₦airaland Forum

Goodevening all.
Please is it necessary to explain deposits of 30k and less in one’s bank statement in a visitor visa application.?
Thank you for your response.

christhavemercy:
UK refusal story

I just got my second visa refusal from UKVI.

The first one was refused with reason of ‘huge unexplainable’ amount (1,050,000) that showed in my statement. This is my house rent which came in and out (same day) of my statement.

Ok.. lesson learnt, no lump sum.

But this second refusal is shocking to me, see reason;
“”You state that you are employed earning 444602.98 NGN per month (£815.7 @ exchange rate £1 = 489.269 NGN). I have carefully considered the documents you have provided in support of your application.
You state you personally intend to spend 800000.00 NGN (£1,467.74) on your trip to the UK. I note that your proposed expenditure far exceeds your monthly disposable income. This degree of expenditure appears disproportionate to your economic circumstances, leading me to doubt your intentions in seeking to visit the UK for the limited period and purpose stated“”

After noting that my husband will be sponsoring the entire trip and including his pay slip and statements which far exceeds my own by many multiples, he has a UK visa already. He’s livid because we both can’t understand this reason.
I also included my payslip, salary account and savings account with above 3.7m (6 months, no lump sum deposited, opening bal 3.1m)


Joor oo.. please house where did I go wrong in this application? I applied for 6 months visa for a 7 day stay (honeymoon). Is spending less than double of your net income a reason for refusal? I checked the Appendix V as the highlighted and it’s not showing anything like that. It’s like this UKVI personnel thinks Naira is as valuable as Pounds�
How much should have been appropriate?

Also why wasn’t I refused the first time for that reason even though I stated that I would be spending 1.2m with the same salary.

Kindly advise me for future sake (or learn from me), although I won’t be applying to UK for a long time for my personal sanity.

Sorry about this. How much did you declare as your expenditure every month ? because the eco mentioned your disposable income.

leef2022:
IMO you don't have to stress yourself on large deposits done in 2020 if you dont have such transactions in 2022. Unless in 2020 you stated that it were part of your income/wages. Then you would have to explain why you're not earning that now(I.e if your income has now decreased/increased).

However, if you feel its safer to explain, just state in the additional section box- "that the funds which was reason for refusal(if that were the case) were gifts from your then boyfriend, however you have no such current entanglement, as such no such gifts, also you wish to state clearly that it were no ill-financial practise done by you to obtaining a visa during previous application".

Thank you so much

leef2022:
Have current financial docs(for whatever period you wish to support your application with) such/any large deposit(s)?

No, my current financial docs dont have such large deposits. Just my salary.

Good day everyone.
Please how can one explain a previous UK visa denial in 2020 which was as a result of large deposits.
Pls note that this deposits were gifts from an ex boyfriend at the time.
How does one explain this with evidence as we don’t communicate anymore?
Thanks alot.