The UK student visa bank statement Pakistan requirement is one of the most important conditions for Pakistani students applying for a UK study visa in 2026. Many visa applications get rejected because students do not understand how much bank statement is required, how long funds must stay in the account, and whose bank account is acceptable.
This complete 2026 guide explains everything Pakistani students need to know about the UK student visa bank statement requirement, including exact amounts, rules, examples, and common mistakes.
UK Student Visa Bank Statement Pakistan – Required Amount
For a UK student visa, you must show enough money to cover:
- First-year tuition fees
- Living expenses for up to 9 months
Living Cost Requirement (2026)
If your university is outside London:
- £1,023 per month
- For 9 months = £9,207
If your university is in London:
- £1,334 per month
- For 9 months = £12,006
Total Amount Formula
Total bank statement = Tuition fee + Living cost
Example
If your tuition fee is £14,000 and your university is outside London:
- Tuition: £14,000
- Living cost: £9,207
- Total required funds: £23,207
The Breakdown for 2026
For applications made in 2026, the monthly living expense requirements have been updated:
| Location | Monthly Requirement | Total Maintenance (9 Months) |
| Inside London | £1,529 | £13,761 |
| Outside London | £1,171 | £10,539 |
How Long Should Money Stay in Bank for UK Student Visa?
This is where most students make mistakes.
UK Visa Rule:
Your required funds must be:
- In the bank for at least 28 consecutive days
- The closing balance date must be within 31 days of your visa application
❌ Even one-day break can cause rejection.
Whose Bank Statement Is Acceptable?
You can show funds from:
✅ Acceptable Sources
- Your own bank account
- Parents’ bank account
- Legal guardian’s account
❌ Not Accepted
- Friend’s bank account
- Business accounts (unless clearly personal)
- Temporary deposits made just before applying
If using parents’ account, you must also provide:
- Birth certificate
- Affidavit of support
Which Banks Are Accepted for UK Student Visa from Pakistan?
UK visa authorities generally accept bank statements from:
- Scheduled Pakistani banks
- Well-known international banks operating in Pakistan
Your bank statement must be:
- Original or officially stamped
- In English (or translated)
- Showing account holder name, account number, dates, and balance
Can Fixed Deposits or Savings Accounts Be Used?
Savings Account
✅ Yes — fully accepted
Fixed Deposit
⚠ Accepted only if:
- Funds are accessible immediately
- Bank letter confirms liquidity
Always confirm with your bank before submitting.
Common Bank Statement Mistakes That Cause Rejection
Avoid these critical errors:
❌ Funds not maintained for 28 days
❌ Statement older than 31 days
❌ Missing bank stamp or letter
❌ Using joint accounts without clarification
❌ Showing borrowed or temporary funds
❌ Mismatch between CAS and bank statement
Even one mistake can lead to visa refusal.
Crucial Rules for Your Bank Statement
- The 28-Day Rule: The full amount (Tuition + Maintenance) must be in your account for at least 28 consecutive days. If the balance drops by even 1 PKR below the required amount during this time, your visa will be refused.
- The 31-Day Rule: Your bank statement must be dated within 31 days of the date you submit your online visa application.
- Exchange Rates: The UKVI uses the OANDA exchange rate on the day of your application. Because the PKR can fluctuate, it is highly recommended to keep an extra 5-10% buffer in your account to avoid falling short.
- Whose Account? You can use your own account or your parents’/legal guardians’ account. If using parents’ funds, you must provide your Birth Certificate and a Consent Letter.
Understanding the UK student visa bank statement Pakistan rules can significantly improve your visa approval chances.
Can I Show Less Money Than Required?
No.
UK visa officers strictly verify:
- Exact amount
- Duration
- Source
Showing even £100 less can result in rejection.
Do I Need to Show Full Tuition Fee If I Paid Some Amount?
If you have already paid part of your tuition:
- You only need to show the remaining balance
- Your CAS must clearly mention paid amount
Bank Statement Checklist for UK Student Visa (Pakistan)
Before applying, confirm:
✔ Correct amount shown
✔ Funds held for 28 days
✔ Statement issued within 31 days
✔ Correct account holder name
✔ Bank stamp or letter included
✔ Supporting documents attached
Final Advice for Pakistani Students
The bank statement is not just a formality — it is one of the most important UK student visa requirements. Prepare your funds early, keep them stable, and double-check every detail before submitting your application.
A properly prepared bank statement greatly increases your chances of UK student visa approval.
To help you rank on Google, these FAQs are written to target high-volume search queries and provide the exact data UKVI (UK Visas and Immigration) requires for 2026.
Always double-check the official UK student visa bank statement Pakistan requirement before submitting your application.
COMMON QUETIONS YOU MIGHT HAVE IN MIND
1. How much bank balance is required for a UK Student Visa from Pakistan?
For 2026, you must show the total of your remaining first-year tuition fees plus maintenance funds. The maintenance requirement is:
- Inside London: £1,529 per month (Total: £13,761 for 9 months).
- Outside London: £1,171 per month (Total: £10,539 for 9 months).
- Example: If your remaining fee is £10,000 and you study outside London, your bank statement must show at least £20,539 (approx. 7.2M PKR).
2. What is the 28-day rule for a UK Student Visa bank statement?
The “28-day rule” is the most common reason for refusal. It means the required funds must have been in your account for a minimum of 28 consecutive days before you submit your online visa application. If the balance drops even by 1 PKR below the required amount at any point during those 28 days, your visa will be rejected.
3. How old can the bank statement be when I apply for my visa?
Your bank statement must be dated within 31 days of your online visa application date (the day you pay the visa fee). If your statement is 32 days old on the day you apply, it will be considered invalid by the Home Office.
4. Can I use my parents’ bank statement for my UK Student Visa?
Yes, but you can only use the bank statement of your father or mother (or legal guardian). You cannot use statements from siblings, uncles, or cousins. You must also provide:
- Your original Birth Certificate (to prove the relationship).
- A Letter of Consent signed and dated by your parent.
5. Does the UK embassy verify bank statements from Pakistan?
Yes, UKVI strictly verifies bank statements. They may contact your bank directly or use digital verification systems. Using “parked funds” (money borrowed for 28 days that you don’t actually own) or forged documents can result in a 10-year ban for deception.
6. Which banks in Pakistan are accepted for UK Student Visas?
Most major commercial banks regulated by the State Bank of Pakistan are accepted (e.g., HBL, Meezan Bank, Bank Alfalah, MCB, Standard Chartered). UKVI generally accepts any bank that uses electronic record-keeping and is subject to local regulation.
7. Can I use a gold or property valuation as proof of funds?
No. UKVI only accepts cash funds held in a bank account (savings or current). Property valuations, gold, stocks, shares, or cryptocurrency are not accepted as evidence of maintenance funds.
8. How should I calculate the GBP to PKR exchange rate?
The UK Home Office uses the OANDA exchange rate on the exact day you submit your online application. Because the PKR fluctuates daily, it is highly recommended to keep a 10% buffer (extra money) in your account to ensure currency changes don’t push you below the required GBP threshold.
9. Can I use a loan letter instead of a bank statement?
Yes, you can use an official educational loan letter. The letter must be from a regulated financial institution and must confirm that the loan is provided specifically for your studies and has no conditions for its release other than the visa being granted.
10. Are online/digital bank statements accepted for the visa?
Yes, digital statements are accepted if they include all necessary details: your name, account number, bank logo, and transaction history. However, to be safe, it is best practice to get the digital statement stamped and signed by your bank branch manager.