Get this right and you avoid the single most common reason Ghanaian applications are refused
The financial rules are UK-wide: you must show your unpaid tuition plus 9 months of living costs (£1,529/month in London, £1,171/month outside), held for 28 consecutive days. What trips up Ghanaian applicants is how the money is evidenced - an unstamped print-out or a mobile-money screenshot will be rejected.
| Requirement | Detail |
|---|---|
| Letterhead | Official bank letterhead with the bank's name and logo |
| Name | Your name, or your sponsor's name if using a parent/guardian account |
| Account number | Shown clearly on the statement |
| Date | Issued recently, covering the full 28-day period |
| Balance | Daily or running balance proving the threshold was met every day |
| Authentication | Each page stamped by the bank, or a covering letter from the bank confirming the statement is genuine |
A plain PDF download or a mobile-app screenshot is not enough on its own - it must be stamped or accompanied by the bank's letter.
An MTN MoMo or other mobile-wallet balance is not valid proof of funds, no matter how much it holds. Move the money into a regulated bank account and let it season for the full 28 days before you apply.
Allowed, and very common. You'll need:
If your funds are in cedis, the pound value moves daily. Keep 5-10% above the minimum so a rate swing on application day doesn't push you below the threshold. UKVI converts using the OANDA rate on the day you apply.
Last updated: June 2026. Always confirm requirements at gov.uk.