Finances & funding
Unexplained bank deposits before a visitor visa application
A recent deposit is not automatically a problem, but its source and availability may need evidence.
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Why a deposit raises questions
An unusual credit may make it difficult to understand whether funds belong to you, are borrowed or are genuinely available. The issue is the explanation and supporting evidence, not a rule prohibiting all recent deposits.
Trace the source
A sale, gift, matured investment or transfer between your own accounts should be described accurately. Show the records that connect the transaction to its stated source where available; if money must be repaid, do not describe it as unrestricted savings.
Do not manufacture a balance
Adding temporary funds to create an impression of financial strength can undermine the account presented. A transparent explanation of genuine support is preferable to misleading documents.
Common mistakes
- Leaving a large recent credit unexplained.
- Presenting repayable money as long-held personal savings.
Evidence to consider
These are examples to consider where relevant, not a mandatory checklist or a guarantee that requirements are met.
- Statements linking the transfer and evidence of its underlying source.
- An accurate explanation of a gift, loan or asset sale.
Official rules and guidance
Rules and guidance can change. Check the current official sources before relying on this information.
This is general legal information, not advice or an assessment of your eligibility. Your individual circumstances and the rules in force when you apply require consideration by a solicitor. No outcome is guaranteed.
Related guidance
Advice on your own circumstances
Discuss your proposed visit or refusal with an immigration solicitor. Scope and fees are agreed in writing before substantive work begins.