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Adult students

Proof of availability of money

This page explains what documents you can use to prove the availability of your money, and what the documents must show, to apply to study in the United Kingdom.

You can provide bank or building society statements, a building society passbook, a letter from your bank confirming money or a loan, a letter from a regulated financial institution or a letter of official financial sponsorship.

You must show that you have held the money for at least 28 days. But there are transitional arrangements in place if you apply before 1 October 2009. See What money do I need? for more information on the transitional arrangements.

See When and where to apply to work out what the date of your application is, depending on where and how you apply.

More information

  • Personal bank or building society statements covering a 28-day period ending no more than one month before the date of your application

    Your personal bank or building society statements should show:

    • your name, or the name of the child's parent(s) or legal guardian(s) if applicable in the case of a child student;
    • the account number;
    • the date of the statement;
    • the financial institution's name and logo; and
    • the amount of money available.

    You can use bank statements that are for a specific purpose (also known as 'ad hoc') as evidence, as long as:

    • they include all of the information above; and
    • they are printed on paper with the letterhead of the bank.

    You cannot use mini-statements from cash machines (ATMs) as evidence.

    You can use electronic bank statements from an online account if they include all the
    information above. Each electronic bank statement should be stamped by the official
    stamp of the bank on every page of the statement.

    If you want to use a joint account as proof of your money, you must be named on the account along with at least one other person.

  • Building society pass book covering a 28-day period ending no more than one month before the date of your application

    Your building society pass book should show:

    • your name, or the name of the child's parent(s) or legal guardian(s) if applicable in the case of a child student;
    • the account number;
    • the financial institution's name and logo; and
    • the amount of money available.
  • Letter from your bank confirming funds, covering a 28-day period ending no more than one month before the date of your application

    Your letter from a bank or building society should show:

    • your name, or the name of the child's parent(s) or legal guardian(s) if applicable in the case of a child student;
    • the account number;
    • the date of the letter;
    • the financial institution's name and logo;
    • the money in your account; and
    • that there is enough money in the account (to cover course fees and living costs).
  • Letter from a financial institution confirming funds, covering a 28-day period ending no more than one month before the date of your application

    The financial institution must be regulated by either the Financial Services Authority or, in the case of overseas accounts, the home regulator (that is, the official regulator for the country that the institution is in and where the money is held).

    Your letter from the financial institution should show:

    • your name, or the name of the child's parent(s) or legal guardian(s) if applicable in the case of a child student;
    • the account number (if applicable);
    • the date of the letter;
    • the financial institution's name and logo; and
    • the money in your account.
  • Letter from a financial institution confirming a loan

    The financial institution must be regulated by either the Financial Services Authority or, in the case of overseas accounts, the home regulator (that is, the official regulator for the country that the institution is in and where the money is held).

    Your letter from the financial institution should show:

    • your name, or the name of the child's parent(s) or legal guardian(s) if applicable in the case of a child student;
    • the date of the letter;
    • the financial institution's name and logo; and
    • the money (or funds) available as a loan.
  • Letter of official financial sponsorship or government sponsor

    Financial sponsorship means you are given money to cover your course fees and living costs. If your financial sponsor is only covering some of your course fees or living costs, you must show that you have the rest of the money needed. 

    You should provide a letter of confirmation from your official financial sponsor. This may be Her Majesty's Government, your home government, the British Council or any international organisation, company or university.

    The letter must be on official letter-headed paper or stationery of the organisation of the official financial sponsor and have the official stamp of that organisation on it.

    The letter 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
    • the amount of money you have or a statement that your official financial sponsor will cover all of your fees and living costs.

    If you have official sponsorship that only covers part of your money needed, you must provide a letter which shows:

    • your name;
    • the name and contact details of your official financial sponsor; 
    • the date of the letter; 
    • the length of your sponsorship;
    • the amount of the money they will give you; and
    • proof that you have the rest of the money needed.

    If you are receiving official financial sponsorship from your approved education provider (for example, a scholarship), the approved education provider may choose to include details of the financial sponsorship on the visa letter.