I made a "genius" decision at some point last year to keep transferring most of my income to my savings account, and only kept what was necessary for me to spend for that month in my current account (for budgeting reasons). My account is an instant saver account, which means I can simply transfer the money back to my current account immediately. At one point, I had like £50 in the current account.
Now that I am doing my wife's spouse visa application, this decision is coming to bite me (in an unpleasant area). My question is, will it be an issue that my funds are so low in my current account? (I decided to stop doing this mid-September)... I have not seen anything regarding a minimum required amount in a bank account in Appendix FM Sec 1.7 (Financial Requirement).
I am planning to submit both my current and savings account bank statements. Do I need to point this out in a cover letter? Or should I just leave it at that - i.e. submitting both my bank accounts' statements and nothing else?
Please note that I am relying on Category B in the Financial Requirement (mainly because I am earning over £30k, and I received a salary increment in Jan this year).
Thank you all for your replies
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