Cash Savings and Paragraph 11(a) of App. FM-SE

[manicminer]

Could someone give a definitive answer on the actual meaning and/or interpretation of the following paragraph from Appendix FM-SE of the immigration rules?

11. In respect of cash savings the following must be provided:
(a) Personal bank statements showing that at least the level of cash savings relied upon
in the application has been held in an account(s) in the names of the person and
their partner jointly throughout the period of 6 months prior to the date of application.

Example:

• Date of Application = 1 Dec

• Period of 6 months prior to this date begins on 1 June

• Therefore, bank statements need to be dated from at least from 1 June and no earlier than 31 Jan.

Does this mean that bank statements need to be provided (and possibly translated) that are dated no earlier than on the day before the application?

The 28-day rule doesn't seem to change or alter the requirements stated in paragraph 11(a). Or does it?

How is this practical (if true)?

[manicminer]

Correction

Date of Application = 1 Dec
Period of 6 months prior to this date begins on 1 June
Therefore, bank statements need to be dated from at least from 1 June and no earlier than 30 Nov. (correction)?

[seagul]

3.3.8. Where Appendix FM-SE requires the applicant to provide specified evidence relating to a
period which ends with the date of application, that evidence must be dated no earlier
than 28 days before the date of application.
3.3.9. Any documentary evidence must be the original (not a copy) unless indicated otherwise in
Appendix FM-SE. For further information on evidential flexibility please see section 3.4
of this guidance.
3.3.10. Where a specified document is not in English or Welsh, the applicant must provide the
original and a full translation that can be independently verified by the decision-maker.
This translation must include contact details for the translator or the translation company
and confirmation that it is an accurate translation of the original document. It must also
be dated and include the full name and original signature of the translator or an
authorised official from the translation company. For applications for leave to remain or
indefinite leave to remain (but not for entry clearance) certification by a qualified
translator and confirmation of the translator/translation company’s credentials must also
be provided.

https://assets.publishing.service.gov.u ... -ext_1.pdf

[manicminer]

Thanks Seagull

Are you saying that essentially, the date of the final bank statement is treated as if it were the date of application? (providing it is no older than 28 days before the application date). This would make sense.

This would mean that the specified evidence can actually cover less than a 6 month period (up to 28 days less) if this is the case, as long as the evidence goes back at least 6 months prior to the date of application.

[seagul]

This would mean that the specified evidence can actually cover less than a 6 month period (up to 28 days less)

No it should cover the whole previous 6 months without even a gap of one single day and the required balance of cash savings must never have been fallen on any single day during that period.

[manicminer]

Ok, so would I be correct in saying that this would mean, in effect, that the applicant would need to obtain a bank statement ending ON the date of application?

They would presumably have to order this bank statement from their bank ON the date of application, submit the application, then wait a few days for it to arrive, and then upload it or have it scanned before the date of biometric enrollment.

[CR001]

Or go into the bank and get them printed.

[manicminer]

Ok, got it. Thanks.

So, the 28 day rule here is essentially irrelevant since the bank statements have to end on precisely the date of application anyway?

Some banks, unforunately only issue official statements by post, and won't issue any in branch, but that's not a major issue, and as far as I'm aware, biometrics appointment dates can be changed on VFS in case there is a delay in issuance.

[seagul]

Ok, got it. Thanks.

So, the 28 day rule here is essentially irrelevant since the bank statements have to end on precisely the date of application anyway?

Some banks, unforunately only issue official statements by post, and won't issue any in branch, but that's not a major issue, and as far as I'm aware, biometrics appointment dates can be changed on VFS in case there is a delay in issuance.

If you still haven't understand the 28 days rule then better to forget it than doing any mistake but only focus on providing the last 6 months of bank statements from the date of application. If you are using internet banking then maybe able to download the bank statements in pdf format which resembles to original version and will be fully acceptable.