Do I have to keep the entire living expenses amount for the whole one year period or just until I get my visa in UK?
You do not need to hold the full amount for a whole year. UK Visas and Immigration requires your funds to sit untouched for 28 consecutive days, ending no more than 31 days before you submit your visa application; after submission you are free to use the money.
You do not need to keep your entire living expenses locked away for the full one year period or until your visa is stamped. What matters to UK Visas and Immigration (UKVI) is a specific 28-day window right before you apply, after which you are free to use your funds.
The 28 Day Fund Rule At A Glance
| Requirement | Detail |
|---|---|
| Holding period | Funds (tuition + living costs) must sit continuously in your account for at least 28 consecutive days |
| Zero-dip rule | Your balance must never fall below the required total during those 28 days, even for one day |
| Application window | The 28-day period must end no more than 31 days before you submit and pay for your visa application |
| After submission | Once your application is submitted, you can use the funds; you do not need to maintain the balance while awaiting the decision |
Steps To Stay Safe With The Rule
- Check your bank statement closing date lines up within 31 days of your planned application date
- Do not withdraw or spend the money until your application is fully submitted and paid for
- If your application is delayed or rejected and you need to reapply, plan to satisfy the full 28-day holding period again from scratch
My Advice
Set a calendar reminder for day 28 of your holding period and submit your visa application within the following few days rather than waiting until day 30 or 31, since any delay on your end can force you to restart the entire holding period. Keep the account untouched and avoid any transfers in or out until your application confirmation comes through.
How much will a month in the UK cost you?
Rent, food and travel. A real monthly budget, city by city.
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