Every year, thousands of Nigerians require Proof of Fund (POF) for different purposes — from studying abroad, securing immigration visas, to winning business contracts and tenders.
In all these cases, you must provide verifiable financial evidence that you have the required funds. But the process can be stressful, confusing, and time-sensitive.
That's where POF NG comes in. We provide legitimate, verifiable Proof of Fund and investment certificate documents tailored to your specific needs:
Joining your partner in the UK now runs through one of the toughest financial tests in the immigration system. Since April 2026, the minimum income requirement (MIR) for a UK spouse or partner visa is £29,000 per year — up from the old £18,600 — and it refuses more Nigerian family applications than any other single rule.
But here is what most couples don't know: you don't need the income if you have the savings. Cash savings of £88,500 held for six months fully replace the income requirement. This guide explains both routes, the formula behind that number, and the practical ways Nigerian couples structure it.
Route 1: The £29,000 Income Requirement
The income must come from the UK-based partner (the sponsor) in most cases — your Nigerian income generally only counts if you already have permission to work in the UK. Qualifying sources include:
- Salaried or self-employment income of the UK partner (6 months with the same employer, or 12 months of history if newer)
- Pension income
- Certain non-employment income (rentals, dividends)
If the sponsoring partner earns £29,000+, the financial requirement is met with payslips, employment letter, and bank statements. Official reference: GOV.UK family visa financial requirements.
Route 2: The Cash Savings Alternative
If the UK partner earns below £29,000 — or nothing at all — savings can bridge or replace income entirely, using this formula:
Required savings = (income shortfall × 2.5) + £16,000
| Sponsor's income | Shortfall | Savings needed |
|---|---|---|
| £29,000+ | £0 | none |
| £23,000 | £6,000 | £31,000 |
| £15,000 | £14,000 | £51,000 |
| £0 (savings-only) | £29,000 | £88,500 |
The conditions on those savings are strict — and this is where applications fail:
- Held for 6 consecutive months before the application, never dipping below the required figure
- In cash — instant-access savings or current accounts; stocks and pensions must be liquidated 6+ months before (see what counts as cash-equivalent funds)
- In the couple's names — either partner or jointly; a parent's or sibling's account does not count
- Source documented — a recent gift is permitted, but it must have completed the 6-month seasoning and the source must be explainable, or you invite the funds-parking scrutiny that refuses files
Chat us Via Whatsapp to Get up to ₦500 million Proof of fund Today.
Whether you are applying for studentship, business deals, contracts, student visas, and immigration, we can fund you.
Savings held in Nigeria can qualify if properly evidenced — but naira volatility means the converted value must stay above the threshold every day of the six months. Hold a generous buffer, or hold the funds in pounds; our guide on domiciliary vs naira accounts covers the trade-off.
Which Route Should Nigerian Couples Use?
- UK partner employed at £29,000+: income route — simplest, fewest documents
- UK partner employed below £29,000: combination — the formula tops up the shortfall with modest savings
- UK partner not working (studying, caring, between jobs): savings route — £88,500 seasoned for six months
- Exceptional circumstances: where refusal would breach Article 8 (family life), other credible sources can be considered — but this is a legal argument, not a checkbox; take advice before relying on it
The Timeline Mistake That Costs Couples a Year
The six-month seasoning clock is unforgiving. Couples routinely gather the money, apply the following month, and get refused — then must restart the six months from scratch. Plan backwards: money in place by month zero, untouched through month six, application in month seven. The same discipline applies to the 28-day rules elsewhere in the UK system — the UK refuses on arithmetic, not sympathy.
Also verify the evidence format: statements covering the full period, in the right names, fresh at the date of application. UKVI verifies with banks, including Nigerian banks.
Structuring the Savings Route Properly
£88,500 (roughly ₦190m+) is a serious sum, and how it is held and evidenced decides the application. POF NG structures spouse-visa savings files for Nigerian couples: correct account names, six-month seasoning managed to the day, source-of-funds documentation, and statements formatted for UKVI. If your money is spread across investments, businesses, or family members, we'll map the legal route to a compliant file.
Message us on WhatsApp at 08103669924 with your partner's income situation and timeline for a free assessment — or start with the proof of funds calculator.
Official Resources
Victoria Ajetomobi
Victoria is an expert study abroad and visa consultant with years of experience helping Nigerian students and professionals navigate complex proof of funds requirements.
Chat with Victoria