account 2 shows balances from 18/10/2020 to 12/11/2020. The opening balance starts at £5,000. On the 25/10/2020 the balance rises to £8,000. On the 30/10/2020 the balance falls back down to £5,000, where it remains until the closing balance on 12/11/2020.
The statement for account 3 shows balances from 24/10/2020 to 09/11/2020. 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.

Date	Account 1	Account 2	Account 3	Total available	Day
10/10/2020	£12,400			£12,400
11/10/2020	£12,400			£12,400
12/10/2020	£12,400			£12,400
13/10/2020	£12,400			£12,400	1
14/10/2020	£12,400			£12,400	2
15/10/2020	£12,400			£12,400	3
16/10/2020	£12,400			£12,400	4
17/10/2020	£12,400			£12,400	5
18/10/2020	£12,400	£5,000		£17,400	6
19/10/2020	£10,400	£5,000		£15,400	7
20/10/2020	£10,400	£5,000		£15,400	8
21/10/2020	£10,400	£5,000		£15,400	9
22/10/2020	£10,400	£5,000		£15,400	10
23/10/2020	£10,400	£5,000		£15,400	11
24/10/2020	£10,400	£5,000	£7,200	£22,600	12
25/10/2020		£8,000	£7,200	£15,200	13
26/10/2020		£8,000	£7,200	£15,200	14
27/10/2020		£8,000	£7,200	£15,200	15
28/10/2020		£8,000	£7,200	£15,200	16
29/10/2020		£8,000	£7,200	£15,200	17
30/10/2020		£5,000	£7,200	£12,200	18
31/10/2020		£5,000	£7,200	£12,200	19
01/11/2020		£5,000	£7,200	£12,200	20
02/11/2020		£5,000	£7,200	£12,200	21
03/11/2020		£5,000	£7,200	£12,200	22
04/11/2020		£5,000	£7,200	£12,200	23
05/11/2020		£5,000	£7,200	£12,200	24
06/11/2020		£5,000	£7,200	£12,200	25
07/11/2020		£5,000	£7,200	£12,200	26
08/11/2020		£5,000	£7,200	£12,200	27
09/11/2020		£5,000	£7,200	£12,200	28
10/11/2020		£5,000		£5,000
11/11/2020		£5,000		£5,000
12/11/2020		£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 09/11/2020, student A must submit his online immigration application between 09/11/2020 and 10/12/2020 (inclusive).

If student A is not a low risk national and has not already been in the UK for 12 months, 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.