A lot of people make the mistake of making deposits into their bank accounts prior to visa application; this action is called "Money Lodgement" which is an express ground for visa refusal: Do not naively commit this violation (by depositing lump sums of money into an account which apparently stands in isolation) for presentation purpose.
Such account does not meet the requirement of an acceptable bank statement so, applying for a visa with it will only give you a definite result, REFUSAL.

This is how it works; An acceptable bank statement must have up to six months transaction records demonstrating your income (from verifiable sources) and expenditures, and it must have good enough fund to sustain your trip and intentions, and also; it must have enough balance to keep you going after the trip: preferably, a Current account, Savings account, Salary or Wages account:
Importantly, you must be able to satisfy your Visa Officer that you have somewhat of an obligation or home tie to return to Nigeria for.
I regret to say that until your bank statements meet the standard format as explained, you will continue to get refused no matter how many times you applied or how much money you have in your accounts

For those considering the use of sponsor, be aware that there are very few circumstances in which it may be considerable for an adult applicant to use a sponsor, such sponsor may be a Spouse (especially for Family Reunion) or Parents/Guidians (especially for Education or for medical reasons) etc. But if you are considering the use of a Company's account, that would be unacceptable (even if you own the company). For a company's sponsorship to be acceptable, you would need to be applying for a training or a course, or a seminar etc that would be deemed profitable to your company in order to satisfy the visa officer of the purpose otherwise, it would be judged that the money in the company's account is not available for your use: unless your company is offering you a complimentary vacation under its care.
And as an adult, you are supposed to be financially independent to meet the requirement for a tourist or pleasure visa; for example, you can't be sponsored by anyone if your intended travel is for the purpose of tourism or romance rather than official or compelling family visit (no sponsor's bank account can cover you except in compelling limited circumstances whereby it is deemed reasonable for his sponsorship to be considered).
*A presentable account has to meet the requirements and the formation of the bank statement that is acceptable as explained in the bolded part of the above paragraph.

It it extremely important to make your visa application early in order to give the embassy enough time to process your application: many people are refused for reason of insufficient time: There is always a general warning that visa applicants should give plenty of time to process applications as delays may occur due to uncertainties and circumstances beyond their control, and in the event that your application is decided after the purpose of your intended trip has expired or is in a tight situation, your visa application may be refused for reason of "change of circumstance".

I decided to add this (my earlier) post since it continues to happen that many people still find themselves in this unfortunate situation, and I thought i should lay emphasis to save people's money.
This informational advice is for country-men and women who continue to bin their thousands of Naira attempting to obtain the UK or the US visas while being unaware that they are under a ban for ten years or for life respectively.
Have you ever been refused a UK visa on the basis of fraudulent, fake, or misleading documents or even serious sensitive misinformation? If so, then apply for a UK visa no more, keep your application fees and try for other countries.
If you committed this act before the 10 years ban came into effect, as long as your finger-prints were taken, you would get the ban on your next visa application: only those who committed it before finger-print era are free from this merciless punishment
It is unfortunate that, except you take measures, you might not be able to find out whether you carry the ten years ban based on fraudulent or misleading documents presentation or, false declaration; this is the unfair method that the UK embassy uses to punish individuals who had attempted to use fake or misleading documents to obtain their visa: they allow them to re-apply unaware of the ban while they extract the visa application fee from the unsuspecting applicants.
If you are unsure of your ban/no-ban status, you are entitled to the rights of knowing your eligibility for the UK visa after refusal and the staff are obliged to let you know it. But however, if you wish to make subsequent application, you can inquire before making your payment: ask them to inform you of your status before paying the visa fee, it is their duty to notify you of it if you ask them even during fresh application.
These said, another way (perhaps the most effective way) that you can find out is your own intuition, you should know whether you were detected presenting any fake, fraudulent or misleading documents or serious sensitive misinformation to support your previous application. And if you were, then, there is no two ways about it, you've just been banned (unaware) for ten good years. Period.

The sad truth is: you did not receive the ban from making subsequent applications, but rather you received the ban from obtaining a UK visa of any category. So, it is up to you to apply a hundred or a thousand times while under a ban, but you will never be given a visa except after the ten years ban expires.
There was this case of a Nigerian visa applicant who was refused a visa for reason of forged documents that he presented in his previous application; after some time, he eventually came clean in his new application, but still he was refused a visa on the basis of the "fraud documents" that he submitted in his previous application. Yet, the cruel visa officer did not advise the mugu applicant that he was under a ban, but the country-man who obviously found no reason for his recent refusal was wise enough to ask about his chance of getting the visa in future application, and then the visa officer was obliged to let him know that he had been under a ban even before his recently denied application was made.
Now, had this countryman known that he was under a ban, he wouldn't have spent his hard-earned money all through that stress and trouble to apply for a visa that will never be issued him?

So, considering the fact that at the UK embassy, over 9000 applicants were caught with fraudulent documentsg in just one year, I wish to request that this thread be kept alive so that others would see it and avoid binning their money, this thread can save millions or even billions of Naira.


NOTE 1: The same applies to the USA visa application, but considering the LIFE BAN that you can get from the US if caught with fake or misleading documents or misinformation, the UK 10 years ban is merciful.

NOTE 2: For expectant mothers; know that it is a serious violation to conceal pregnancy during visa application, and it is even more serious to give birth in a country if your visa is not issued on medical ground: and worse still, to deny the awareness.
And unlike the merciful 10 years ban that is applicable with the UK, You may never be issued a US visa again, this violation MAY attract a life ban from the USA depending on circumstances and judgement
NOTE 3: I am not a Travel or "Visa" agent. And if anyone tells you that he is a visa agent, run away from the person because, most of the people who get into bans are those who solicit the services of syndicates who profess themselves "visa agents".
YOU CAN APPLY FOR THE VISAS YOURSELVES, and you will be sure of the documents that you use. But if you solicit (the so called) visa agents for assistance, you might not know when fake or tampered documents are added to your application, and the result will be a LIFE BAN from the USA.
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beejaybida: Hi, VicJustice. Quick clarification needed on this "Money Lodgement" issue.i asked you earlier in the enquiries group but the shorthand language you deemed confusing. sorry abt that. My annuals (as stated/broken down in employer letter of intro) is 6 Million made up of salary (180k monthly) and various allowances. On a particular month, we received an allowance into my salary current account which i put into fixed deposit with the same bank so as not to overspend. I ask you, if i liquidate the fixed deposit 2 months to application and the bank credits back into my salary current account (where the funds were taken from initially) with the proceeds, would it still be "Money Lodgement"? kindly note that 1. the trasaction is directly traceable to the account, 2. all my salary and other allowances go thru the account, so there is history of income and expenditure over a long time, 3. i shall attach with application all the fixed deposit certificates given for the period as well as a detailed explanation refering to the bank statement on when the funds were debited by the bank and were credited back too. 4. The funds is good enough to sustain us for the trip as well as have something left for after the trip. Thank you.

henrychubayo: This forum is very educative. Before you said these, i know it very well but not all our ppl know the these. So here, they can learn, understand, and apply it into action so as to have a success in their applications. But as you stated, company statement cannot be used to apply in some areas. But i think that you can still use it to apply in some. For instance, if you are going abroad for training, seminar or conference sponsored by your employee or company, would they still request a personal statement of account from you bearing in mind that the company will provide all the financial assistance you need for the trip?

beejaybida: Hi, VicJustice. Quick clarification needed on this "Money Lodgement" issue.i asked you earlier in the enquiries group but the shorthand language you deemed confusing. sorry abt that. My annuals (as stated/broken down in employer letter of intro) is 6 Million made up of salary (180k monthly) and various allowances. On a particular month, we received an allowance into my salary current account which i put into fixed deposit with the same bank so as not to overspend. I ask you, if i liquidate the fixed deposit 2 months to application and the bank credits back into my salary current account (where the funds were taken from initially) with the proceeds, would it still be "Money Lodgement"? kindly note that 1. the trasaction is directly traceable to the account, 2. all my salary and other allowances go thru the account, so there is history of income and expenditure over a long time, 3. i shall attach with application all the fixed deposit certificates given for the period as well as a detailed explanation refering to the bank statement on when the funds were debited by the bank and were credited back too. 4. The funds is good enough to sustain us for the trip as well as have something left for after the trip. Thank you.

Austyn316:

Your salary is impressive enough to get you a visa especially as you can prove what you have said. I advise that you submit your application with a cover letter. In the cover letter try to explain the source of any "unusual" deposit into your account. With the letter of introduction from your company and your pay slip/detailed breakdown of your income sent to you by your employer e.g. your last promotion letter, you will be home and dry. Entertain no fear. The visa is yours to have.

Opoki: @Op: thanks for this informative post. I'm into mechanised farming and processing with a registered company and a bit into Forex, i have a company account with some few hundreds of thousands and as well as a personal account domiciled in both Naira and USD majorly for Forex trading (withdrals and Deposits) with few hundreds of bucks as well, which a/c can i use to sponsor someone say wifey and 2children for a Visiting Visa to US?

Vicjustice: A lot of people make the mistake of making deposits into their accounts prior to visa application; this action is called "Money Lodgement" which is an express ground for visa refusal: don't naively commit this violation (by depositing lump sums of money into an account which apparently stands in isolation) for presentation purpose.
Such account does not meet the requirement of an acceptable bank statement so, applying for a visa with it will only give you a definite result, REFUSAL.

This is how it works; An acceptable bank statement must have up to six months transaction records demonstrating your income (from verifiable sources) and expenditures, and it must have good enough fund to sustain your trip and intentions, and also; it must have enough balance to keep you going after the trip: preferably, a Savings account, Salary account or Wages account.

I regret to say that until your bank statements meet the standard format as I explain, you will continue to get refused no matter how many time you applied or how much you have in your accounts

For those considering the use of sponsor, know that there are very few circumstances in which it may be considerable for an adult applicant to use a sponsor, such sponsor may be a Spouse (for Family Reunion) or Parents/close-relatives (for Education) etc. But if you are considering the use of a Company's account, that would be unacceptable (even if you owns the company): you'd need to be applying for a training or a course or a seminar that would be deemed profitable to your company in order to satisfy the visa officer of the purpose otherwise, it would be judged that the money in the company's account is not available for your use.
And as an adult, you are supposed to be financially independent to meet the requirement for a tourist or pleasure visa; for example, you can't be sponsored by anyone if your intended travel is for the purpose of tourism or romance: rather than official or family visit, a presentable account has to meet the requirements and the formation of the bank statement that is acceptable as explained in the bolded part of the above paragraph

I decided to add this (my earlier) post since it continue to happen that many people still find themselves in this unfortunate situation and I thought i should lay emphasises to save people's money.
This informational advice is for country-men and women who are continuing to bin their thousands of Naira attempting to obtain the UK visas while being unaware that they are under a ban for ten years.
Have you ever been refused a UK visa on the basis of fraudulent, fake, or misleading documents or even serious sensitive misinformation? Then, apply for a UK visa no more, keep your application fees and try for other countries.
It is unfortunate that, except you take measures, you might not be able to find out whether you carry the ten years ban based on fraudulent or misleading documents presentation or, false declaration; this is the unfair method that the UK embassy uses to punish individuals who attempt to use fake or misleading documents to obtain their visa: they allow them to re-apply unaware of the ban while they extract the visa application fee from the unsuspecting applicants.
If you are unsure of your ban/no-ban status, you are entitled to the rights of knowing your eligibility for the UK visa after refusal and the staff are oblige to let you know. But however, if you wish to make subsequent application, you can inquire before making your payment: ask them to inform you of your status before paying the visa fee, it is their duty to notify you of it if you ask them even during fresh application.
These said, another way (perhaps the most effective way) that you can find out is your own intuition, you should know whether you were detected presenting any fake, fraudulent or misleading documents or serious sensitive misinformation to support your previous application. And if you were, then, there is no two ways about it, you've just been banned (unaware) for ten good years. Period.

The sad truth is: you didn't receive the ban from making subsequent applications, but rather you received the ban from obtaining a UK visa of any category. So, it's up to you to apply a hundred or a thousand times while under a ban, but you will never be given a visa except after the ten years ban expires.
There was this case of a Nigerian visa applicant who was refused a visa for reason of forged documents that he presented in his previous application; after some time, he eventually came clean in his new application, but still he was refused a visa on the basis of the "fraud documents" that he submited in his previous application. Yet, the cruel visa officer did not advise the mugu applicant that he was under a ban, but the country-man who obviously found no reason for his recent refusal was wise enough to ask about his chance of getting the visa in future application, and then the visa officer was obliged to let him know that he had been under a ban even before his recently denied application was made.
Now, had this countryman known that he was under a ban, he wouldn't have spent his hard-earned money all through that stress and trouble to apply for a visa that will never be issued him?

So, considering the fact that over 9000 fraudulent documents were submitted in just one year, may i please request that you people keep this thread alive so that others would see it and avoid binning their money, this thread can save millions or even billions of naira.

jude33084: Thanks for the information. Sir I will also like to know about travelling to Canada/Uk through marriage status; that is a man/woman that is based in naija getting married to a citizen or somebody with a valid doc of these country. What will be their fate if applying for immigrant visas? Thanks

Dotman01: @vicjustice
Is this system only applicable to the uk? Or other countries like us, canada do the same?

muumuu: @vics..if i wanna know if i have been banned,how do i go about it plz?cus most of us only knows the way to the collection centre,can one make inquiries there?

Fin9: @op, to deviate a little, is there anything like no visa-needed application into any EU country? Someone told me that Belarus ( state university) do not require visa for an international student. Is this true?

BMZK: When i attended my interview last year at american embassy, i was given a letter that stated my case has to go through administrative processing and it will take a minimum of 60 days. It was also stated that i should not come all call unless they contacted me.
Guess what? They eventually called me after 3 months and stamped my passport for 1 year multiple entries.That was my first tme of applying and i heard people saying US does not give multiple entries to a first time non immigrant us visa applicant.
Please does any one know what kind of administrative processing are they talking about and why my case was special case?

otondo55: Do advice me on application for Canadian Study permit. Thank you