Financial requirements & evidence
Before you apply for your visa, you must have enough money in your bank account to cover any living costs (maintenance) and course fees you have not yet paid (shown on your CAS). You may also be required to provide a bank statement or other evidence to prove this.
You will also need to be able to pay the visa application fee, Immigration Health Surcharge (IHS) and any other associated charges.
Living costs (maintenance):
You must show that you have £1015 to live on for each month of your new programme.
- The maximum number of months you need to prepare for is 9, so the maximum amount of money you must show for maintenance is £9135
Living costs (maintenance) for dependants (if applicable):
You must also have enough money to cover maintenance for any dependants applying at the same time as you.
- You must show that you have £680 per dependant, for each month that they will be in the UK with you.
- The maximum number of months you need to prepare for is 9, so the maximum amount of money you must also show for each dependant is £6120
The table below shows you how much you will need to have:
|Length of course / Study remaining||Maintenance required||Plus course fees required||Plus maintenance for each dependant (if applicable)|
|9 months or longer||£1015 per month x 9 (maximum) = £9135||
Fees for first / current year* of course not yet paid
£680 per month x 9 (maximum) = £6120
|Less than 9 months||£1015 per month x number of months remaining until course ends||
Fees for first / current year* of course not yet paid
*Starts in August
£680 per month x number of months until date course ends + 4 additional months
Tier 4 Doctorate Extension Scheme (DES)
If you are applying for the Tier 4 Doctorate Extension Scheme, you and any dependants will qualify for a reduced rate of maintenance:
|Length of visa||Maintenance required||Plus maintenance for each dependant (if applicable)|
£1015 per month x 2 months (maximum) = £2030
£680 per month x 2 months (maximum) = £1360
Course fees not yet paid:
Your CAS will show the full cost of your course fees for your first year of study (or the current period of study) and any amount you have already paid towards them. Any amount you have not already paid, you must also hold in your bank account, together the money for living costs, for at least 28 consecutive days before you apply.
University accommodation fees paid:
If you have paid any money to the University for accommodation, this will also be shown on your CAS. You can deduct the amount you have paid from the total amount for living costs required, but only up to a maximum of £1265.
Holding the money in a bank account for at least 28 consecutive days
The total amount of money for livings costs and unpaid course fees should be held in a bank account in your own name for a period of at least 28 consecutive days before you apply.
- The money can be held for longer, but not less than 28 consecutive days.
- The 28 days must also end on the date of the closing balance in your account.
- If you are required to provide evidence from your bank, your bank statement must show that you have held the required money for at least 28 consecutive days (or longer) up the ‘closing balance’ on the statement.
- The 28 days (or longer) must end before you apply for your visa online, but must not end more than 31 days before the date you apply.
- If you are not required to provide evidence from your bank, we recommend that you keep the required funds in your bank account at least until the date of you apply online.
- We also recommend that, where possible, you do not allow the balance to fall below the required amount until your visa is granted (although this is not essential).
Please note: Even if you do not have to provide evidence when you apply, you may be asked to do so at a later date.
You can hold the required money in a personal bank account held in the UK or in your home country. This should be in an account held in your own name*
*If it is not possible to use an account in your own name, you can use a personal bank account held in the name of your parent(s) / legal guardian(s). However, if you choose to do this, you will also need to provide the following:
- An original bank statement in the name of your a parent(s) / legal guardian(s)
- Your birth certificate showing the names of your parent(s) / legal guardian(s)
- A letter from your parent(s) / legal guardian(s) confirming:
- The relationship between them and you
- That they give their permission for you to use their money to study in the UK
Applicants who DO NOT have to provide financial evidence
Some applicants may only need to provide mandatory documents as part of their application and may not need to provide other supporting documents such as financial evidence, qualifications used for entry to Durham or evidence of English language ability. This applies to students who come under the following two categories:
- Differentiation arrangement countries
- Tier 4 Pilot Scheme
Differentiation arrangement countries (previously referred to as ‘low risk’)
If you are from one of the countries below you are required to provide only mandatory documents as part of your application. This is called the ‘Differentiation Arrangement’:
- Australia, Bahrain, Barbados, Botswana, Brazil, Brunei, Cambodia, Canada, Chile, China, The Dominican Republic, Indonesia, Japan, Kazakhstan, Kuwait, Malaysia, Mauritius, Mexico, New Zealand, Oman, Peru, Qatar, Serbia, Singapore, South Korea, Thailand, Tunisia, United Arab Emirates, United States of America.
In addition, holders of a passport from the following authorities will also be considered under the differentiation arrangements:
- British National (Overseas), Hong Kong, Macau SAR, Taiwan (those who hold a passport issued by Taiwan that includes the number of the identification card issued by the competent authority in Taiwan)
This means that you are not required to provide other supporting documents such as financial evidence, qualifications used for entry to Durham or evidence of English language ability, however you are still required to meet all the requirements, including having the required amount of sufficient money in your account (you could be asked to provide evidence at a later date).
Tier 4 Pilot Scheme
If you are coming to study one-year Master's programme (less than 13 months), you will automatically be included in the Tier 4 Pilot Scheme (even if you are not from one of the countries listed above) and you are only required to provide mandatory documents as part of your application.
This means that you are not required to provide other supporting documents such as financial evidence, qualifications used for entry to Durham or evidence of English language ability, however you are still required to meet all the requirements, including having the required amount of sufficient money in your account
Please note: You could be asked to provide evidence at a later date and, therefore, should still prepare the evidence in case you are asked to do this.
We recommend that all bank statements used for your visa application are produced from a UK bank account (if you are applying in the UK). If you cannot use a statement from a UK bank account then any statement you do you use should be in a similar format to the example below. Please contact the Student Immigration Service if you are not sure about this.
You can provide one or more statements from the same account, but together they must cover 28 consecutive days up to the closing balance (see below). The statement must be dated no more than one month before the date you apply.
Your bank statement should be:
- an official bank statement received by post; or
- a PDF document from your online account if in the same format; or
- a statement printed online with a URL / web address appearing on it (must be stamped by your bank on each page); or
- a statement printed in the bank (must be stamped by your bank on each page)
Example bank statement for a student with £15700 outstanding course fees:
Please note: Where you are providing a bank statement showing a currency other than pounds sterling (GBP), you should also provide a currency conversion from the OANDA website showing the closing balance in GBP. Any documents not in English must be accompanied by an official translation.
Letter from an Official Financial Sponsor
If you receive financial support towards your programme fees and / or maintenance from an Official Financial Sponsor, you must provide an original letter from them confirming how much they are paying to support you in the UK and that they give their unconditional consent for you to apply to enter or remain in the UK.
An Official Financial Sponsor is usually your own country's government or an international company (or employer). It is essential that your sponsor meets UKVI criteria and that the original letter is exactly as stated in the Tier 4 policy guidance.
The original letter from your official financial sponsor should show:
- your name;
- the name and contact details of your official financial sponsor;
- the date of the letter;
- the length of your sponsorship; and
- a statement confirming that your official financial sponsor will pay all of your course fees and living costs; or
- or a statement confirming exactly how much your official financial sponsor will pay you towards your course fees and / or living costs (and those of your family, if applicable);
- details of any dependants covered by the sponsorship
Your official financial sponsor must also confirm in writing:
- that they have no objection to you continuing your studies in the UK.
If your letter does not confirm all of the above, your application will be refused. Please contact your official financial sponsor to request a new one.
Please note: If you previously received financial support from your sponsor but it stopped within the last 12 months, you must still provide a letter from them stating that they have no objection to continuing your study in the UK, even if they are no longer sponsoring you financially.
US Federal Aid
If you receive US federal aid that covers your living costs and / or course fees, either partially or in full, you can declare this on your visa application. If this does not cover the whole amount required then you will need to have the remaining amount in a bank account for 28 consecutive days before you apply, as explained above.
As a US national you are not required to provide financial evidence as part of your application but you must ensure you meet the requirements before you apply.
Documents not in English
Any documents not in English must be accompanied by an official translation.
Where you are providing a bank statement showing a currency other than pounds sterling (GBP), you should also provide a currency conversion from the OANDA website showing the closing balance in GBP.