Bank statement and solvency: what embassies really check

Guides 1 min read

Having enough money is only half the story. Embassies also look at where it came from and how steady your account is.

Almost every visa needs proof that you can pay for your trip. But a large balance alone is not enough โ€” embassies read your bank statement like a story.

What they look at

  • Balance: enough to cover travel, stay and daily costs for your whole trip
  • History: usually the last 6 months, with regular income coming in
  • Source of funds: salary, business income, rent or savings that can be explained

Red flags to avoid

  • A big deposit just before you apply, with no explanation
  • An account opened only a few weeks ago
  • A balance that is much higher than your income could explain

The solvency certificate

Ask your bank for a solvency certificate on the bank's letterhead, signed and sealed, showing your current balance. Get it close to your application date.

If a sponsor is paying

Include the sponsor's bank statement, income proof and a signed letter explaining your relationship and what they will cover.

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