You must show your unpaid first-year tuition plus 9 months of living costs (£1,529/month in London, £1,171/month outside), held for 28 consecutive days. Many Nepali students fund this with an education loan - that's allowed, but it must be documented correctly, and any large deposit needs a clear source.
The 28-Day Rule
- Funds must sit in the account for 28 consecutive days without dropping below the required amount on any single day.
- The closing balance must be dated no more than 31 days before you submit your online application.
- The money can sit untouched - no transactions are required during the 28 days.
What the Statement Must Show
| Requirement | Detail |
|---|---|
| Letterhead | Official bank letterhead with the bank's name and logo |
| Name | Your name, or your parent/sponsor's name if using their account |
| Account number | Shown clearly on the statement |
| Date | Recent, covering the full 28-day period |
| Balance | Daily or running balance proving the threshold was met every day |
| Authentication | Each page stamped and signed by the bank, or a covering letter confirming the statement is genuine |
Using an Education Loan
A loan from a recognised Nepali bank or financial institution counts as funds if it's an academic/education loan paid to you (or held in your name) without further conditions. Provide the loan sanction/approval letter on bank letterhead. The same loan documents support your NOC and fee remittance.
Evidence the Source of Large Deposits
A big amount that appears just before the 28-day window can trigger a credibility refusal unless you can show where it came from - property/land sale deed, salary or business income, a documented family gift, or a sanctioned loan. Season and document the money.
Maintenance Amounts (2026)
| Location | Per month | 9 months |
|---|---|---|
| London | £1,529 | £13,761 |
| Outside London | £1,171 | £10,539 |
Add any unpaid tuition shown on your CAS. Tuition you've already paid reduces what you need to show - keep the receipt.
Using a Parent or Sponsor's Account
- Their stamped bank statement covering the 28 days.
- Proof of your relationship - birth certificate / relationship certificate.
- A signed letter from them confirming they consent to you using the funds for your studies.
What Counts and What Doesn't
Accepted
- Regulated Nepali banks (Nabil, Global IME, NIC Asia, Standard Chartered Nepal, and similar)
- Current or savings accounts
- Education loan sanction letters (recognised institutions)
- A parent/sponsor account (with consent + relationship proof)
Not Accepted
- Unstamped print-outs or app screenshots
- Mobile wallets (eSewa, Khalti)
- Overdrafts
- Shares, investments, crypto
- Cash deposits with no traceable source
Leave an Exchange-Rate Buffer
If your funds are in rupees, the pound value moves. Keep 5-10% above the minimum so a rate swing on application day doesn't push you below the threshold (NRB now even allows an extra 5% to be remitted for this reason). UKVI converts using the OANDA rate on the day you apply.
Frequently Asked Questions
You must show living costs of £1,529 per month for a course in London, or £1,171 per month outside London, for up to 9 months (up to £13,761 or £10,539), plus any unpaid tuition shown on your CAS.
The funds must sit for 28 consecutive days without the balance ever dipping below the required amount, and the statement's 28-day period must end no more than 31 days before you apply.
Yes. Use their stamped bank statement covering the same 28 days, your birth certificate showing your relationship, and a signed letter from them consenting to you using the funds for your studies.
Yes. An academic or education loan from a recognised Nepali bank counts if it is paid to you or held in your name without further conditions. Provide the loan sanction letter on bank letterhead - the same documents support your NOC and NRB fee remittance.
No. Funds must sit in a regulated Nepali bank with a stamped statement. Mobile wallets (eSewa, Khalti), unstamped screenshots and untraceable cash deposits are not accepted.
Last updated: July 2026. Always confirm requirements at gov.uk.