Student Visa Bank Solvency & Financial Breakdown
Calculate exact 1-year fund requirements in Bangladeshi Taka (৳) and foreign currency according to embassy guidelines.
UK student visas require 28 consecutive days of holding funds without falling below the threshold. Canada expects 4 months bank history, and Australia requires 3 months with verified tax returns.
1. Visa Financial Parameters
Official Requirement Note:
Visit Sannalpara, Behind Sonali Bank Bus Stand, Sherpur, Bogura for a complete pre-visa audit of your bank solvency documents.
2. Calculated Fund Requirement
1-Yr Living Cost
৳18,24,912
Tuition Fee
৳22,80,000
Holding Period
undefined Days
Currency & Rate
GBP
The 28-Day Bank Solvency Rule for UK Student Visas Explained
Official financial capacity criteria mandated by UK Visas and Immigration (UKVI).
1. The Strict 28 Consecutive Days Holding Period
Under UKVI Appendix Finance rules, your required funds (1 year's living expenses + remaining tuition fees) must be held in your bank account for a continuous 28-day period. The closing balance must not drop below the required amount even for a single day during these 28 consecutive days, or your application will be automatically refused.
The bank statement or balance certificate must be dated within 31 days prior to your online visa application fee payment date.
2. Approved Banks & Eligible Financial Sponsors
Only scheduled commercial banks regulated by Bangladesh Bank (e.g., BRAC Bank, City Bank, Eastern Bank, Dutch-Bangla Bank, Prime Bank) are recognized. Unregulated cooperatives, microfinance NGOs, or multi-purpose societies are strictly ineligible.
Funds must be held under the applicant's own name, or under the legal parents' (father/mother) name accompanied by a verified birth certificate, parental sponsorship consent letter, and court affidavit.
Canada, Australia & Germany Financial Proof Guidelines 2026
Country-specific financial evidence requirements for major study destinations.
Canada: GIC & 4 Months
Requires 4 months of consistent bank transaction history. Living cost requires CAD $20,635 through a Guaranteed Investment Certificate (GIC) or equivalent liquid funds in addition to first-year tuition.
Australia: 3 Months & Tax
Minimum 3 months of seasoned bank funds required. Living cost set at AUD $29,710 plus tuition. Sponsors must provide certified tax returns (IT-10B) and verifiable proof of income.
Germany: Sperrkonto €11,208
Tuition is free at public universities, but living costs require €11,208 deposited into a recognized blocked account (Sperrkonto via Expatrio/Fintiba), allowing monthly withdrawals of €934.
How to Legally Justify Sudden Bulk Deposits
Preventing visa refusals caused by unexplained account transactions.
Land / Property Sale
Attach certified copy of Registered Sale Deed, land mutation records, tax clearance receipts, and bank deposit credit advice.
FDR / Sanchayapatra Encashment
Provide official bank FDR encashment / liquidation certificates showing the capital originated from mature legitimate savings.
Business / Agricultural Income
Submit 2 years company audit reports, renewed trade licenses, corporate tax documents, or agricultural produce sales vouchers.
Frequently Asked Questions (Bank Solvency)
Essential answers regarding financial solvency documents from Bangladesh.
What is the difference between a Solvency Certificate and a Statement?
A Bank Solvency Certificate is a formal letter from the bank branch manager stating the current balance and account trustworthiness. A Bank Statement provides a granular record of daily debits, credits, and continuous balances. Both documents are mandatory for visa filing.
Can uncles or extended relatives sponsor my student visa?
No. Major immigration departments (UKVI, IRCC, Home Affairs Australia) strictly disallow second-degree relatives as financial sponsors. Only self-funding, legal parents, or spouse accounts are accepted.
Can I withdraw funds before the visa decision is made?
Absolutely not. Consular officers frequently contact banks in Bangladesh directly for real-time fund verification. Premature withdrawal results in visa refusal and a possible 10-year ban under fraud rules.
Does Bdesh to Bidesh Bogura HQ audit bank files for free?
Yes. Our ICEF-certified counselors at the Bogura Head Office offer complete pre-submission audits of your financial statements, source of funds documentation, and tax returns at zero cost.
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