uk tourist visa 3 months

UK Visitor Visa (Tourism or Leisure) - Top 10 FAQs

Most visitors to the UK will need to make an application for a UK visit visa from their country of residence, before travelling. In this post we answer some of the questions that are most frequently asked by individuals who wish to visit the UK as a Standard Visitor for the purpose of tourism or leisure .

What are the eligibility requirements for a UK Visitor Visa application?

In making an application for a UK Visitor Visa you will be required to prove:

• You will leave the UK at the end of your visit;
• You will not live in the UK for extended periods through frequent or successive visits, or make the UK your main home;
• You’re able to support yourself and your dependants during your trip (or have funding from someone else to support you);
• You are able to pay for your return or onward journey (or have funding from someone else to pay for the journey);
• You have proof of any business or other activities you want to do in the UK, as allowed by the Visitor Rules .

What can I do as a Standard Visitor in the UK?

As a visitor to the UK for the purpose of tourism or leisure, you will be permitted to:

• Visit friends and family and/or come to the UK for a holiday; 
• Take part in educational exchanges programmes;
• Attend recreational courses for a maximum of 30 days;
• Volunteer with a registered charity for a maximum of 30 days.

What does it mean to be a “Genuine Visitor”?

In order to succeed with an application for a UK Visit Visa, you will need to satisfy UK Visas and Immigration that you are a genuine visitor. This means that you will need to show you are genuinely seeking entry to the UK for a purpose permitted by the visitor routes, will not undertake any prohibited activities during your stay in the UK, will not live in the UK for extended periods through frequent or successive visits and will not make the UK your home

The Visit guidance lists factors which will be considered by a Caseworker in assessing whether an applicant is a genuine visitor. Theses include your:

• Previous immigration history to the UK and other countries;
• Financial circumstances as well as your family, social and economic background;
• Personal and economic ties to the UK.

In assessing your genuineness, the Caseworker will also consider the cumulative period of time you have spent in the UK over the last 12 months and the duration of your previous visits compared to what was stated on your visa application form or on arrival to the UK. 

If you intend to visit the UK for any other reason including to marry or form a civil partnership , to receive private medical treatment , or to undertake business activities , you must apply for the specific visit corresponding to the purpose of your visit.  

What reasons could a Caseworker have for doubting that I am applying as a Genuine Visitor?

The Visit Guidance provides a non-exhaustive list of reasons a Caseworker may doubt whether you are a Genuine Visitor. This includes whether or if:

• There are discrepancies between the statements made by you and your sponsor in your application; 
• You, your sponsor or other immediate family member has, or has attempted to, deceive or mislead the Home Office in a previous application to enter the UK;
• It has not been possible to verify the information you have provided. 

Although the existence of any of the above reasons will not result in the automatic refusal of your application, it will be essential to address each of these circumstances in your application. 

How much funds do I need to show for a UK Visitor Visa?  

You must have access to sufficient resources to maintain yourself adequately for the duration of your visit to the UK. There is no set level of funds you need to show this.

Some thought should be given to the activities you intend to undertake, and your living expenses, in the UK. This is because, when assessing your application, a Caseworker will consider the likely cost of your stay and assess any source of revenue that will continue to be available to you whilst visiting the UK. A Caseworker will take into consideration your income or savings against any financial commitments you have in your country of residence in deciding whether you are able to support yourself financially during your visit. 

What does it mean to make “frequent or successive visits” to the UK?

Although there is no specific maximum period of time which you can spend in the UK in any period, as long as each visit does not exceed 6 months, your application for a Standard Visitor Visa will be refused if a caseworker has reason to believe that you are living in the UK through frequent or successive visits. In assessing your application a Caseworker will consider your travel history including, how long you spend in the UK on each visit and how frequently you are returning to the UK. 

How do I make an application for a UK Visitor Visa?

An application for a UK Visitor Visa must be made online . A Standard Visitor may apply for a visit visa of 6 months, 2.5 years or 10 years validity. This allows multiple visits to the UK within the period of validity, unless the visa is endorsed as single or dual-entry), but if it is a ‘multiple entry’ visa, you still cannot remain in the UK as a visitor for more than 6 months on any individual visit. 

As part of the application process you will be required to attend a Visa Centre to enrol your biometrics and have your passport scanned as part of the application process. Once your application form is submitted online, you will be able to upload your supporting documents online and book an appointment to enrol your biometrics.

How much does it cost to make a UK Visit Visa application?

The Home Office application fee for a Standard Visitor Visa is £95. You may need to pay an additional fee for a biometric appointment at a Visa Centre. 

How long will it take for my UK Visit Visa application to be decided?

An application for a UK Visitor Visa is typically decided within 3 weeks of making the application and attending a visa application centre. It may be possible to apply for a priority service to speed up the process depending on the country you are applying from. Due to the Covid-19 pandemic, there may be delays in processing your applications and priority services may be limited. 

What happens if my application for a UK Visitor Visa is refused?

You are unlikely to have a right of appeal if your application for a Standard Visitor Visa is refused.  If you need to challenge a refusal, it is likely you will have to do so by way of judicial review. 

You may wish to speak to our barristers for expert legal advice on making a fresh application following the refusal of your visitor visa. It will be essential for you to make a carefully prepared application which addresses each reason from your refusal to be addressed in order to succeed with a fresh application. 

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For expert advice and assistance with an application for a UK Tourism and Leisure Visitor Visa , contact our Immigration Barristers on 0203 617 9173 or complete our enquiry form below.

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UK Standard Visitor Visa

The UK Standard Visitor Visa is a short-term visa which allows individuals to visit the UK to engage in a range of permitted activities.

What is the UK Standard Visitor Visa?

The UK Standard Visitor Visa, also known as a Visitor Visa, is a popular option for individuals seeking to visit the United Kingdom for a short period of time to engage in a diverse range of permitted activities. More specifically, with a UK Visitor Visa, individuals can enter the UK for the purposes of tourism, business and study amongst others.

Applicants who are successful in their UK Visitor Visa application will be able to stay in the UK for up to 180 days (6 months). In limited circumstances individuals may be able to apply to stay in the UK for a longer period of time. Please note that not everyone will require a visa to visit the UK for less than 6 months. If you are a national or citizen of one of the countries or territories listed in Immigration Rules Appendix Visitor: Visa national list , then you will require entry clearance prior to coming to the UK (i.e. you will need a visa prior to travelling to the UK).

In order to apply for a UK Visitor Visa, an online application must be made from outside of the UK. As part of the application process, you will be required to meet a set of eligibility requirements, provide supporting documents, and depending on your circumstances, you may be required to attend an appointment at a visa application centre.

UK Standard Visitor Visa Eligibility Requirements

To be eligible for a UK Standard Visitor Visa, you will need to prove that you meet the following requirements:

• You intend to come to the UK for a short-term visit (a visit of less than six months).
• You intend to leave the UK at the end of your visit.
• You have sufficient funds to financially support yourself and your dependents (family members) for the duration of your visit.
• You can pay for your return or onward journey (and any other additional costs relating to your visit).
• You will not live in the UK by making frequent or successive visits to the country.

Please be aware that if your purpose for visiting the UK is related to studying, doing a placement, taking an exam, being an academic, senior doctor, dentist, or for medical reasons, there might be additional eligibility criteria that you need to fulfill . To ensure you have a clear understanding of the specific requirements you need to meet to apply for a UK Visitor Visa, get in touch to receive a free consultation with an expert immigration lawyer.

Genuine Visitor Requirement

The Home Office will assess your Visitor Visa application to ensure that they are satisfied that you are a genuine visitor. This means that they are satisfied that you:

Will leave the UK at the end of your visit.

Will not attempt to live in the UK for extended periods of time by making frequent or successive visits.

Are visiting the UK for a permitted reason and you will not engage in a prohibited activity.

Have sufficient funds to financially support your visit and pay for your onward travel.

Sufficient Funds Requirement

The Home Office does not outline a specific amount that you are required to show as proof of sufficient funds to adequately accommodate and maintain yourself (and any dependents) while in the UK. Nonetheless, border officials may enquire about the cost of your accommodation and request evidence that you have the funds available to cover the costs of visiting the UK. As part of their assessment they will take your ongoing financial commitments into consideration.

What can you do with a Visitor Visa?

If you are on a Visitor Visa, you will be allowed to engage in the following activities during your visit:

• Visit the UK for tourist purposes (i.e. you are on holiday).
• See family or friends.
• Volunteer for up to 30 days (with a registered charity).
• Pass through the UK to another country (i.e. you are ‘in transit’).
• Engage in certain business activities (e.g. attending an interview or meeting).
• Take part in a school exchange programme.
• Take part in a recreational course for up to 30 days (e.g. a dance course).
• Study , do a placement or sit an exam.
• Come to the UK as an academic , senior doctor or dentist.
• Come to the UK to receive private medical treatment .

What can’t you do with a Visitor Visa?

If you are on a Visitor Visa, you cannot engage in the following activities during your visit:

• Do paid or unpaid work for a UK company or as a self-employed person.
• Claim public funds in the UK.
• Attempt to live in the UK for long periods of time by making frequent or successive visits to the country.
• Get married or register a civil partnership or give notice of marriage or civil partnership. If you would like to carry out any of these activities while in the UK, you will need a Marriage Visitor Visa .

Schedule a free consultation

If you would like to know more about the UK Visitor Visa, or would like advice in relation to another UK visa, then please get in touch with us to speak to an expert immigration lawyer and claim your free consultation.

Please see our disclaimer for full information regarding consultation availability.

UK Visitor Visa Application Process

How to apply for a uk visitor visa.

When applying for a UK Visitor Visa, an online application must be submitted . If you are applying with relatives then it is important that each person has their own application and pays the respective application fee.

After submitting your application, you may be required to attend a biometric appointment at a visa application centre in the country where you will be visiting the UK from. During this biometric appointment, your fingerprints and photograph will be taken and you will also be required to submit your passport. It is worth noting that certain visa application centres offer the option to retain your passport for a fee.

Once you have attended your biometric appointment at a visa application centre, your application will be forwarded to UK Visas and Immigration for processing.

Supporting documents for a Standard Visitor Visa

As part of the Standard Visitor Visa application process, you will be required to show that you are a genuine visitor . To be able to demonstrate this and satisfy immigration officials you can provide supporting documents which show that:

• You are coming to the UK to do a permitted activity.
• You will leave the UK at the end of your visit.
• You can support yourself and any dependents during your visit.
• You can pay for your return or onward journey.

How much does a UK Visitor Visa cost?

The cost of a UK Visitor Visa starts at £115 for a Standard Visitor Visa. However, the cost of the Visitor Visa will vary depending on the duration of the visa, with longer-term visas incurring higher fees. Please see the table below for a full, updated breakdown of UK Visitor Visas (Correct at the time of writing - 4th October 2023).

How long does a UK Visitor Visa take to process?

After attending your appointment at a visa application centre (if applicable) it will take around 3 weeks for a decision to be made on your UK Visitor Visa application . Depending on availability, you may be able to pay to receive a ‘priority service’ where you will get a decision within 5 working days or a ‘super priority’ service where you will get a decision by the end of the next working day.

When can I apply for a UK Standard Visitor Visa?

If you need a UK Standard Visitor Visa, you must make an online application before you travel to the UK. The earliest you can apply for a Visitor Visa is 3 months before you travel to the UK.

How many days can you stay on a Standard Visitor Visa?

On a Standard Visitor Visa, you will be able to stay in the UK for up to 180 days (6 months) . During this time you will be able to come to the UK and engage in a range of permitted activities which include tourism and certain business activities. In limited circumstances, you may be able to apply to stay longer in the UK.

Extending the Standard Visitor Visa

The possibility of extending your Standard Visitor Visa is dependent on the duration of your stay in the UK. If your stay has been less than 6 months, you have the opportunity to apply for an extension. For example, if your initial UK Visitor visa granted you 3 months of leave, you can extend it by an additional 3 months.

However, it's important to note that extending a UK Visitor visa beyond a 6-month period is generally limited to specific circumstances , which include:

• You are a patient receiving medical treatment.
• You are an academic and you meet the eligibility requirements.
• You are a graduate who is retaking the Professional and Linguistic Assessment Board (PLAB) test or are doing a clinical attachment.

Why work with Paragon Law?

Securing a Visitor Visa for the UK can present challenges in certain situations. However, our team of immigration lawyers and solicitors possesses expertise in dealing with Visitor Visa applications. With their knowledge and experience, they are fully equipped to assist clients in navigating through any complexities that may arise, ensuring comprehensive support for all individuals, regardless of their circumstances.

Standard Visitor Visa Fees

Our fees reflect the service required and the complexities of the case. For a tailored quote please consult one of our immigration lawyers. As an immigration law firm, we offer our clients an initial consultation with an immigration lawyer in order to get more detail about your case.

Enquire now about the UK Visitor Visa

Our expert immigration lawyers are able to support you to make an application for a Standard Visitor Visa. To find out more about how we can help you, fill out the form below and one of our immigration advisors will get back to you shortly.

Frequently Asked Questions

Once you have attended a biometric appointment, you can typically expect to receive a decision within 3 weeks. Depending on availability, you may be able to pay to receive a ‘priority service’ where you will get a decision within 5 working days or a ‘super priority’ service where you will get a decision by the end of the next working day.

How long can I stay in the UK with a Standard Visitor Visa?

With a Standard Visitor Visa, you will be able to stay in the UK for up to 6 months. However, if you are coming to the UK to receive private medical treatment then you are able to stay in the UK for longer.

There is the possibility of applying for a long term standard visa which lasts two years, five years, and ten years. However, visa holders can only stay in the UK for a maximum of six months per visit.

Can I extend a Standard Visitor Visa?

Extending a Standard Visitor Visa is limited to very specific circumstances.

A standard six-month Visitor Visa costs £115. Whereas, a long-term Visitor Visa costs £400 for a two-year visa, £771 for a five-year visa, and £963 for a 10-year visitor visa.

- Correct at the time of writing (5th October 2023).

Student Visa

If you plan to enroll in an eligible program at an approved educational institution in the UK for a period exceeding six months, you may need a student visa, which will permit you to remain in the UK for up to five years.

Working in the UK

If you don't meet the eligibility criteria for the Visitor visa and wish to work in the UK, there are other work-related visas available that may better suit your requirements.

Youth Mobility Visa

If you are aged between 18 and 30 and are a national of an eligible country, then you may be able to apply for the Youth Mobility visa which will enable you to work and live in the UK for up to two years.

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Is There a UK Visitor Visa 180 Days Rule?

Anne morris.

• 11 January 2023

IN THIS SECTION

It’s a common misconception that overseas visitors can only spend up to 6 months in any 12-month period in the UK. That is not to say that a 180-day rule does not exist, it does, but only insofar as the maximum length of stay for each standard visit is limited to 6 months.

In this guide, we look at the so-called ‘UK visitor visa 180 days rule’, dispelling the myth that visitors cannot stay in the UK for more than 180 days in total in any given year.

What is the misconception when it comes to the 180-day rule?

The 180 day visitor rule is commonly misunderstood as meaning that any person who enters the UK with a visitor visa cannot stay more than 180 days in any single 12-month period. This common misconception has also taken the shape of the 6 month time-limit set out under the rules being misinterpreted as a rule that visitors can spend no more than 6 months out of any 12 months inside the UK. In reality, the ‘UK visitor visa 180 days rule’ does not exist in this way. For example, it is not the case that if an overseas national comes to the UK with a visitor visa and stays between January to May and, having returned to their home country, comes back to the UK under a new visa for a further stay in October of the same year, they would only be able to stay for an additional month. Similarly, if that same person initially came to the UK on a long-term visitor visa, spent 5 months in the UK and then sought to re-visit later in the year, it is not the case that they would only be allowed to stay for a further four weeks. As such, the 180-day rule is misconceived.

How long can visitors stay in the UK?

Under the UK’s Immigration Rules for visitors, or otherwise under immigration law in the UK, there is no such thing as the ‘UK visitor visa 180 days rule’. The true position, when it comes to a standard visitor visa, is as follows: for those seeking to visit the UK to undertake the activities as permitted under the rules, for example, for the purposes of tourism, visiting friends and family, or for short business trips, a visa will be granted for ‘up to 6 months’.

The maximum 6-month rule essentially means that an overseas national, when coming to the UK as a standard visitor to take a holiday, spend time with loved ones or to do business, will be able to stay for no more than 6 months at a time. In some cases, depending on the reason for their visit, a visa may only be granted for the time required for their specified purpose. However, with the grant of a new visa, or with a multiple entry visa valid over several years, there is no limit as to how long someone can spend in the UK during the course of any 12-month period, such as ‘6 months in 12’. This means that, at least in theory, an overseas national can leave the UK following a full 6-month visit, re-apply for a visa from overseas and subsequently return to the UK, even if this is just a few short weeks later.

Multiple entry rules for UK visitors

For regular visitors to the UK, it is possible to apply for a multiple-entry visa over 2, 5 or 10 years, where there is again no specified time limit over which a long-term visa-holder can spend in the UK in any given period — provided each visit does not exceed the maximum period for that stay, typically 6 months. As such, even though a multiple-entry visa will not allow an overseas national to come to the UK for more than 6 months at any one time, it will enable the visa-holder to enjoy multiple UK trips over prolonged periods. In this way, the visa-holder will not be required to re-apply for a visa every time they decide to visit the UK, but can use the same visa a number of times over its’ specified period of validity.

Equally, a standard visitor visa, provided that this is not endorsed as ‘single’ or ‘dual-entry’, can be used multiple times. This means that the visa-holder can depart and re-enter the UK as many times as they want within the visa’s validity period, up to a maximum of 6 months.

If a visitor holds a multiple-entry visa and they want to stay for longer than their visa expiry date, it is also possible for them to apply to extend their permission for up to the maximum 6 months permitted for standard visitors. For example, if a visitor arrives in the January and their long-term visitor visa is due to expire in the March, provided they continue to meet the visitor rules, they can extend for up to 6 months as a standard visitor, until the June.

An in-country application can also be made to extend a standard visa, so as to complete the full 6 months in the UK as a visitor where a shorter period has initially been granted, although an application must be made before the original permission expires.

What are the risks for visitors of multiple prolonged stays?

Under the visitor rules, provided each stay in the UK does not exceed the permitted length of stay endorsed on the visa, this does not, of itself, prevent a visitor from using their visa for multiple stays in quick succession. However, this is where the rules become tricky.

To be eligible for a visa, visitors must meet a genuine visitor requirement. Under this requirement, amongst other things, they must not use their visa to live in the UK for extended periods through frequent and successive visits, or make the UK their main home. As such, where a long-term visitor visa is used for multiple prolonged stays over a short timeframe, this may raise suspicions that the visa-holder’s intentions are not genuine.

In those cases where an individuals’ recent travel history reveals back-to-back visits, each one up to the maximum 6-month time limit, this is likely to be construed by immigration officials as a breach of the rules. This means that, on arrival in the UK, a visa-holder may be refused entry . They also run the risk of having their visitor visa curtailed , presenting potentially insurmountable difficulties when re-applying for entry clearance at a later date.

Equally, for those citizens of countries that qualify for visa-free travel to the UK, known as non-visa nationals, in circumstances where their travel history reveals excessive visits within a short space of time, they may also find themselves being refused entry on arrival. Having been refused entry, these individuals would be well-advised to apply for a visa in advance before seeking to re-enter the UK although, as with non-visa nationals subject to immigration control, any adverse immigration history may still work against them.

Ironically, therefore, the mythical 180-day rule can still be applied in practice. This is because visiting the UK for more than 180 days in a 12-month period could lead to a finding by both immigration officials at a UK port of entry, and Home Office caseworkers tasked with making a visa decision, that an individual is a non-genuine visitor.

Importantly, in the official Home Office ‘Visit guidance’ on how to assess if an applicant is making the UK their main home, caseworkers are advised to check a visitor’s travel history, including how long they are spending in the UK and how frequently they are returning. Specifically, caseworkers are advised to look at the number of visits made over the course of the past 12 months, including the length of stay on each occasion, the time elapsed since the last visit and if this amounts to them spending more time in the UK than in their home country. So whilst the ‘UK visitor visa 180 days rule’ is not in any way codified, adherents to this myth do tend to have less trouble being granted entry to the UK as visitors.

What are the immigration options for longer term stays?

Notwithstanding the potential risks for regular visitors to the UK around long-term visitor visas, provided this type of visa is not used excessively, they can still be an ideal way to visit the UK a number of times over several years. Importantly, if a person holds a multiple-entry visa, it is likely that their reasons for visiting the UK will differ over time and should not, of itself, cast any doubt on their genuineness and credibility. This is permissible, provided the via-holder continues to intend to undertake one or more of the permitted visitor activities.

However, for overseas nationals who would like a more reliable option for longer term stays, the type of visa potentially available will very much depend on the reason for them coming to the UK. Under the UK’s Immigration Rules, there are various long-term visa options for those looking to come to the UK to work, to study or to join immediate relatives.

There are various different work visas under the rules, each with their own route-specific requirements, such as having the offer of a job that meets the minimum skill and salary requirements from a UK-licensed sponsor for the skilled worker visa. There are also certain unsponsored longer term work routes, including the global talent visa and the graduate visa, plus the scale up visa, sponsored only for the first 6 months of work in the UK.

The conditions of stay and length of time granted under a work visa can vary, depending on the chosen route, although many work visas will provide the successful visa-holder with a path to settlement. This means that, provided the visa-holder meets a continuous residence requirement, they can eventually apply for indefinite leave to remain (ILR) in the UK.

Study visas

Even though a foreign visitor can study for up to 6 months in the UK under a long-term visitor visa, provided certain eligibility requirements are met, for overseas nationals looking to undertake a lengthy course of study in the UK, they will need a student visa .

An applicant can apply for a student visa to undertake a course of study in the UK if they have been offered a place on a course by a UK-licensed sponsor and have enough money to support themselves. The student visa-holder will then be permitted to stay in the UK for the full duration of their course. On successful completion of their studies, the visa-holder will also have the option of applying for an unsponsored graduate visa to look for work.

Family visas

There are various long-term family visas available to allow an overseas national to live with their immediate family in the UK, including a spouse visa, a visa for parents of children living in the UK and a visa for adult dependent relatives. These visas are specifically aimed at overseas nationals coming to live with someone already settled in the UK. As such, the successful visa-holder, provided they continue to meet the eligibility requirements, will eventually be able to apply for ILR to be able to settle in the UK themselves.

It is also possible for immediate relatives of overseas nationals to apply for a visa as the dependant of someone currently in the UK with permission as either a migrant worker or student. This may represent a more suitable long-term alternative to a visitor visa, allowing overseas couples and their children to live together in the UK until the permission of the primary visa-holder comes to an end and they are required to return to their home country.

Importantly, however, before deciding on the right visa, it is always best to seek expert immigration advice, exploring all available options to help decide which one works best.

180 day rule FAQs

Is the uk 180 day rule per visit or per year.

The 180-day rule for UK visitors applies per visit, not per year. Under the visitor rules, an overseas national can cumulatively stay for more than 180 days in any 12-month period over the course of two or more separate trips.

Can I leave the UK after 6 months and come back?

It is possible to stay in the UK for up to 6 months under a long-term visitor visa, and then depart and return shortly after, provided the visa is not being used to live in the UK for extended periods.

How many times can you visit UK in a year?

Under a multiple-entry visa, you can visit the UK several times over a 12-month period, limited to 6 months each stay, where the rule that a person cannot stay more than 180 days in any given year is a myth.

Can I leave and reenter UK on visitor visa?

You can leave and re-enter the UK under a multiple-entry visitor visa, although you must not use your visa to live in the UK for extended periods through frequent and successive visits, or to make the UK your main home.

Last updated: 11 January 2023

Founder and Managing Director Anne Morris is a fully qualified solicitor and trusted adviser to large corporates through to SMEs, providing strategic immigration and global mobility advice to support employers with UK operations to meet their workforce needs through corporate immigration.

She is a recognised by Legal 500 and Chambers as a legal expert and delivers Board-level advice on business migration and compliance risk management as well as overseeing the firm’s development of new client propositions and delivery of cost and time efficient processing of applications.

Anne is an active public speaker, immigration commentator , and immigration policy contributor and regularly hosts training sessions for employers and HR professionals

• Anne Morris https://www.davidsonmorris.com/author/anne/ Family Visa UK: Explore Ways to Apply
• Anne Morris https://www.davidsonmorris.com/author/anne/ Ukraine Refugee Aid in UK
• Anne Morris https://www.davidsonmorris.com/author/anne/ Understanding British Values
• Anne Morris https://www.davidsonmorris.com/author/anne/ Family Reunion and Immigration

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Visa Traveler

Exploring the world one country at a time

How much bank statement is required for UK visit visa

Updated: September 8, 2023

When it comes to how much bank statement is required for UK visit visa, there is a lot of confusion out there. Mainly because UKVI does not provide proper guidelines on bank statements. Not just on how many months of statements, but how much cash should you have, what kind of transactions are allowed, etc.

In this article, you will learn everything about bank statements for UK visit visa.

How much bank statement is required for UK visit visa?

You must submit 6 months of bank statements that clearly show your monthly salary and financial commitments. There must not be any large deposits of cash other than your salary. Total savings must be at least twice your proposed UK trip expenses.

After examining hundreds of UK visa refusal letters from my readers, I have figured that there are a few things that you must definitely satisfy in your bank statements. Let’s look at these in more depth.

BANK STATEMENT FOR UK VISA

The Entry Clearance Officers (ECOs) must make sure that the UK visit visa applicant has sufficient funds to support and maintain themselves for the entire duration of their stay in the UK. Bank statements work as evidence to prove that the applicant has sufficient funds. 

The ECOs pay close attention to the total cost of the trip, monthly income, monthly expenses and any other financial commitments such as mortgage, dependents, etc. They want to see that you are a genuine traveler, you will travel within your means and you will not exhaust all your savings.

The ECOs are primarily looking at the following criteria in your bank statements.

Let’s look at each of these criteria in detail. 

How much money per day do you need for UK visitor visa?

The UK is an expensive country. A hotel room would cost at least £50 per night. Food is about £10-20 per meal. Add transportation, entry tickets to attractions, shopping, etc. So, total expenses can range from £100-150 per day per person.

DAILY BUDGET REQUIREMENT £100-150 per day per person

This £100-150 per day per person is only for the visa. When you actually travel, you can minimize your daily expenses and spend a lot less than that.

How much do you need to earn to get a UK visitor visa?

UKVI does not provide guidance on acceptable monthly income. But, after going through hundreds of refusal letters, I figured that your monthly income must be at least half of your total UK trip expenses. 

INCOME REQUIREMENT Your monthly income must be at least half of your proposed total UK trip expenses

EXAMPLE: Say your proposed UK trip expenses excluding the airfare is £2,000. Your monthly income must be at least £1,000. Anything less than that can lead to ECO assuming that it’s not realistic for you to take this trip.

Make sure your monthly salary is directly deposited into your bank account. This results in a salary deposit transaction in your statements. This proves that you have a consistent monthly income.

If you are paid in cash or check, deposit the cash or check in your bank account on a specific date every month. You can withdraw again from your bank account for your expenses, but that consistent salary deposit every month must definitely be there in your bank account. 

How much do you need to save to get a UK visitor visa?

Apart from monthly net income, your monthly disposable income is also important. Monthly disposable income is basically your savings. If you save too little per month, that’s an indicator that a UK trip is not realistic for your financial situation.

SAVING/DISPOSABLE INCOME REQUIREMENT Your monthly savings/disposable income must be a good percentage of your net monthly income

EXAMPLE: Say your proposed UK trip expenses is £2,000. Your monthly net income is £1,000. Your monthly living expenses are £950. That means you can only save about £50 a month. Even if you have enough savings for your trip, your savings per month (£50) are too small. ECOs will assume that a UK trip is too expensive and not realistic for your financial situation.

How much bank balance do you need to show for UK visitor visa?

You must show that you have sufficient funds in your bank account. As a rule of thumb, you must have more than twice your proposed total UK trip expenses in your bank account. 

FUNDS REQUIREMENT Your funds must be more than twice your proposed total UK trip expenses

EXAMPLE: Say your proposed UK trip expenses excluding the airfare is £2,000. You must have at least £4,000 in your savings. Anything less than that can raise questions and lead to visa refusal.

Again, UK Visas and Immigration does not specify what is acceptable in terms of funds. So this is something I understood from referring to many visa refusal letters. 

What cash saving patterns ECOs are looking for?

You must show that your savings are continually growing and that too consistently. If they are not, then the ECO may assume that you might have borrowed the money to make it look like you saved it yourself. 

EXAMPLE: Say your salary is £2,000 per month. After all expenses, you save around £500 a month. Sometimes more, sometimes less, about usually around £500. You are saving continually but also consistently.

One more thing to keep in mind is that your savings must be large enough or at least a good percentage of your income.

What is funds parking and how to avoid it?

Funds parking refers to borrowing money from someone to show as if it’s your own money. ECOs suspect any large deposits in your bank account other than your salary as parked funds. 

EXAMPLE: Say your ending balance in your bank account has been £4,000 for the last 6 months. That means, your savings haven’t grown at all. This makes the ECO suspect that you might have borrowed money 6-7 months ago just to show that you have sufficient savings in your bank account.

If you had a large cash deposit from the sale of a property, investment, etc., you must provide documentary evidence to prove that it’s your money. 

Also, if you had unexpected expenses such as hospitalization, purchase of property, investment in stocks or fixed deposits, etc. you must explain them properly in your cover letter for UK visa as well. 

What to do if you DO NOT have sufficient funds? 

If you do not have sufficient funds for your UK trip, I suggest the following.

• Delay your trip until you have saved up enough. If you plan to travel to the UK next year, start saving up from now and you will have enough saved up by then.
• Shorten your trip to manage within the funds you have. If you plan to travel for 10 days, shorten it to 7 days or even 5 days. Try to cram in more sightseeing every day so you can manage your 10-day itinerary in just 5 days. 
• Lastly, use a sponsor to cover some of your expenses. Keep in mind that sponsorship from family members and immediate relatives can work well. Sponsorship from unrelated, distant relatives, friends, people who met on the internet, acquaintances, etc. will not work.

What to do if your salary is too low?

Should you put away your dream of traveling to the UK just because your salary is too low? Not really, but here are a few things you can do.

• Delay your trip until your salary goes up. Yearly salary hikes are common in most places. Or ask for a pay raise.
• Shorten your trip to manage within your salary limits. If your salary is £500, then plan to stay only 7 days, not more.
• Use a sponsor. As I mentioned above, sponsorships from family members or immediate relatives work well.

Why do you need 6 months of bank statements?

Bank statements are not just about how much cash you have in your bank. They tell a lot about your financial and personal circumstances. From your bank statements, ECOs can assess your sources of income, financial commitments and current lifestyle. 

This information is extremely important for ECOs to decide whether they can support themselves during their UK trip. At least 6 months of bank statements are necessary to assess this formation. 

If you lay down 6 months of bank statements in front of you, you can clearly see patterns such as your spending habits and saving goals. 

Keep in mind that these 6 months of bank statements must start from the latest and go backward 6 months. Let’s look at an example.

Say you are applying for your UK visa on 14 Nov 2021 and your latest statement was for October. You must submit statements from May to October. 

Does UK embassy verify bank statement?

If UKVI suspects fraudulent bank statements, they can contact the bank to verify the authenticity of the statements. They have built relationships with banks over time and can take the help of third-party agencies to verify such information.

Manipulating or providing fraudulent bank statements will lead to visa refusal and a permanent ban from entering the UK. 

Illegal migration and human trafficking are on the rise. Therefore, ECOs do their due diligence with visa applications. Document verification costs them money and time. There is a reason why the UK tourist visa is the most expensive and time-consuming visa process. 

Is online bank statement acceptable for UK visa?

Yes, online bank statements downloaded from the bank website are perfectly acceptable. Online bank statements are a norm in most countries these days. I assume UKVI has connections with major banks in the world either directly or through third-party agencies. If need be, they can make inquiries and verify the authenticity of your bank statements. 

A mere download of a list of transactions from your account will not work. Your online bank statements must include all the necessary information such as the bank name, bank address, bank phone numbers, full name, address, statement dates, transactions, balances, etc.

If any of the information is not included, you must request bank statements from the bank that include all necessary details.

Keep in mind that providing fraudulent bank statements will lead to a permanent ban from entering the UK.

Do bank statements need to be stamped for UK visa?

If you are applying from a country with high UK visa refusal rates, I advise providing certified bank statements. These are bank statements printed on the bank letterhead, stamped and signed by the bank authorities. Sometimes instead of signing and stamping, a cover letter signed by the head of the bank branch is provided.

Certified bank statements help to convince the ECO that your bank statements are authentic.

What if you have multiple bank accounts, one for salary and one for savings? 

If you have multiple bank accounts, you will have to submit 6 months of statements from each bank or account. If done incorrectly, this could lead to document bloat, which means the ECOs may overlook the most important bank statements. 

Try to use only one bank account for salary, expenses and savings. If you have to use two banks or accounts, mention this clearly in your cover letter so ECOs do not overlook important bank statements.

Do bank statements in foreign language need to be translated for UK visa?

Yes. If your bank statements are in a foreign language, you must provide a certified translation of them in English. If you have several pages of bank statements that need translating, it can get quite expensive. This is usually the case when downloading monthly statements from the bank’s website.

One way to handle this is to ask the bank to print the last 6 months of transactions as one statement. This will remove any repeated information such as bank address, etc. that usually appears on each monthly statement. This will reduce the bank statements to only a few pages. Translating and certifying these pages shouldn’t be that expensive.

Can you show joint account for UK visa?

A joint account is acceptable when both account holders are applying for UK visas together. The income and saving limits must also be doubled in that case. This is usually the case with couples, either both or one of them is earning. Either way, you must explain that your account is a joint account in your cover letter to avoid ECO making any decisions with partial information.

If only one account holder is applying for the visa, the ECO may assume that the applicant does not have sole access to the funds and may refuse the visa. Again, this is a tricky situation and must be clearly explained in the cover letter.

How to show bank statement if you are self-employed?

All the above rules apply to self-employed as well. Make sure to get paid from your clients directly in your bank account. If you earn cash, deposit your cash into your bank account first before using it for personal expenses. You can withdraw later for your expenses.

If you receive small cash several times a month, consolidate all the cash and deposit once a week or month. If you have multiple bank accounts, consolidate them too.

How to show bank statements if you are a business owner?

ECOs assume that business funds are for business purposes and not available for personal use. This is especially true if you are traveling to the UK on a personal holiday trip. Therefore, you must have a clear distinction between your business funds and personal cash. 

Make sure to separate your business and personal accounts. Pay yourself a monthly salary into your personal account. Maintain a consistent financial pattern in your personal account. As a business owner, you must submit your business bank statements and personal bank statements for your UK visa.

Alternatively, you can provide a letter from you or any other business partners that the business funds are available for your personal use. In this case, just your business bank statements are sufficient.

UKVI does not provide proper guidelines on how much bank statement is required for UK visit visa. After referring to hundreds of UK visa refusal letters, I figured that ECOs are looking for certain patterns in your bank statements. ECOs are primarily looking for your sources of income, spending habits, financial commitments and saving goals. These factors are essential for ECOs to decide whether you are a genuine visitor and have sufficient funds for your trip.

There you have it. Everything you need to know about bank statements for UK visit visa. If you have any questions, leave a comment below. I will answer them as soon as I can.

WRITTEN BY THIRUMAL MOTATI

Thirumal Motati is an expert in tourist visa matters. He has been traveling the world on tourist visas for more than a decade. With his expertise, he has obtained several tourist visas, including the most strenuous ones such as the US, UK, Canada, and Schengen, some of which were granted multiple times. He has also set foot inside US consulates on numerous occasions. Mr. Motati has uncovered the secrets to successful visa applications. His guidance has enabled countless individuals to obtain their visas and fulfill their travel dreams. His statements have been mentioned in publications like Yahoo, BBC, The Hindu, and Travel Zoo.

PLAN YOUR TRAVEL WITH VISA TRAVELER

I highly recommend using these websites to plan your trip. I use these websites myself to apply for my visas, book my flights and hotels and purchase my travel insurance.

01. Apply for your visa

Get a verifiable flight itinerary for your visa application from DummyTicket247 . DummyTicket247 is a flight search engine to search and book flight itineraries for visas instantly. These flight itineraries are guaranteed to be valid for 2 weeks and work for all visa applications.

02. Book your fight

Find the cheapest flight tickets using Skyscanner . Skyscanner includes all budget airlines and you are guaranteed to find the cheapest flight to your destination.

03. Book your hotel

Book your hotel from Booking.com . Booking.com has pretty much every hotel, hostel and guesthouse from every destination.

04. Get your onward ticket

If traveling on a one-way ticket, use BestOnwardTicket to get proof of onward ticket for just $12, valid for 48 hours.

05. Purchase your insurance

Purchase travel medical insurance for your trip from SafetyWing . Insurance from SafetyWing covers COVID-19 and also comes with a visa letter which you can use for your visas.

Need more? Check out my travel resources page  for the best websites to plan your trip.

LEGAL DISCLAIMER We are not affiliated with immigration, embassies or governments of any country. The content in this article is for educational and general informational purposes only, and shall not be understood or construed as, visa, immigration or legal advice. Your use of information provided in this article is solely at your own risk and you expressly agree not to rely upon any information contained in this article as a substitute for professional visa or immigration advice. Under no circumstance shall be held liable or responsible for any errors or omissions in this article or for any damage you may suffer in respect to any actions taken or not taken based on any or all of the information in this article. Please refer to our full disclaimer for further information.

AFFILIATE DISCLOSURE This post may contain affiliate links, which means we may receive a commission, at no extra cost to you, if you make a purchase through a link. Please refer to our full disclosure for further information.

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Money: '£2,000 landed in my account' - The people who say they're manifesting riches

We delve into the world of manifestation - but will a one-day course help our reporter land some extra cash and an engagement ring? Enjoy our weekend reads, and leave a comment, below, and we'll be back with all the latest personal finance and consumer news on Monday.

Saturday 27 April 2024 10:13, UK

Weekend Money

• '£2,000 landed in my account' - The people who say they're manifesting riches
• Iceland's new slogan and cash for grades: What our readers said this week
• Calculate how much your take-home pay will change this month with national insurance reduction
• Why are mortgage rates going up?

Best of the week

• The world of dark tourism - what is it, is it ethical and where can you go?
• Virgin Media customers share their bad experiences of customer service
• More Britons paying inheritance tax after chancellor freezes threshold - so how can you beat it?
• 'More important than a will': What are lasting power of attorneys and how much do they cost?
• 'I have a mortgage offer - will it change now rates are rising?'

Ask a question or make a comment

By Jess Sharp , Money team

My journey into the world of manifestation (the belief that you can attract success in your life through positive affirmations and visualisation) has taken me places I never thought I'd go.

Like woods in Edenbridge, where I stood meditating under a tree in the pouring rain. I don't yet know where my journey will end (I've been hoping for an engagement ring but my boyfriend hasn't yet seen my visualisations), but it started with a conversation with Jamie Greenlaw-Meek, one of many people who say manifestation has transformed their lives.

"About a year ago, there was something happening and I thought we just need two grand to cover the expense," Jamie, a former dancer from London, told me. "The following day £2,000 landed in my account."

It sounded like a coincidence to me, too.

But Jamie was adamant. His husband calls him "the master manifester" because of his "ability to bring in money".

"It's happened on so many occasions, like four, five times," he said. "I've become very clear on what I want and the amount of money I need and literally it can be within 24 hours that I get a phone call for a job and it's almost identical to what I asked for money-wise."

When I asked the now-psychic where the £2,000 actually came from, he said it was payment for a modelling job he had been offered.

"With manifesting you don't get caught up in the how, and often it comes in ways that you don't expect," he added, explaining it could come as the result of a claim after being in a car crash.

"It's not always coming in the way that you think but money is out there for us to take in the world. It's just having the confidence to receive it and we are worthy of it."

"Even if it is a placebo effect, does it matter?" he said.

The 43-year-old also believes he manifested his husband Fiongal after being diagnosed with cancer. While going through treatment and dating "a lot" of people, he decided to take matters into his own hands, or rather his own head, and started visualising his perfect partner.

"I decided to spend a good couple of weeks getting really, really, super clear in my mind what this person looked like. Then I started creating lists asking about personality traits, and all the things that I wanted that person to be," the former dancer said.

"The day I got the all clear from cancer I randomly met my husband and when I look at the list of the things I asked for, he pretty much ticks every single box. I really, really believe that is because I got super clear on what I wanted and I put that out to the universe to bring to me."

Jim Carrey and manifestation

If you think this is a new practice, it isn't. Jim Carrey was doing it back in the 90s. He famously wrote himself a $10m cheque for "acting services rendered" and dated it years in advance. Then in 1995, he was told he was going to make the exact amount for filming Dumb and Dumber.

The idea shot up in popularity again in 2006 after Rhonda Byrne published her self-help book The Secret.

Since then, it has hit every inch of the internet and has resurfaced on TikTok with videos posted under #manifesting accumulating a huge 13 billion views.

I tried to learn manifesting - I felt like an idiot

After hearing Jamie's story and seeing the idea was popular with so many people, I thought it best to try to learn manifestation myself. I mean, who wouldn't want money landing in their account and a work promotion from the universe?

As I stood in the woods, in the pouring rain, being told to imagine roots growing from the soles of my feet, I felt like an idiot.

I was soaking wet (of course I had forgotten a coat with a hood) and while my mind kept wandering through thoughts about being cold, if I'd hit traffic on the way home and how dirty my white trainers were getting, a gentle, soothing voice kept bringing me back to what I was supposed to be thinking about.

"How we are all connected, how the trees and plants produce oxygen that we breathe, and we breathe out carbon dioxide which they need to survive"

While some people focus their manifestation practices on being grateful to the universe, Tansy Jane Dowman believes we need to get "out of our heads, into our bodies", connect with nature and find our true selves before we can practice it successfully.

My meditation in the woods was just one part of a six-hour workshop run by Tansy, which aimed to send me off with a clearer vision of what I truly desired.

Tansy charges anywhere from £25 to £580 for her courses, which range from one-on-one sessions and an online six-week programme, to forest bathing workshops and weekend-long nature retreats.

But some courses have popped up online which cost more than £1,000.

Tansy started practising manifestation in 2018 after going through a difficult period in her life. She eventually quit her job in events management and started teaching others how to do it successfully.

"The way I manifest is not to focus on material wealth or gain. I would ask my clients what an abundant life means to them in terms of feelings, experiences, connections, people and places," she explained.

"The more authentic you are, the more of a beacon you become for those things to find you."

After spending time walking in the rain and meditating under a tree, Tansy and I sat in her dining room and explored some of the happiest moments in my life and the feelings I experienced. It became clear I like feeling accomplished, needed and excited.

We also spoke about challenging times, but the conversation focused on the positives, like how I had overcome them and what I had learned.

"It's so important to bring in your values with manifestation because sometimes we can get really confused with what we want, with social media especially," she told me.

Throughout her house, Tansy has a number of "abundance boards" proudly on display - some she has made with her children, others are from her annual January tradition of setting out her desires for the year.

"I've had some really wonderful goosebump things happen to me. I did a board at the beginning of 2020... I put a picture of a microphone on it. I just thought I really like that image and I didn't immediately place any meaning onto it," she said.

"Then as the world was shutting down for lockdown, I did a press event and I met a lady who worked for Wellbeing Radio and she wondered if I would be interested in trying out as a presenter."

She explained that some people will be very specific with their desires, like selecting a photo of the exact car they want, or the perfect house, but that isn't how manifestation works. There needs to be an element of trust in the universe giving them what they attract.

As we created my abundance board, which Tansy describes as being like a "personal algorithm", she told me to select images and words from heaps of magazines that called to me intuitively.

As you can see from the picture below, mine calls for being "financially fabulous", travelling, getting engaged (coughs loudly in earshot of boyfriend) and living stress-free.

And while I'd love a big cash injection, Tansy explained to me that money is "only a stepping stone to a feeling" and, ultimately, I'm aiming to create an emotion with it.

Manifesters more likely to go bankrupt

While all the manifestation believers I spoke to said there was no downside to the practice, a researcher has been looking into whether it really does pay off.

Based in Australia, Dr Lucas Dixon (who specialises in consumer psychology) created a scale from one to seven to rank a person's strength of belief and found those who practice it are more likely to have been victims of fraud and declared bankruptcy.

He said there was a "danger" that manifesting could become harmful if taken to an extreme level.

He found those who believe in manifesting tend to think more positively and have a confident attitude when it comes to success, and while that can be helpful in business, it can also cause them to take unnecessary risks.

"They weren't more objectively successful in terms of having higher income or higher education attainment," he said.

"We also found that they are more likely to believe in get-rich-quick schemes, more likely to take higher risks... to have risky financial investments and more likely to have investments in cryptocurrency rather than traditional stock."

Using the scale he created, Dr Dixon found those who have "very strong beliefs", ranking at a seven, were 40% more likely to have gone bankrupt.

"The danger comes in a couple of different forms," he said, explaining that a "worst case scenario" could see people getting into financial difficulty by being encouraged to "just look at the positives".

"Someone might say it's not harmful because it is really just thinking positively but I think even that can be harmful because of what you might call an opportunity cost," he said.

"You're spending time, energy and money doing something that doesn't have a lot of evidence behind it. We found it does make you feel good but you don't need to pay thousands to do it."

Okay, so back to me...

I did my manifestation course about two months ago, and I have done as I was instructed - my abundance board is up in sight inside the flat, and I often have a cup of coffee in front of it.

But, so far I'm still using a credit card, the most travelling I've done has been to work and back and there is still no rock on my finger. I have been given an annual pay rise, though, and would say I am less stressed.

Perhaps believing that I'm just doing my best and there's a chance that I'll be rewarded for that one day, eventually, in the future, maybe, is making me feel better... who knows?

Each week, Money blog readers share their thoughts on the subjects we've been covering, and over the last seven days your correspondence has been dominated by these topics...

• Iceland's new slogan
• Rising mortgage rates
• Giving kids cash for grades

Iceland's new catchphrase

We learnt on Monday that Iceland had dropped its tagline "That's why mums go to Iceland", replacing it with "That's why we go to Iceland".

The move was made to reflect the store is for everybody, said brand ambassador Josie Gibson. Readers were split - with some feeling so strongly that they're prepared, they suggest, to sacrifice those frozen Greggs steak bakes forever...

I previously contacted Iceland about their slogan because I didn't think it did single dads justice, as dads can go to Iceland too. Their response was that people understood that it's not just mums that go to Iceland. It's about time they changed the message. Dave T  

Neither I, my wife or my children will shop in Iceland again due to this stupidness and woke attitude. To hell with you [Iceland boss] Richard Walker. John  

Banks hike mortgage rates

This week we reported that high street lenders such as Halifax, TSB, NatWest, Barclays, Leeds Building Society, HSBC and Coventry had all hiked mortgage rates (see 7.33 post for details). 

You said...

With house prices at already extortionate levels, now mortgage rates rising again, is there any hope for first-time buyers? Honestly, the situation is so bleak, people may need to consider other countries. GenZ 

Why would this happen? So many young couples struggling to get on the property ladder. I live in Dorset - a one-bedroom flat costs from £230,000. In Scotland, one can get a beautiful two-bed house for that price. Feel sorry for all couples living down in the South. Need huge deposits. Barbs

Why are they called high-street banks? Most banks in my town have closed. Martin J

Parents offering cash for good grades

A lot of views came in after our feature exploring the positives and negatives of parents incentivising good school grades with cash...

We had scores of comments on this - with a fairly even split...

We did it for our son at GCSE time. We think it made a difference of about a grade on most subjects. Got a two-grade lift on maths. Cost us £350. Thought it was good value as it has taught him how things work in the world. Andy

The whole world is built on a reward system which symbolises access to money commensurate with effort and excellence. The Nobel prize goes with a cash reward! Tom Deggs

Employees are offered incentives for achieving targets, so why not offer kids incentives for better grades? Claire228 

But others had concerns...

I think it puts too much pressure on kids who are under enough pressure at exam time. Parents should encourage their kids to do the best they can, not add to their stress levels. Emma

Children should value their education without it being monetised. My parents expected my brother and I to have the motivation, maturity and self-discipline to work hard for our GCSEs. We both achieved all As and A*s. Eliza 

When I was at school, from 1964-83, my parents never gave me money for good exam results, because "I should want to do well for myself". No matter what my grades were, they said that they would be proud of me if I had tried my best. Cash kills self-motivation. Nicola B 

National insurance was cut this month, for the second time this year, from 10% to 8% on employee earnings between £12,570 and £50,270.

The change, announced by the chancellor in his March budget, impacts around 27 million payroll employees across the UK - starting this pay day.

The cut is worth almost £250 to someone earning £25,000 a year and almost £750 for those earning £50,000

Use our tool below for a rough guide to what tax changes can be expected for most people, as there are other variables not included which might affect how much tax you pay including being in receipt of the blind person's allowance or the marriage allowance. It also assumes you are not self-employed and are under pension age...

There are also national insurance cuts for the self-employed. This includes the scrapping of Class 2 contributions, as well as a reduction of the rate of Class 4 contributions from 9% to 6% for the £12,570 to £50,270 earnings bracket.

These will impact nearly two million self-employed people, according to the Treasury.

While many campaigners welcomed the national insurance announcement last month, they pointed out that the tax burden remains at record high levels for Britons - thanks in part to the threshold at which people start paying income tax being frozen, rather than rising with inflation.

The money story of the week has been mortgage rates - with a host of major lenders announcing hikes amid fears the Bank of England may delay interest rate cuts.

Swap rates - which dictate how much it costs to lend money - have risen on the back of higher than expected US inflation data, and concerns this could delay interest rate cuts there. 

US trends often materialise elsewhere - though many economists are still expecting a base rate cut from 5.25% to 5% in the UK in June.

The reliable Bloomberg reported this week: "Still, while some economists have since scaled back their predictions for BOE cuts, most haven't changed expectations for a summer move.

"Analysts at Morgan Stanley, Goldman Sachs Group, Capital Economics and Bloomberg Economics are all among those still anticipating a shift toward easing in June."

The publication also quoted Sanjay Raja, chief UK economist at Deutsche Bank, as saying: "Markets have superimposed the US cycle on the UK, but the US and UK are on very different tracks.

"The UK is coming out of technical recession. Inflation is falling more convincingly. Pay settlements are following inflation expectations. And crucially, real policy rates in the UK will be higher than in the US."

None of this reassurance changes the fact that financial markets, which dictate swap rates, are pricing in delays.

This week's hikes came from Halifax, BM Solutions, TSB, NatWest, Virgin, Barclays, Accord, Leeds Building Society, HSBC and Coventry.

This is what average mortgage rates looked like as of Thursday...

The next Bank of England decision on rates comes on 9 May - and pretty much no one is expecting a cut from the 16-year high of 5.25% at that stage.

The Money blog is your place for consumer news, economic analysis and everything you need to know about the cost of living - bookmark news.sky.com/money.

It runs with live updates every weekday - while on Saturdays we scale back and offer you a selection of weekend reads.

Check them out this morning and we'll be back on Monday with rolling news and features.

The Money team is Emily Mee, Bhvishya Patel, Jess Sharp, Katie Williams, Brad Young and Ollie Cooper, with sub-editing by Isobel Souster. The blog is edited by Jimmy Rice.

The family home where Captain Sir Tom Moore walked 100 laps to raise nearly £40m for the NHS during the first COVID lockdown is up for sale for £2.25m.

The Grade II-listed Old Rectory is described as a "magnificent seven-bedroom property" by estate agents Fine & Country.

In a video tour of the house, a sculpture of Captain Tom with his walking frame can be seen in the hallway, while a photo of the fundraising hero being knighted by the Queen is on a wall in the separate coach house building.

Introducing the property, an estate agent says in the tour video: "I'm sure you'll recognise this iconic and very famous driveway behind me as it was home to the late Captain Sir Tom Moore who walked 100 laps of his garden, raising over £37m for NHS charities."

It comes less than three months after the demolition of an unauthorised spa pool block in the grounds of the property in Marston Moretaine, Bedfordshire.

Speaking at an appeal hearing over that spa, Scott Stemp, representing Captain Tom's daughter Hannah Ingram-Moore and her husband, said the foundation named after the fundraising hero "is to be closed down" following a Charity Commission probe launched amid concerns about its management.

For the full story, click here ...

"Status symbol" pets are being given up by owners who get scared as they grow up, an animal charity has said, with the cost of living possibly paying a part in a rise in separations.

The Exotic Pet Refuge, which homes parrots, monkeys, snakes and alligators among others, says it receives referrals across the country, including from zoos and the RSPCA.

"They're a status symbol. People will say, 'OK, I'll have an alligator or a 10ft boa constrictor'," co-owner Pam Mansfield told the BBC.

"But when the animal gets big, they will get too frightened to handle them, and then the pet has to go."

She added people who want to get rid of the pets sometimes call zoos for help, which then call on her charity.

In some cases, owners don't have licences to own dangerous animals, she says, blaming a "lack of understanding" for what she says is a rise in the number of exotic animals needing to be rehomed.

She says people "just don't have the space" for some snakes, for example, with some growing to as much as 12ft and needing their own room.

The cost of living crisis has also forced owners to give their pets away, she says.

Her charity has also been affected by those increased costs, with the electricity bill rising to £10,000 a month at their highest, to fund things like heated pools for alligators.

Private car parks are accused of "confusing drivers" after introducing a new code of conduct - despite "doing all they can" to prevent an official government version.

The code of practice launched by two industry bodies - British Parking Association and the International Parking Community - includes a ten-minute grace period for motorists to leave a car park after the parking period they paid for ends.

It also features requirements for consistent signage, a single set of rules for operators on private land and an "appeals charter".

Private parking businesses have been accused of using misleading and confusing signs, aggressive debt collection and unreasonable fees.

That comes after a government-backed code of conduct was withdrawn in June 2022, after a legal challenges by parking companies.

RAC head of policy Simon Williams said: "We're flabbergasted that the BPA and the IPC have suddenly announced plans to introduce their own private parking code after doing all they can over the last five years to prevent the official government code created by an act of Parliament coming into force.

"While there are clearly some positive elements to what the private parking industry is proposing, it conveniently avoids some of the biggest issues around caps on penalty charges and debt recovery fees which badly need to be addressed to prevent drivers being taken advantage of."

BPA chief executive Andrew Pester said: "This is a crucial milestone as we work closely with government, consumer bodies and others to deliver fairer and more consistent parking standards for motorists."

IPC chief executive Will Hurley said: "The single code will benefit all compliant motorists and will present clear consequences for those who decide to break the rules."

Sky News has learnt the owner of Superdry's flagship store is weighing up a legal challenge to a rescue plan launched by the struggling fashion retailer.

M&G, the London-listed asset manager, has engaged lawyers from Hogan Lovells to scrutinise the restructuring plan.

The move by M&G, which owns the fashion retailer's 32,000 square foot Oxford Street store, will not necessarily result in a formal legal challenge - but sources say it's possible.

Read City editor Mark Kleinman 's story here...

NatWest says its mortgage lending nearly halved at the start of the year as it retreated from parts of the market when competition among lenders stepped up.

New mortgage lending totalled £5.2bn in the first three months of 2024, the banking group has revealed, down from £9.9bn the previous year.

The group, which includes Royal Bank of Scotland and Coutts, also reported an operating pre-tax profit of £1.3bn for the first quarter, down 27% from £1.8bn the previous year.

An unexplained flow of British luxury cars into states neighbouring Russia continued into February, new data shows.

About £26m worth of British cars were exported to Azerbaijan, making the former Soviet country the 17th biggest destination for UK cars - bigger than long-established export markets such as Ireland, Portugal and Qatar.

Azerbaijan's ascent has coincided almost to the month with the imposition of sanctions on the export of cars to Russia.

Read the rest of economics and data editor Ed Conway 's analysis here...

Rishi Sunak has hailed the arrival of pay day with a reminder his government's additional National Insurance tax cut kicks in this month for the first time.

At last month's budget, the chancellor announced NI will be cut by a further 2p - so some workers will pay 8% of their earnings instead of the 12% if was before autumn.

The prime minister has repeated his claim this will be worth £900 for someone on the average UK salary.

While this additional cut - on top of the previous 2p cut in January - does equate to £900 for those on average full-time earnings of £35,000, there are two key issues with Mr Sunak's claim:

• Once the effect of all income tax changes since 2021 are taken into account, the Institute for Fiscal Studies reports an average earner will benefit from a tax cut of £340 - far less than £900;
• Moreover, anyone earning less than £26,000 or between £55,000-£131,000 will ultimately be worse off.

In short, this is because NI cuts are more than offset by other tax rises.

We explain below how this is the case...

Tax thresholds

This is partly down to tax thresholds - the amount you are allowed to earn before you start paying tax (and national insurance) and before you start paying the higher rate of tax - will remain frozen. 

This means people end up paying more tax than they otherwise would, when their pay rises with inflation but the thresholds don't keep up. 

This phenomenon is known as "fiscal drag" and it's often called a stealth tax because it's not as noticeable immediately in your pay packet.

That low threshold of £12,570 has been in place since April 2021. 

The Office for Budget Responsibility says if it had increased with inflation it would be set at £15,220 for 2024/25.

If that were the case, workers could earn an extra £2,650 tax-free each year.

Less give, more take

Sky News analysis shows someone on £16,000 a year will pay £607 more in total - equivalent to more than three months of average household spending on food. 

Their income level means national insurance savings are limited but they are paying 20% in income tax on an additional £2,650 of earnings.

In its analysis , the IFS states: "In aggregate the NICs cuts just serve to give back a portion of the money that is being taken away through other income tax and NICs changes - in particular, multi-year freezes to tax thresholds at a time of high inflation."

Overall, according to the institute, for every £1 given back to workers by the National Insurance cuts, £1.30 will have been taken away due to threshold changes between 2021 and 2024.

This rises to £1.90 in 2027.

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• Entering and staying in the UK
• Visas and entry clearance

eVisa rollout begins with immigration documents replaced by 2025

Millions are being invited to switch from physical immigration documents to an eVisa – a key step in creating a modernised and digital border.

Photo: Getty Images

The next stage in the government’s plan to modernise the border and introduce a digital immigration system is under way, as the Home Office moves closer to the implementation of eVisas for nearly all visa holders living in the UK by 2025.

From today (17 April 2024), the Home Office will begin to send emails to all those with physical immigration documents, called biometric residence permits (BRPs), inviting them to create a UK Visas and Immigration ( UKVI ) account to access their eVisa, a digital proof of their immigration status.

Invitations will be issued in phases before the process opens to all BRP holders in summer 2024.

eVisas are central to making the UK safer by reducing the risk of fraud, loss and abuse of physical documents, strengthening border security, and providing a more secure way to prove immigration status. This will pave the way for increased automation to deliver the government’s vision for a contactless border.

It is free and straightforward for customers who hold physical and paper documents to create a UKVI account to access their eVisa. Creating a UKVI account will not change, impact or remove customers’ current immigration status or their rights in the UK.

Minister for Legal Migration and the Border, Tom Pursglove MP, said:  

We’ve already taken really significant steps to digitally transform the border and immigration system, and this wider rollout of eVisas is a key part of that process.  Replacing physical immigration documents with eVisas will ensure firm control over who comes here to live, work or study, strengthening border security and preventing abuse of the immigration system, while delivering cost savings for UK taxpayers.

eVisas bring substantial benefits to the UK public and to visa customers. They are secure, and, unlike a physical document, cannot be lost, stolen or tampered with. They can be accessed anywhere and in real time, putting customers in control of their own data and allowing them to swiftly update the Home Office with new contact or passport details.

An eVisa is securely linked with the holder’s unique biometric information in the same way as a BRP or BRC , to protect against identity fraud.

People checking immigration status will be able to conduct one quick and simple check using a secure online service on GOV.UK. Selected public bodies are already able to access immigration status to determine eligibility for public services automatically through system to system checks.

eVisas are tried and tested, with millions of customers already using them across routes including the EU Settlement Scheme ( EUSS ). Most physical documents, such as biometric residence permits or cards (BRPs or BRCs), are being gradually phased out, with most BRPs expiring at the end of 2024.

This move to eVisas is in line with other countries which have replaced, or are planning to replace, their physical immigration documents with digital forms of immigration status.

Customers who already have an eVisa do not need to do anything as we make this change, but should continue to update their UKVI account with any changes to personal information, such as a new passport or contact details. Customers should continue to carry their in-date physical immigration documents with them when they travel internationally, until they expire.

Physical immigration documents will be gradually phased out by 2025, as we transition to a fully digital border and immigration system for new and existing customers. This will deliver enhanced security and cost savings for the UK public and greater convenience for customers and status checkers. 

Customers who already have an eVisa should tell the Home Office about any passport on which they intend to travel using the online Update your UK Visas and Immigration account details service on GOV.UK, if this is not already linked to their account, to avoid delays when travelling.

As part of the wider transformation of the UK border and immigration system, the government has already introduced the Electronic Travel Authorisation ( ETA ) scheme. ETA is a digital permission to travel to the UK for those wanting to visit but who do not need a visa. It gives the government greater ability to screen travellers in advance of travel and prevent those who pose a threat from coming here.

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