How is 28 days UK visa calculated?

Decoding the 28-Day UK Visa Fund Calculation: It’s All About the Closing Balance Date

Applying for a UK visa often involves navigating a complex web of requirements, and one of the most crucial aspects is demonstrating sufficient funds. While a 28-day stay might seem straightforward, understanding how the required financial evidence is calculated can be surprisingly tricky. The key lies in understanding the role of the closing balance date on your bank statement.

Contrary to popular misconception, the 28-day period isn’t simply counted from the date of your intended arrival in the UK. Instead, the UK Visas and Immigration (UKVI) uses the closing balance date of your bank statement as the pivotal point. This date represents the final day of the statement period. The 28-day period is then counted backwards from this date.

Let’s illustrate this with an example:

Imagine your bank statement shows a closing balance date of October 26th, 2024. To satisfy the 28-day requirement, the UKVI will examine your bank statement for the period from September 29th, 2024 (26th October – 28 days) to October 26th, 2024. It’s this 28-day period that must demonstrate you possess sufficient funds to cover your stay. Any statements showing balances before September 29th are generally not considered, even if they show a higher overall balance.

Why is the closing balance date so important?

The UKVI uses the closing balance date to ensure consistency and avoid potential manipulation. Using a rolling 28-day period tied to the official statement end date provides a clear, auditable process. It prevents applicants from cherry-picking periods with higher balances and provides a more accurate reflection of their consistent financial standing.

What this means for your application:

• Prepare your statements carefully: Ensure your bank statement clearly shows the closing balance date. Any discrepancies or unclear information can lead to delays or rejection.
• Focus on the relevant period: Don’t worry about showing balances from periods beyond the calculated 28-day window.
• Consult official guidance: Always refer to the UKVI’s official guidance on financial requirements for the most up-to-date and accurate information. This ensures you meet all specific requirements.

Understanding the 28-day calculation centred around the closing balance date is critical for a successful UK visa application. By carefully reviewing your bank statements and understanding this process, you can significantly improve your chances of a positive outcome. Remember to always prioritize accuracy and clarity in your application.