Proof of Funds
Real money, yours, consistent, explained.
How visa officers read your bank statement — and how to present money that holds up to scrutiny. Sponsorship, multiple accounts, cash deposits, borrowed money, and the patterns that get Nigerians refused.
Borrowed Money as Proof of Funds — Why It Gets Nigerians Refused
No. Borrowed money parked in your account reads as manufactured funds — one of the leading refusal reasons for Nigerians. Here's why it fails, and what to do instead.
Can I Combine Two Bank Accounts for Proof of Funds?
Yes — you can submit multiple bank statements for a visa. But more accounts isn't automatically better. Here's when two accounts help, and when they get you refused.
Can I Explain Cash Deposits to a Visa Officer?
Yes — if the deposit is real and explainable. Unexplained round-number cash deposits are one of the top refusal red flags. Here's what counts as explainable, and how to document it.
Can I Use My Father's Bank Account for a UK Visa?
No — not by showing his statement as if it's yours. If your father is funding you, present it as sponsorship, not as your money. Here's how to do it properly.
How to Read Your Bank Statement Like a Visa Officer
You're the worst person to read your own bank statement — you already know what every transaction means. The officer doesn't. Here's the five-question self-audit that catches what they will.