Proof of funds: how much you really need, country by country

“Proof of funds” causes more visa refusals than almost anything else — usually not because the student lacks money, but because the evidence is wrong. Here are the current figures and the traps.

The figures (2026)

• United Kingdom: 9 months of living costs — £1,529/month (London) or £1,171/month (outside London) — plus unpaid tuition, held for 28 consecutive days.
• Germany: a blocked account of €11,904 (€992/month), released monthly after arrival.
• Ireland: around €10,000 for first-year living for visa-required applicants, plus proof you’ve paid at least €6,000 of fees.
• France: about €615/month (≈ €7,380/year) plus tuition.
• Finland: €800/month (€9,600/year).
• Poland: roughly €6,000/year living, plus tuition and insurance.
• New Zealand: NZ$20,000/year living, plus tuition and a return airfare.

The traps that cause refusals

The 28-day rule (UK): the balance must sit untouched for 28 straight days, and the closing statement must be recent. Sudden large deposits without explanation raise questions. Using a parent’s account requires the right consent letters and relationship evidence. And every figure must match what your CAS or offer states.

How we prevent them

We calculate your exact figure, tell you when the 28-day clock should start, and assemble a documentation pack that pre-empts the common objections. Rules change, so we confirm the current numbers for your specific case before you submit.

Frequently asked