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The short answer
For a UK Student visa from Nigeria, you must show your unpaid first-year fees plus living costs of £1,529 a month in London or £1,171 a month elsewhere, for up to nine months. The money must sit in the account for 28 consecutive days, never dipping below the required amount, and the 28-day period must end within 31 days of your application.
How much you need to show
GOV.UK sets two parts to the money requirement. First, your course fees for one academic year (up to nine months), as shown on your Confirmation of Acceptance for Studies (CAS), less anything already paid. Second, living costs:
| Where you will study | Living costs per month | Months required (max) |
|---|---|---|
| London (City of London and the 32 boroughs) | £1,529 | 9 |
| Outside London | £1,171 | 9 |
Nigeria is not on the list of countries that can skip submitting financial evidence, so Nigerian applicants should expect to provide it. The University of Westminster notes a planned increase for London from 30 November; always check the GOV.UK figure on the day you apply.
The 28-day rule, step by step
- The full amount must be held for 28 consecutive days.
- The balance must not drop below the required amount for even one day in that period. Westminster's guidance is blunt: a single day below the line means refusal.
- The 28-day period must end within 31 days of your application date. GOV.UK's example: for an application on 1 January, the funds must be in your account for the 28 days ending on 1 December or later.
- The application date is usually the day you submit and pay online, not your visa centre appointment.
What the bank evidence must contain
Westminster summarises what UKVI normally expects from a bank record:
- Official stationery or an electronic record, printed or electronic, not handwritten.
- The account holder's name.
- The account number.
- The statement date.
- Information about the bank, such as contact details or a branch code.
A bank letter instead of a statement must confirm the balance and how long it has been held, on headed paper and signed by a bank official. Funds in naira are converted using the OANDA converter. Overdrafts, credit cards, shares, bonds and business accounts do not count, and neither do institutions that UKVI cannot verify or that do not keep electronic records.
Using your parents' money
Funds can be in a parent's personal account or a joint account. You then need a letter from your parent or parents confirming you are their child and consenting to the use of the funds, your birth certificate showing their names, and their financial documents. A parent's business account is not accepted. Money from aunts, uncles or other relatives must first be moved into your own account.
Worked example: checking the dates
Example only. Tunde will study outside London. His CAS shows £6,000 still owed in fees. Living costs are £1,171 × 9 = £10,539, so he needs £16,539 (or the naira equivalent on OANDA on his statement date).
| Date (example) | What happens |
|---|---|
| 3 March | Parents move the full sum into their account |
| 31 March | 28th consecutive day above the required amount |
| 2 April | Statement printed, closing balance date 31 March |
| 20 April | Tunde submits and pays online (within 31 days of 31 March) |
If his father had paid a ₦400,000 bill from that account on 15 March and the balance dipped below the line, the 28 days would restart. Keep a buffer above the minimum to absorb exchange-rate moves and bank charges.
Fees paid, deposits and other evidence
Money you have already paid towards fees reduces what you must show, as long as it appears on your CAS. Westminster also notes that payments for university-owned halls confirmed on the CAS can reduce the living-cost amount by up to one month's figure; payments to private landlords do not count. Living with relatives does not reduce the amount.
Other evidence has its own timing rules. A certificate of deposit must be issued no more than 31 days before you apply, with at least 28 days between the deposit and the issue date. An official loan letter must not be dated more than six months before the application. Translations are needed for documents not in English, including a birth certificate used to prove your link to a parent.
Plan the timeline backwards from your intended submission date. Move the money at least five weeks ahead, print the statement after day 28, and submit within the 31-day window. If your CAS changes because you pay more fees, ask the university to update it before you calculate.
Common mistakes Nigerian applicants make
- Holding the money for 27 days, or counting from the wrong date.
- A statement older than 31 days by the time of application.
- Funds in a relative's account who is not a parent.
- Using the parent's company account.
- Forgetting the consent letter or birth certificate.
- Relying on a statement from a bank that does not keep electronic records UKVI can check.
Where Pryme fits
You can generate a regular or a verifiable statement for a Pryme account in the app. Through Pryme's partnership with VerifyDoc.ai, a verifiable statement can be checked by whoever receives it, such as your university's admissions team, to confirm it is genuine and unaltered. UKVI has its own rules about which institutions and records it accepts, and nothing on this page is a claim that UKVI accepts any particular provider; confirm with your university's international office before relying on any account. For fees paid from abroad, see paying school fees across borders and our UK visitor visa guide. Holding pounds directly is explained on multicurrency.
Questions people ask
How much is proof of funds for UK student visa from Nigeria?
Your unpaid first-year fees plus £1,529 a month in London or £1,171 a month elsewhere, for up to nine months, per GOV.UK. Check the page on the day you apply.
What is the 28-day rule for UK student visa?
The required money must stay in the account for 28 consecutive days without dropping below the amount, and that period must end within 31 days of your application.
Can my uncle sponsor my UK student visa?
His money cannot be used from his own account. Only parents' accounts are allowed with consent, so other relatives' funds must be moved into your own account first.
Does the money have to be in pounds?
No. Naira balances are converted using the OANDA rate, so keep a buffer in case the rate moves.
Sources
- Student visa: money you need (GOV.UK) · accessed Oct 2026
- Financial requirements and the 28-day rule (University of Westminster) · accessed Oct 2026
This article is general information, not financial, legal or tax advice. Products described are provided under the terms on this site and are subject to regulation and eligibility.