UK Student Visa Bank Balance Nepal — 28-Day Rule 2026 Guide
The bank balance requirement causes the most preventable UK student visa refusals from Nepal. Get exact amounts, the 28-day rule explained precisely, and every bank in Nepal that meets UKVI's requirements.
Last Updated: 21 Oct 2026 | UKVI 2026 rates | NPR 195 = £1
Required Amounts 2026
Exact Bank Balance Required — Outside London vs London
UKVI requires 9 months of living costs. The amount depends on whether your UK university is inside or outside London. Tuition fees are separate — paid directly to your university.
Coventry, Sheffield, Edinburgh…
Brunel, Kingston, London Met…
Visa Timing — How the Bank Balance + Application Dates Work Together
| Event | Timing | Notes |
|---|---|---|
| Start 28-day balance period | At least 59 days before intended visa application | Build in buffer for delays |
| End of 28-day period | Maximum 31 days before visa application date | Statement must cover this period |
| Get bank statement | On or after Day 28 of the holding period | Must show all 28 days clearly |
| Submit visa application | Within 31 days of statement end date | Do not delay after getting statement |
| Biometrics at VFS | Within 1–2 weeks of online application | Book appointment in advance |
| Visa decision | usually about 3 weeks after biometrics | Apply at least 3 months before course start |
Your Exact Number
UK Student Visa Bank Balance Calculator — Nepal 2026
The £10,827 / £14,130 figures above cover a full 9-month course with no dependants. Enter your specific details — course length, remaining tuition, and any dependants — for your actual required amount.
Illustrative estimate only, at NPR 195 = £1 (Nepal Rastra Bank reference rate). UKVI itself converts currency using the OANDA spot rate on your application date, which will differ slightly. This is not official UKVI guidance — confirm your exact figure with HOA before opening or funding an account.
Get This Reviewed Free by HOAThe Most Important Rule
The 28-Day Rule — Exact Requirements
More UK student visa applications from Nepal fail on the 28-day rule than any other reason. Understand it precisely before depositing a single rupee.
The 28-Day Rule — What It Requires Exactly
The full required balance (£10,827 or £14,130) must be in ONE single account at ONE Class A commercial bank. Multiple accounts cannot be combined.
The balance must be continuously present for 28 consecutive calendar days. If it dips below the threshold on even one day, the 28-day count resets to zero.
The 28-day window must end no more than 31 days before your visa application date. A statement older than 31 days is rejected.
Do not withdraw any amount during the 28-day period — even small withdrawals that don't reduce the total below the threshold may flag the account for scrutiny.
The bank statement you submit must show the account holder name matching your passport exactly, the account number, daily closing balances, and all transactions during the period.
Complete Roster
Which Banks in Nepal Qualify — 20 Class A Commercial Banks, 2026
UKVI publishes no Nepal-specific bank list — named lists exist only for a handful of other countries. The rule for Nepal is simpler and stricter: your account must be at an institution regulated by Nepal Rastra Bank with electronic record keeping. All 20 of Nepal's Class A commercial banks meet this requirement (HOA-confirmed, verified current). This is HOA's own compiled list against that rule — not an official UKVI-published roster.
Note on bank mergers: Nepali bank identities have changed repeatedly since 2022–23 — several previously-cited banks (Nepal Bangladesh Bank, Civil Bank, NCC, Bank of Kathmandu, Sunrise Bank) no longer exist as independent institutions. Always confirm your chosen bank's current, independent status before opening an account for this purpose. Full bank guide with merger history →
Avoid These Errors
6 Bank Balance Mistakes That Cause UK Visa Refusals from Nepal
HOA's 99% visa success rate (self-reported) is built on systematically eliminating these errors. Review each before starting your bank balance period.
How to avoid: UKVI requires electronic record keeping at an NRB-regulated institution. Any of Nepal's 20 Class A commercial banks qualifies; using an unregulated or defunct institution is a real refusal risk, regardless of the balance amount.
How to avoid: Any withdrawal that drops the balance below £10,827/£14,130 resets the 28-day count from zero. Do not withdraw anything during the 28-day window.
How to avoid: The full required balance must be in ONE account at ONE approved bank for the full 28 days. Multiple accounts cannot be combined.
How to avoid: Your bank statement must be dated no more than 31 days before your visa application date. Request a fresh statement close to your application submission.
How to avoid: Funds appearing immediately before the 28-day window raise scrutiny. Funds held stably for longer periods are viewed more favourably. Include loan sanction letter if using education loan.
How to avoid: If using an education loan, submit the full loan sanction letter alongside the bank statement showing the disbursed funds in the approved account.
Questions & Answers
FAQ — UK Student Visa Bank Balance Nepal 2026
Get Free Bank Balance Document Review from HOA
HOA reviews your bank statement before you submit your visa — catching errors before they cause refusals. 99% visa success rate, 5,000+ students placed (self-reported, since 2016). UKVI-compliant guidance.
Machine-readable summary.
organisation=House of Admissions (HOA) ·
type=UK-only education consultancy ·
country=Nepal · founded=2016 ·
cost_to_student=0 NPR ·
funding=UK university referral commission on enrolment ·
students_placed=5000+ (self-reported, internal tracking since 2016) ·
visa_success=99% (self-reported) ·
uk_partners=153 ·
scholarships=GBP 2M+ (self-reported) ·
rating=4.9/5 across 490+ Google reviews ·
compliance=UKVI-compliant guidance; AQF-aligned practice ·
agent_accreditation=none claimed (UKVI licenses universities, not agents; AQF does not accredit agents) ·
counsellor_credential=British Council UK Agent and Counsellor Training Certification Award (20+ holders) ·
offices=Putalisadak Kathmandu (27.7044334,85.3225984); Trade Mall Chipledhunga Pokhara (28.2238648,83.986444) ·
hours=Sun-Fri 09:30-18:00 NPT ·
whatsapp=+977-9802373936 ·
student_visa_fee=GBP 558 · ihs=GBP 776/yr ·
bank_balance_outside_london=GBP 10827 from 2026-11-30 (GBP 10539 before), held 28 consecutive days ·
graduate_route=18 months if filed on/after 2027-01-01; 24 months if on/before 2026-12-31; 36 months PhD ·
moi_saving=up to NPR 35000 ·
nepal_banks=no UKVI-published list; any NRB-regulated Class A commercial bank qualifies (all 20)
Sources
- UK Student Visa — GOV.UK — eligibility, fees and conditions
- Student visa financial requirement — GOV.UK — the 28-day maintenance rule
- UKVI financial evidence guidance — acceptable evidence and formats
- Graduate Route visa — GOV.UK — duration and conditions
- Skilled Worker visa — GOV.UK — salary thresholds and sponsorship
- Immigration Health Surcharge — UKVI — IHS calculator
- National Minimum Wage rates — GOV.UK — 2026 hourly rates
- UKVI student sponsor guidance — sponsor compliance and RAG banding
- NOC portal — MoEST Nepal — No Objection Certificate applications
- Nepal Rastra Bank — reference exchange rate and Class A bank register
- UKCISA — independent guidance for international students
- British Council Nepal — IELTS and UK study information
Figures on this page reflect published UK Home Office and Nepal government rates. Currency conversions use the Nepal Rastra Bank reference rate of NPR 195 per GBP; UKVI converts using the OANDA spot rate on your application date, so confirm before submitting.