When applying for a UK visa, one of the biggest hurdles is meeting the Proof of Funds (POF) requirement. Many applicants—even those who qualify financially—get rejected because of mistakes in preparing their 28-day bank statement.
In this post, we’ll break down the most common errors people make with 28-day Proof of Funds, how they lead to visa refusals, and the correct way to prepare your documents.
What Is the 28-Day Proof of Funds Rule?
The UK immigration system requires that you maintain a minimum amount of money in your bank account for 28 consecutive days before submitting your visa application.
This proves that you can cover:
- Tuition fees (if you’re a student)
- Living expenses (maintenance funds)
- Any dependent costs (if applying with family)
If your balance drops below the required threshold—even for a single day—your application can be refused.
Common Mistakes in UK Proof of Funds
Here are the errors many applicants fall into:
1. Not Maintaining Funds for Full 28 Days
Some applicants think depositing money a few days before applying is enough.
The funds must sit in your account uninterrupted for 28 consecutive days.
2. Using Bank Statements Older Than 31 Days
By the time you submit, your statement might already be outdated.
If your bank statement is more than 31 days old, UKVI will reject it.
3. Missing Bank Documentation
Submitting screenshots or incomplete records.
The statement must be on official bank letterhead (or electronic version with bank authentication).
4. Unexplained Large Deposits
Sudden inflows without explanation raise red flags.
You must show the source of funds (salary slips, business transactions, property sales, etc.).
5. Miscalculating the Required Amount
Forgetting to include maintenance funds + tuition balance.
Even if tuition is partly paid, you still need to show enough to cover the remaining balance plus living expenses.
How to Do It Correctly
Follow these tips to avoid rejection:
- Keep the required funds in your account for at least 28 consecutive days
- Ensure the bank statement is dated within 31 days of your application
- Use official, stamped, or verified bank documents
- Keep your balance above the required amount at all times
- Provide evidence for the source of large deposits
Who Needs Proof of Funds for UK Visas?
The 28-day Proof of Funds rule applies to:
- Student visa applicants
- Work visa applicants (where financial maintenance is required)
- Family or dependent visas (if the sponsor doesn’t meet financial requirements)
FAQs About UK Visa Proof of Funds
Can I use my sponsor’s account for Proof of Funds?
Yes, but only for immediate family members like parents, spouse, or siblings. You’ll need documents (e.g., birth certificate, marriage certificate) to prove the relationship.
What happens if my balance drops below the required amount during the 28 days?
Your application will be refused. The balance must remain above the required threshold for the entire 28-day period.
Can I combine multiple accounts for Proof of Funds?
Yes, you can use more than one account, but each account must meet the official requirements (official statements, traceable funds, etc.).
Do UKVI accept microfinance or fintech banks like Opay or Moniepoint?
No. It’s safer to use a traditional commercial bank licensed by the Central Bank. Many embassies reject statements from microfinance or digital wallets.
Can I backdate my account or borrow money temporarily?
This is a huge risk. UKVI can detect inconsistencies, and it could lead to refusal or even a visa ban. Always use genuine, traceable funds.
Final Thoughts
Proof of Funds is one of the most common reasons UK visa applications get rejected—but it’s also one of the easiest to fix.
By simply:
- Keeping your money untouched for 28 days
- Submitting a recent and official bank statement
- Showing genuine sources for your funds
You can avoid unnecessary refusals and secure your UK visa.
