Does the 28-day balance need to stay above the threshold every single day?

Yes — the balance must be at or above the required threshold on every one of the 28 consecutive days, ending no more than 31 days before the application date (Appendix Finance FIN 7.1–7.3). Any day where the balance drops below £10,539 (outside London) or £13,761 (London) breaks the continuous period and the 28-day count must restart.

Does UKVI publish an official named list of approved banks for Nepal?

No. UK Immigration Rules Appendix Finance does not name specific Nepali banks. It sets a general rule (FIN 2.1): the institution must be verifiable, regulated by the appropriate regulatory body for the country, and use electronic record-keeping. For Nepal, this means NRB-regulated institutions — in practice, the 20 current NRB Class A commercial banks are the institutions students most commonly and reliably use, since they are unambiguously covered. Some named-whitelist requirements do exist for a small number of other countries (such as Bangladesh, India, Ghana and Nigeria) where UKVI has previously flagged higher document-fraud risk, but Nepal is not currently in that category.

Can I split the required balance across two banks?

This is not recommended and is not how UKVI evidence is typically assessed — the closing balance evidence should come from a single account so the 28-day continuous-holding history is clear and verifiable. Splitting funds across two institutions makes the required continuous-balance evidence harder to demonstrate and increases the risk of the application being queried. Keep the full required amount in one account at one NRB-regulated bank for the full 28 days.

What format does the bank statement need to be in for UKVI?

The statement must be issued using electronic record-keeping by the bank (Appendix Finance FIN 2.1(c)) — not a screenshot of online banking; show the account holder's full name, account number, and the balance on every day of the 28-day period; and be dated within 31 days of the visa application date (FIN 7.1). Most NRB-licensed banks in Nepal can provide this as a certified letter or official statement.

Verified Against NRB & GOV.UK — June 2026

20 UKVI-Approved Banks Nepal for UK Student Visa — Full 2026 List

There are 20 NRB-licensed Class A commercial banks in Nepal that satisfy the UK Home Office's financial evidence requirement for a Student Visa. This page lists all 20 and explains exactly how the rule works — sourced directly from UK Immigration Rules Appendix Finance and Nepal Rastra Bank's own published bank list.

View All 20 Banks Free Guidance

20NRB Class A Banks Accepted

28Consecutive Days Required

99%HOA Visa Success Rate

100%Free HOA Guidance

Last Updated: 10 Aug 2026 | Bank roster cross-checked against nrb.org.np/bank-list | Rule text verified against gov.uk Appendix Finance

How the Rule Actually Works

UKVI does not publish a separate, named list of "approved" Nepali banks. Under UK Immigration Rules Appendix Finance, FIN 2.1, financial evidence is only rejected if the institution cannot be verified, is not regulated by the appropriate regulatory body for the country (for Nepal, that is Nepal Rastra Bank), or does not use electronic record-keeping. In practice, this means all 20 current NRB-licensed Class A commercial banks in Nepal qualify — and unregulated cooperatives or informal savings schemes do not.

The Three Conditions in FIN 2.1

The full rule text (Immigration Rules Appendix Finance, gov.uk) says financial evidence will not be considered only if any of the following apply:

2.1a

Cannot be verified. UKVI must be able to make satisfactory verification checks on the institution.

2.1b

Not regulated locally. The institution must be regulated by the appropriate regulatory body for the country — Nepal Rastra Bank (NRB) for Nepal.

2.1c

No electronic records. The institution must keep electronic records, which any NRB-licensed commercial bank does.

All 20 NRB Class A commercial banks are unambiguously regulated by NRB and keep electronic records, so they satisfy all three conditions. A small number of other countries — including Bangladesh, India, Ghana, and Nigeria — have historically had UKVI apply a stricter, separately published list of acceptable institutions due to past document-fraud concerns. Nepal is not currently subject to that narrower named-list requirement; the general Appendix Finance test applies.

Source: UK Home Office, Immigration Rules Appendix Finance, verified 10 Aug 2026. Bank roster: Nepal Rastra Bank, BFI List.

How Much Do You Need? — 2026 Figures

Outside London Universities

£10,539

≈ NPR 20.5 lakhs (at NPR 195 = £1)

9 months × £1,171 per month, per UK Home Office Appendix Finance | Must be in account for 28 consecutive days | Applies to all universities outside London including Manchester, Birmingham, Leeds, Edinburgh, Coventry, Hertfordshire

London Universities

£13,761

≈ NPR 26.8 lakhs (at NPR 195 = £1)

9 months × £1,529 per month, per UK Home Office Appendix Finance | Must be in account for 28 consecutive days | Applies to all universities with a London campus including UEL, Middlesex, Westminster, Brunel, Kingston

The 28-Day Rule — Exactly How It Works

Per Appendix Finance FIN 7.1–7.3, the full required balance must be present in your account on every single day of a 28-consecutive-day period, and the most recently dated evidence must be within 31 days of the application date. Any withdrawal that drops the balance below the threshold — even for one day — breaks the continuous period and the count must restart.

Verified Current Roster

All 20 NRB Class A Commercial Banks in Nepal

Every bank on this list is regulated by Nepal Rastra Bank and satisfies UK Immigration Rules Appendix Finance for 2026 applications. Cross-checked against nrb.org.np/bank-list.

20 Accepted