Bank statement problem

[RexW]

I know this question maybe unnecessary...

I will sponsor my wife for her spouse visa coming to UK, on Cat. D saving route. Part of our saving sits in our fixed term saving account and would requires one-month notice to cancel the account. We didn't realise that a time deposit account was not regarded as a "valid saving" due to the money could not be accessed immediately without notice.

So we have to gather 5 other bank accounts to meet the financial requirement, one of the accounts has as little as £1,000 merely.

The reason I am unsure is that throughout the guideline, it doesn't mention that the word accountS, for example:

7.4.1. Savings must be held in cash in a personal bank/savings account in the name of the
applicant, their partner or the couple jointly. The savings can be from any legal source,
including a gift from a family member or other third party, provided the source of the
cash savings is declared. The applicant and/or their partner must confirm that the
money, which cannot be borrowed, is under their control and evidence that it has been
held in their bank account for at least the 6 months prior to the date of application.

Many thanks!

[Y123m]

Yes, you can use multiple accounts which are in your name. As part my wife’s application i used my current and savings account. You’ll need to write a declaration for the source of your savings.

[RexW]

Yes, you can use multiple accounts which are in your name. As part my wife’s application i used my current and savings account. You’ll need to write a declaration for the source of your savings.

Thanks for your help!

[RexW]

Hi guys, according to Item No. 10 of para. 7.4.3 in Appendix FM Section 1.7 Appendix Armed Forces Financial Requirement (Aug 2017). It is stated that "The source of the funds has been declared" as one of the requirements must be met.

is it a designated declaration form to fill? Or simply fill in "Savings over time" in the online application when being asked "What is the source of the cash savings?"?.

Thank you.

[geoeng]

is it a designated declaration form to fill? Or simply fill in "Savings over time" in the online application when being asked "What is the source of the cash savings?"?.

There is no designated declaration but it's probably worth writing out a simple declaration letter providing a brief description of how you came to obtain the funds and including that with the supporting documents for the application. The specified evidence for using cash savings includes "A declaration by the account holder(s) of the source(s) of the cash savings" but not description of what specific form this should take.

[RexW]

Hi guys, I saw a lot of posts on facebook saying I need to provide call logs, whatsapp message, facebook screenshots etc with my wife in order to prove our relationship.

My problem is we don't really use facebook or IG, basically we don't share photos online. And we rarely call each other or video call because we live together since we met. All our whatsapp messages are simply daily conversation eg. are you coming back for dinner (all those sweet messages were years ago and I have no backup when I got a new phone).

But we do have a lot of photos showing we went for holiday and our daily pictures with our kid together for the past 5 years. Do you have any idea/experience if it is good enough?

Thank you.

[geoeng]

But we do have a lot of photos showing we went for holiday and our daily pictures with our kid together for the past 5 years. Do you have any idea/experience if it is good enough?

You don't specifically have to provide call and message logs and this tends to be more for those who don't live together to prove a genuine and subsisting relationship (which is a requirement). In addition to photos together you could also provide evidence of living together (tenancy agreement, bills, etc.), evidence of joint finances (bank accounts, etc.), hotel/flight bookings from trips together, and/or a selection of regular messages.

[RexW]

But we do have a lot of photos showing we went for holiday and our daily pictures with our kid together for the past 5 years. Do you have any idea/experience if it is good enough?

You don't specifically have to provide call and message logs and this tends to be more for those who don't live together to prove a genuine and subsisting relationship (which is a requirement). In addition to photos together you could also provide evidence of living together (tenancy agreement, bills, etc.), evidence of joint finances (bank accounts, etc.), hotel/flight bookings from trips together, and/or a selection of regular messages.

Thank you so much for your help Geoeng!

[RexW]

Hello lovely people,

I am a BC otherwise than by descent and making a spouse visa application for my wife. I have a question about "dependent" when I am filling the online application form.

We have a son and I have passed him a BC by descent as well as his first British passport. As far as I understand my son should not be counted as "dependant" because he is not a non-British child.

We have no joint account, we simply pay the bills without asking when I or my wife see the bills, including my son's expense. We also have no bills (not even mortgage letter) showing both of our names, it should keep us away from the hassle of "joint responsibility".

Questions:
(i) When being asked "Does anyone rely on you (my wife, the applicant) for financial support? Include both those travelling with you and those who are not.", shall I input my son's details here?
**in this case the system didn't ask my wife how much she spend on my son every month**

(ii) When being asked "Does anyone rely on Name (me, the sponsor) for financial support", shall I mention we raise our son?
**in this case the system ask me how much I spend on my son every month**

We only fulfill the minimum requirement of £62,500 so I don't want to mess up with these questions.

Many thanks!

[WesNG]

Hello lovely people,

I am a BC otherwise than by descent and making a spouse visa application for my wife. I have a question about "dependent" when I am filling the online application form.

We have a son and I have passed him a BC by descent as well as his first British passport. As far as I understand my son should not be counted as "dependant" because he is not a non-British child.

We have no joint account, we simply pay the bills without asking when I or my wife see the bills, including my son's expense. We also have no bills (not even mortgage letter) showing both of our names, it should keep us away from the hassle of "joint responsibility".

Questions:
(i) When being asked "Does anyone rely on you (my wife, the applicant) for financial support? Include both those travelling with you and those who are not.", shall I input my son's details here?
**in this case the system didn't ask my wife how much she spend on my son every month**

(ii) When being asked "Does anyone rely on Name (me, the sponsor) for financial support", shall I mention we raise our son?
**in this case the system ask me how much I spend on my son every month**

We only fulfill the minimum requirement of £62,500 so I don't want to mess up with these questions.

Many thanks!

hello again, would anyone have opinion on the issue please?

[RexW]

Hello, I am about to press the submit button.

I will be using 6 bank accounts from 4 different banks to prove my finance for my wife's spouse visa application. Some money goes out for bills, and some money transfers between above accounts which are all under my control.

Would anyone help me to understand:

Let's say I always have 70k in the previous 6 months, which meet the requirement of £62,500.

Account A: 50k at start of the month, 30k out to Account B, 20K remain at the end of the month.
Account B: 20k at start of the month, 30k in from Account A, 50k remain at the end of the month.

When being asked the lowest figure of Account A in the previous 6 month: 20k
When being asked the lowest figure of Account B in the previous 6 month: 20k

But I will still meet the requirement of £62,500, right?

Second question is, should I fill in the lowest moment in a month for calculation; or just compare the lowest balance across 6 months statements?

Many thanks!

[CR001]

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[RexW]

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member/RexW/

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I do apologise I forgot the password another day and didn't see where I can reset the password so I opened a new account, and somehow I replied to a post with another device which still logged in to the old account. I would like to keep RexW please.

[geoeng]

But I will still meet the requirement of £62,500, right?

Second question is, should I fill in the lowest moment in a month for calculation; or just compare the lowest balance across 6 months statements?

I think you have made this much more difficult for yourself than it could have been. Unfortunately I haven't applied under the cash savings category so am not sure exactly the wording of the questions asked as they relate to specific accounts or the savings balance overall, but it's generally best to answer them as accurately as possible. A cover letter explaining that the funds were moved between 2 accounts under your control would probably be helpful in showing that you consistently held the required amount.