₦airaland Forum

Jossy4love:
Yes, it’s advisable for your brother to submit a personal statement along with the sponsor's letter. Even though the sponsor is covering all expenses, a personal statement helps clarify his purpose for visiting, his ties to his home country, and his intention to return after the event. It shows the visa officer he’s fully aware of the trip details and reinforces his genuine reason for travel.

Regarding the amount he should state for expenses, since the sponsor is handling accommodation, living costs, and transport, he can list a modest sum for personal expenses — around $1000 to $2000 CAD should be reasonable for 7 days. This would cover small personal purchases, emergency funds, and incidentals.

Also, ensure he includes:

The invitation letter from the church.
The sponsor’s letter clearly stating the financial support.
Proof of the sponsor’s financial capacity (like bank statements or employment details).
Strong ties to his home country (work letter, family commitments, or property documents) to show he intends to return.

Note: Ensure that your sponsor notifies Ircc about your invites, If you don't have a reference on your invite that's been authenticate by Ircc is automatic refusal.

Currently, Ircc is looking into all documents. You must meet all to be approved. There's a high rate of refusal and a lot of people are wondering why? The answer is not far fetch. First check your purpose of travelling, if it's students route you want get all your documents from the school, also pay part of your tuition fee to convince the consular you have the funds. No lump sum, endure appropriate transaction get a reasonable amount of of pof 35m and above and carefully write your sop. Check for gaps in your education and ensure you fill appropriate vacuum. Students visa needs enough carefulness. Go through it with diligence. No rush. Ircc are cutting down on the number of immigrants so before submitting cross-check it very well. For tourist. Ensure that the purpose of your travel is defined and if you are going for a program or conference check if the program has a reference from Ircc. Most programs and conferences in Canada are not known by Ircc by so doing you will be refused on the basis of your business purpose. There are programs that are meant for only people in Canada and not for international. So, I advise you check conferences that are for international and get the ticket. From Eventbrite or Globalvisaconference. For the pof ensure your statement is above 7m and get all your documents ready. Tips for tourists., get a hotel reservation and flight reservation. All the best.

giselle237:
I hit a nerve. Sha provide proofs..

davodyguy:
I as stated, you can apply when the TB is still some days to maturity, so the funds would be available some days to travel date.

I'll suggest you package employment status well

Pick travel date,

Let TV maturity be some days to travel

Let's say you're applying on 5th August , TB can be 31st of July, but you must have printed your statement before maturity.

Don't let the TB drop into your account, to avoid issues

Let your state balance be like 2 or 3 times travel expenses, then TB value would then be stated as travel savings.

So you let them know that without TB, balance in your account is still sufficient

giselle237:
But I said it then that they were right to be suspicious of your salary narration as well as your whole financial picture… as the ECO pointed out. You then said because you did not visit the bank to tell the bank officers the narration to apply to salary credits they got it wrong… (I told you I have never heard of where an employee not the EMPLOYER determines the narrations of salary- except of ofcourse it is arranged)
Now all of a sudden you have changed jobs… . just make sure you provide proofs of all this..

clayfounder:
Are you still in Ukraine? Because you used to recruit students to Ukraine as your means of survival before the war, and now you are a Global Visa Conference advertising agent. But please tell people the truth ,that the $500 paid for the conference is non-refundable, and the canada visa refusal rate is high, as the conference route don cast.

davodyguy:
Cover letter can deal with this.

Add new employment letter..

When are you moving and when do you want to apply?

davodyguy:
I told you same thing that irrespective of the financial instruments, the balance in your account should be minimum 2* the budget of the trip.

There's no way you'll not spend ₦1.5+₦1.5+₦1m on the trip. Let's be frank. I just returned and despite not paying for accommodation and partly feeding, for a family of 3 it was well above ₦10m. If accomodation was included may be ₦15m in 14 days.

Traveling is not cheap at all.

For 10days, you need $50 a night budget hotel, that's $500*₦1670
Feeding too about £30*10days *₦2000
Ticket ₦1.3m
You'll transport yourself from Airport to Hotel and back to Airport, budget £100 for this, as cabs are expensive to airport. Local transportation as well.

You need ₦4m even with managing cost

Yiu should have more than than as financial instrument, which you can state you you cover letter and also about ₦8m in your account.

If you want to borrow money, this January, you should have about ₦5m as opening balance
Add January salary of ₦1.1, take 30% out as expenses, you'll have ₦5.7m

End of February you'll have ₦6.4
End of March ₦7.1
End of April ₦7.8
End of June ₦8.5
Apply in July or August with your account nearing ₦9m balance 8

And your financial instrument about ₦8m as well

lukfame:
I used 3 months for my visitors Visa last year and was granted and I know couple of other people who used the same thing.

Cheers

b31164707:
If you check their website, you'll realize there's actually no explicit requirement mandating the submission of bank statements for the last 6 months and I've heard about cases where some applicants have been granted visas even after showing account statements for the most recent three-month period, so I think it really just depends on the strength of one's entire application. However, bank statements MUST cover at least a 3-month period.
I have also heard that applicants with a proven travel history to countries or regions with strict visa requirements, such as the US, Canada, the UK, and the Schengen Area are likely to be granted more leniency.

Hi... so did you get the visa with a 3 months statement or 6months?

b31164707:
I'm not weird, so calm down! It was just a question o.

davodyguy:
No need for bank statement of treasury account

davodyguy:
I told you same thing that irrespective of the financial instruments, the balance in your account should be minimum 2* the budget of the trip.

There's no way you'll not spend ₦1.5+₦1.5+₦1m on the trip. Let's be frank. I just returned and despite not paying for accommodation and partly feeding, for a family of 3 it was well above ₦10m. If accomodation was included may be ₦15m in 14 days.

Traveling is not cheap at all.

For 10days, you need $50 a night budget hotel, that's $500*₦1670
Feeding too about £30*10days *₦2000
Ticket ₦1.3m
You'll transport yourself from Airport to Hotel and back to Airport, budget £100 for this, as cabs are expensive to airport. Local transportation as well.

You need ₦4m even with managing cost

Yiu should have more than than as financial instrument, which you can state you you cover letter and also about ₦8m in your account.

If you want to borrow money, this January, you should have about ₦5m as opening balance
Add January salary of ₦1.1, take 30% out as expenses, you'll have ₦5.7m

End of February you'll have ₦6.4
End of March ₦7.1
End of April ₦7.8
End of June ₦8.5
Apply in July or August with your account nearing ₦9m balance

And your financial instrument about ₦8m as well

davodyguy:
I told you same thing that irrespective of the financial instruments, the balance in your account should be minimum 2* the budget of the trip.

There's no way you'll not spend ₦1.5+₦1.5+₦1m on the trip. Let's be frank. I just returned and despite not paying for accommodation and partly feeding, for a family of 3 it was well above ₦10m. If accomodation was included may be ₦15m in 14 days.

Traveling is not cheap at all.

For 10days, you need $50 a night budget hotel, that's $500*₦1670
Feeding too about £30*10days *₦2000
Ticket ₦1.3m
You'll transport yourself from Airport to Hotel and back to Airport, budget £100 for this, as cabs are expensive to airport. Local transportation as well.

You need ₦4m even with managing cost

Yiu should have more than than as financial instrument, which you can state you you cover letter and also about ₦8m in your account.

If you want to borrow money, this January, you should have about ₦5m as opening balance
Add January salary of ₦1.1, take 30% out as expenses, you'll have ₦5.7m

End of February you'll have ₦6.4
End of March ₦7.1
End of April ₦7.8
End of June ₦8.5
Apply in July or August with your account nearing ₦9m balance

And your financial instrument about ₦8m as well

giselle237:
Experience? Your travel duration was for 10 days, not 2 weeks.
The liquid money you had in your account was 5.m and a budget of £2500 is far above 5m and you can not clear out your account for vacation purposes.
Fixed treasury bills= 0
Joint account = 0
Pray, tell, how did the visa officer err for our learning purposes?

b31164707:
Good morning, everyone. If you're applying for a visa for the first or second time after a previous denial, please ensure that the budget you provide in your application is reasonable and not excessively high compared to your monthly salary.

For example, if your monthly salary is between 750,000 and 1 million Naira, do not list a budget of 3,000 GBP, 4,000 GBP, or 5,000 GBP for one week, even if your savings can cover those amounts! The authorities want to ensure applicants are not budgeting more than three times their monthly income. I've seen several visa denial emails in this forum from applicants who provided budgets that were far too high in relation to their monthly earnings.

A more reasonable budget (excluding accommodation but including flights) for someone with a monthly salary between 750,000 and 1 million Naira, traveling for about a week, should typically fall between 2.1 million Naira and 2.9 million Naira (roughly 1,100 GBP to 1,500 GBP), with the total including accommodation and flights around 2,000 GBP.

However, I've noticed that certain factors may be overlooked by visa officers for applicants with a strong travel history over the past 10 years. For example, I know someone whose monthly salary was in the 400,000 Naira range last year, and he budgeted 2,000 GBP for about a week or less in London, including accommodation and flights, which is obviously quite high compared to his salary. However, this person had traveled to the UK six times in the last 10 years, as well as to Botswana, South Africa, Portugal, and other countries, which strengthened his application.

davodyguy:
Doesn't matter.

What you should show is that you had the money months ahead of travel and it was fixed for the travel. So it doesn't have to be kept in your account

Oggg:
U re definitely going about things the wrong way and refuse to listen: , this one is obvious: ,

davodyguy:
Apply when the tenure is still on. Whether Treasure of FD, both are same

Jolene474:
I think if you are refused visa with the UK twice and it’s a visit visa, and you do not visit another country, if you come back again they might also refuse you..
If you really have the money like you claim then try another country and next application note it that though you didn’t give me the visit last time but see oooo I visited this country and I enjoyed my stay there and I spent my money there. The Officer will know that this one is a true visitor and he or she has the liquid cash.

b31164707:
As long as you're not spending up to 50% of your monthly salary, I believe you should be fine. This implies that every month you should have at least 50% of your monthly income as disposable income to be in a good position.

davodyguy:
From net pay ABC LTD in January, spend altogether say N200,000 in small units
Do that till june or July

Make sure no other funds enter that account

If you need to do other things, use another account that you would not be submitting

I have 3 savings account. Submitted just one which is the cleanest. the others for other stuff were not submitted

davodyguy:
Reapply and address everything stated already.

As I said, only two issues.

Fix certain amount immediately for a period that will coincide with the travel date.

Let's assume you want to reapply in June, 2025 and travel in July, 2025 for summer, fix about ₦5m or more for 7 months, with maturity date being July 2025

Then keep your salary account clean that from January Salary, deposit in the account from company must read Salary and nothing more, then use another account for personal runs.

Do a cover letter to address the refusal and reference it and state in the letter that the amount you fixed is what you're using to fund the trip, as you've fixed it ahead of travel time. However, let the balance in the account after six months still be able to cover about ₦4m need for the trip. Naira salary account should have about ₦7million

Fix deposit certificate to be used as well

Good luck

Just clean the account

davodyguy:
Reapply and address everything stated already.

As I said, only two issues.

Fix certain amount immediately for a period that will coincide with the travel date.

Let's assume you want to reapply in June, 2025 and travel in July, 2025 for summer, fix about ₦5m or more for 7 months, with maturity date being July 2025

Then keep your salary account clean that from January Salary, deposit in the account from company must read Salary and nothing more, then use another account for personal runs.

Do a cover letter to address the refusal and reference it and state in the letter that the amount you fixed is what you're using to fund the trip, as you've fixed it ahead of travel time. However, let the balance in the account after six months still be able to cover about ₦4m need for the trip. Naira salary account should have about ₦7million

Fix deposit certificate to be used as well

Good luck

Just clean the account

giselle237:
Then it is been run or how sir?
I can’t wrap my head around a standard organisation or establishment needing the employee to visit the bank to give them information before receiving salary. Salary of 1.1m for that matter. I am confused that’s why I asked.
Secondly they do not like desperation, if your requests to visit their country has been denied now 2 times or more and you do say you have the financial wherewithal, why not try other countries for your holiday?
Makes more sense that way than back to back applications at risk of another refusal with no travel history.

giselle237:
Then it is been run or how sir?
I can’t wrap my head around a standard organisation or establishment needing the employee to visit the bank to give them information before receiving salary. Salary of 1.1m for that matter. I am confused that’s why I asked.
Secondly they do not like desperation, if your requests to visit their country has been denied now 2 times or more and you do say you have the financial wherewithal, why not try other countries for your holiday?
Makes more sense that way than back to back applications at risk of another refusal with no travel history.

davodyguy:
Sorry about your refusal.

Two issues were cited

1. The inconsistency in deposits. You need to fix this by ensuring that only salaries get paid into salary account, which you intend to drop.
In my case I calime I get paid certain amount and in the 5 months statement I presented, it clearly stayed that sum exactly without reduction or increment. If you salary is N1.1m, make sure only that N1.1m enters that account for about 5 months and clearly marked as Salary

2. Reduce your budget. Cheapest ticket now is around N1.1m to N1.3m ($700)
You can see $70 a night hotel and spend about $700 in 10 days and another $500 on feeding
$300 on entertainment
Total $2,200 which is less than 2000 pounds



Thanks so much for your input.

5 months statement account?
You mean I can use less than 6 months?

Also, the bank was unable to process our December salary last month. They were eventually able to process it 2nd of January, I hope this won't be an issue when I try to reapply.
Thanks so much

b31164707:
To add to this, there are numerous situations where an applicant receives bonus payments or allowances from their employer. In such cases, these payments must be clearly explained in the cover letter, as long as they appear in the applicant's salary account statement. For example, if an applicant (e.g. Ade) received 500,000 Naira as a leave allowance from his employer in November 2024 and 700,000 Naira as a 13th-month allowance in December 2024, in addition to his regular monthly salary of 800,000 Naira, the total of 1.2 million Naira received as allowances over a two month period should be explicitly explained in the cover letter and reported as additional income in the applicant's online UK visa application. Additionally, there are cases where applicants receive transaction reversals, which appear as credits due to previously failed transactions for which they were mistakenly debited. In these cases, it is important to clearly explain the reversals in the cover letter to prevent the visa officer from mistakenly considering them as suspicious or unknown income sources. Although I understand that providing these explanations can be tedious, I believe it is the best way to minimize the risk of visa denial. I hope this is clear.

Thank you so much my brother.
I didn't know I could use a statement less than 6 months?
Means I can use a statement of four months?
Also, the bamk was unable to process our salaries for December 29th 2024, eventually it was done 2nd of January, I hope thus won't be an issue again?

giselle237:
Why is an employee taking payment schedule to the bank? An organisation paying 1.1m can not do its employee payments or deal with the bank? Sorry I am just confused and trying to mitigate this whole scenario because the visa officer was also confused.

Then Ghana is not travel history guys. Please . For the 100th time it is not travel history for the UK.

davodyguy:
The bank can actually do this, by telling the teller to add that narration. We do that for tax and the reason for payment is always specified

LadyCaplin:
Sorry about your refusal.

The VO mentioned the irregularities as it relates to the description of your salary payment. Other than that, there's nothing really.

Do you have any travel history? Is this your first time applying?


Thanks for your input... yes it's my first time applying for the uk visa.
I've trialled to Ghana which i stated.
Is that enough pls ?
Or what dyu suggest?
Thanks so much. I appreciate

giselle237:
Your story contains several inconsistencies:
-You have no documented travel history.
-You reported a salary of 400k three to five months ago, but it suddenly increased to 1.1m almost near the application date.
-A joint account with your mother does not demonstrate full access to those funds; it’s still a shared account.
-The 10m in treasury bills does not count as liquid money. While it shows investments, it isn’t readily accessible cash. This is my opinion.
-You claim to have 5m in your savings but intend to spend 2,500 pounds on a short trip. This raises concerns about your financial planning—do you not want to return to any savings?
-The 7m you mentioned was in your salary account, but ECO found discrepancies in the amounts and narratives of your salary credits. They believe this indicates irregularities, as salary entries typically have consistent narratives.
You said you enquired from the bank about your salary credits… is the narration not shown on your bank statement? Is it not your employer paying you? Is that every month your employer tells them something as a narrative?
Why should an employee be enquiring from a bank of this is all as it seems?
This story is not consistent as I have worked in several establishments from minute to multinational and this is hardly the case for every single month.
It seems you have previously been denied a UK visa, which adds another layer of complexity.
If I've misunderstood any part of your information, please let me know.