List of Approved Banks For UK Visa In Nigeria 2025
Embarking on the journey to the UK can be an exciting adventure, but the initial steps can be daunting. One crucial hurdle on this path is securing your visa, and for Nigerians, a significant part of that process involves demonstrating sufficient financial resources. This is where choosing the right bank becomes a critical decision.
The UK Visas and Immigration sets specific guidelines for acceptable financial institutions, and choosing one that doesn’t meet those criteria can put your whole visa application at risk. Fear not, as we will discuss a list of approved banks for UK visa in Nigeria.
List of Approved Banks for UK Visa in Nigeria (2025 Update)
No. | Bank Name | No. | Bank Name |
---|---|---|---|
1 | Access Bank Plc | 13 | Premium Trust Bank |
2 | Citibank Nigeria Limited | 14 | Providus Bank |
3 | Ecobank Nigeria Plc | 15 | Stanbic IBTC Bank Plc |
4 | Fidelity Bank Plc | 16 | Standard Chartered Bank Nigeria Ltd. |
5 | First Bank Nigeria Limited | 17 | Sterling Bank Plc |
6 | First City Monument Bank Plc | 18 | SunTrust Bank Nigeria Limited |
7 | Globus Bank Limited | 19 | Titan Trust Bank Ltd |
8 | Guaranty Trust Bank Plc (GTBank) | 20 | Union Bank of Nigeria Plc |
9 | Heritage Banking Company Ltd. | 21 | United Bank for Africa Plc (UBA) |
10 | Keystone Bank Limited | 22 | Unity Bank Plc |
11 | Parallex Bank Ltd | 23 | Wema Bank Plc |
12 | Polaris Bank Plc | 24 | Zenith Bank Plc |
Benefits of Using UKVI-Approved Banks
Using a UKVI-approved bank for your visa application offers clear advantages. These banks are recognized by the UK government, ensuring your payment is processed correctly. They help reduce errors and speed up the process, making your visa application more efficient.
- Reliable Payment Processing
UKVI-approved banks ensure that your visa fee payments are handled securely. These banks follow the UK government’s specific requirements, reducing the chances of payment issues or delays. This can make your visa application smoother and less stressful. - Accurate Documentation
When you use an approved bank, you receive proper receipts and documentation. This is crucial for your visa application, as UK Visas and Immigration (UKVI) requires specific formats and verification. Approved banks guarantee that all records meet UKVI standards. - Clear Financial Records
Approved banks provide clear and detailed bank statements. These statements are often necessary to prove your financial stability for the visa application. Using these banks ensures your financial records are in the correct format for UKVI review. - Faster Processing
By choosing an approved bank, you streamline the process. Since UKVI already recognizes these banks, your application is less likely to encounter delays due to payment or documentation problems. This helps you save time and move forward with your plans. - Easier Tracking and Support
If you have any issues with your payment, UKVI-approved banks typically offer customer support trained to handle UK visa-related transactions. This can help resolve any issues quickly without adding unnecessary complications to your application process.
Using a UKVI-approved bank provides a reliable, secure, and efficient way to manage your UK visa application payments and financial documentation.
How to Verify the Approved Bank Status
Verifying whether a bank is approved to handle UK visa payments is a straightforward process. Here are the steps to follow:
- Visit the UK Visa Website
The UK Visa and Immigration website lists all approved banks. Access the official site to check the most up-to-date information about which banks are authorized to accept UK visa payments. This ensures you’re dealing with a recognized financial institution. - Check with the Bank
Contact the bank’s customer service department. They can confirm their approval for UK visa payments and guide you through the payment process. - Consult VFS Global
VFS Global manages UK visa applications in Nigeria. Visit the VFS Global website for a list of authorized banks for visa fee payments. They provide detailed instructions and any new updates regarding approved institutions. - Look for Bank Notices
Approved banks often display notices or announcements in their branches or online, indicating they accept visa payments for UK applications. Check the bank’s official website or ask directly at the branch. - Use the Bank’s Online Services
Some approved banks allow you to make payments for UK visa applications online. If available, verify the bank’s online payment options on their website. It’s an easy way to ensure an authorized bank processes your payment.

Bank Statement Requirements for UK Visa Application
General Requirements
Statement Period:
- Visitor Visa: 3-6 months, showcasing consistent income and financial stability.
- Study Visa: 28 days, demonstrating readily available funds to cover your stay and living expenses.
Currency: Statements must be in GBP or accompanied by an official conversion certificate.
Specific Requirements
- Issuing Bank: You must have a UKVI-approved commercial bank in your home country.
- Statement Content: Display your name, account number, transaction details, and closing balance for the required period.
- Statement Format: Official bank stationery or electronic record (no handwritten statements).
- Authentication: Properly signed and stamped by the bank.
- Language: Translated into English if necessary.
Online Bank Statements: Acceptability and Conditions
In the age of digital convenience, many of us rely on online bank statements to manage our finances. So, can these digital documents help regarding your UK visa application, or do you need to trek back to the physical branch for a paper trail?
The answer lies in understanding the acceptability of an online statement and the conditions that make it visa-worthy.
The good news is that UK Visas and Immigration (UKVI) welcomes online bank statements as valid proof of funds for visa applications. It eliminates the requirement for physical copies and streamlines the application process.
But the story unfolds with conditions:
- Downloadable Statements: Your online statement should be downloadable as a PDF or other recognized format, not just screenshots or web pages.
- Official Source: Ensure your statement originates from the official website or mobile app of your UKVI-approved bank.
- Security Features: Look for security measures like digital signatures, timestamps, and watermarks to verify the document’s authenticity.
- Complete Content: The statement must include all the essential details, including your name, account number, transaction history, closing balance, and bank logo/contact information.
- Verification: UKVI may conduct independent checks with your bank to verify the statement’s authenticity. Be prepared to provide additional information or clarifications if needed.

Financial Requirements for UK Visa Applicants
The UK Visas and Immigration (UKVI) requires proof of transactions exceeding a certain threshold in your local currency over the past 3 months. This threshold varies depending on your visa type:
- Visitor Visa: Transactions exceeding £1,000 monthly for the past 3 months.
- Business Visa: Proof of adequate funds to cover your business expenses and living costs in the UK.
- Study Visa: Proof of funds to cover your living expenses and university tuition fees.
Meeting the minimum threshold is just the first step. Your bank statement should also demonstrate the following:
- Consistency of income: Regular income flow throughout the 3 months builds trust and shows financial stability.
- Financial responsibility: Avoid large, unexplained deposits or excessive withdrawals close to the application date.
- Sufficient funds for your trip: Tailor your bank statement to reflect your estimated UK travel costs, including accommodation, food, transportation, and additional expenses.
Now, here are some pro tips for financial preparedness:
- Plan ahead: Start saving and maintaining consistent income before your visa application.
- Budget wisely: Estimate your UK travel expenses and adjust your savings accordingly.
- Consider sponsorship: If your finances are insufficient, explore sponsorship options from family or friends.
- Seek professional guidance: Consult a visa specialist to demonstrate adequate financial resources.
Verification of Bank Statements by the UK Embassy
Process of bank statement verification by the UK Embassy
As you embark on your journey to the UK, your bank statement becomes crucial evidence demonstrating your financial stability. However, the UK Embassy may implement verification procedures to prove its legitimacy. Understanding this process and its implications is crucial for a smooth visa application.
The UK Embassy employs two main methods to verify your bank statements:
- Direct Contact: The Embassy may directly contact your bank to confirm the authenticity of your statement. It might involve requesting transaction details or confirming account information.
- Electronic Verification: Some banks offer online verification services through the UKVI website. This process allows the Embassy to electronically access and verify your bank statement information.
- Third-Party Verification: Sometimes, the Embassy may use a third-party service to verify your bank statement. This typically involves providing the service with your bank account details and authorization to access your statement.
Consequences of submitting forged or altered bank statements
Submitting forged or altered bank statements is a severe offence and can have significant consequences, including:
- Visa Refusal: Your visa application will likely be refused if the Embassy discovers discrepancies or inconsistencies in your bank statement.
- Travel Ban: You may be barred from entering the UK for a certain period.
- Criminal Charges: Based on the severity of the offence, you could face criminal charges in your home country or the UK.

Using a Joint Account for UK Visa Application
Using a joint account for your UK visa application can be beneficial in several ways:
- Increased Funds: Combining your resources with another account holder can quickly meet the required amount.
- Demonstrated Stability: A joint account with consistent income deposits can showcase financial stability and shared living expenses.
- Family Ties: A joint account can emphasize financial interdependence and commitment for spouse visas.
However, navigating the path with a joint account requires careful consideration:
- Approved Bank: Ensure the bank where your joint account exists is an approved UKVI institution.
- Account Holder Requirements: All named account holders on the statement must be applying for the visa together.
- Proof of Contribution: If one holder significantly contributes to the funds, consider a signed letter stating their financial support.
- Transaction History: The statement should showcase regular income flow and responsible financial management.
- No Sudden Influx: Avoid large, unexplained deposits close to the application date.
Each joint account holder must provide additional documents:
- Valid Passport: Proof of their identity and nationality.
- Proof of Relationship: Marriage certificate, civil partnership documentation, or evidence of cohabitation.
- Financial Contribution Proof: Payslips, bank statements, or other documents to confirm their financial contribution to the joint account.
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Additional Documentation and Considerations
Important documents required for the UK visa application
Beyond your bank statement, the UK Visas and Immigration (UKVI) requires essential documents depending on your visa type:
- Valid Passport
- Proof of Identity and Address
- Proof of Employment
- Travel Itinerary and Flight Reservations
- Medical Evidence
Leave Approval and Employment Documents
For work-related visas, specific requirements apply:
- Leave Approval
- Sponsorships
- Professional Qualifications

Frequently Asked Questions
How To Get a UK Student Visa from Nigeria?
First, apply online for a UK student visa via the UK government website. Complete the visa application form, pay the fee, and book an appointment with a visa application centre. Submit your documents, including proof of acceptance at a UK educational institution, financial support, and a valid passport. Attend a biometric appointment and wait for a decision.
How much is the UK Student Visa Fee in Nigeria?
The UK student visa fee for Nigerian applicants is approximately £363 for a general student visa. Additional fees may apply depending on the length of stay or if you’re applying for a short-term study visa. Check the latest fee on the UK Government’s visa website or the visa application centre for any changes or updates.
Which bank statements are acceptable in Nigeria for UK visas?
Bank statements from recognized Nigerian commercial banks are acceptable for UK visa applications. These should show your financial ability to support yourself while studying in the UK. The statement must be printed on official bank paper and show your name, account number, and recent transactions. Ensure the balance meets UK visa requirements.
How long does it take for a UK Student Visa to be approved?
The UK student visa processing time in Nigeria is typically around 3 weeks from your appointment at the visa application centre. However, it can vary depending on the complexity of your application and the volume of applications at the time. Always apply well in advance to avoid delays.
How do I know if my UKVI visa is approved?
You’ll be notified by email once your UK student visa is approved. If your application is successful, you’ll receive a visa vignette in your passport. In case of refusal, you will be informed about the decision and its reasons. You can track your visa status via the UKVI portal.
Can I switch banks after submitting my UK visa application?
Generally, avoid switching banks after submitting your application. The UKVI may request additional documents or explanations, potentially delaying or complicating your case.
How Much is Proof of Funds for UK Student Visa in Naira?
You must prove you have enough money to cover your living expenses and tuition fees for a UK Student Visa. The required living costs are £1,334 per month for students in London and £1,023 per month for those outside London. This is approximately ₦1,000,000 to ₦1,300,000 monthly, depending on the exchange rate.
How recent should my bank statement be for a UK visa application?
Your bank statement should be no older than 28 days at the time of your visa application. The UK authorities typically require recent proof of funds to ensure you can support yourself during your stay. Ensure your statement clearly shows your name, account number, and balance for easy verification.
How to Count 28 Days Bank Statement?
To count the 28-day bank statement for your UK visa application, start from when you submit your application. Ensure the statement covers the last 28 consecutive days before the application date. The bank statement should show your account balance and transaction history during this period, proving financial stability.
Can I use a bank statement from an online-only bank for my UK visa?
Yes, you can use statements from online-only banks, provided they’re UKVI-approved
What should I do if my bank is not on the approved list for UK visas?
You cannot use its statements if your bank isn’t on the list. Consider switching to an approved bank or exploring alternative proof of funds options with a visa specialist.
How UK Embassy Verify Bank Statement?
Verification methods include direct contact with your bank, electronic verification, or third-party services. They may request additional documents to confirm authenticity.
Can I use a relative’s bank statement for my UK visa application?
Yes, you can use your relative’s statement for financial support. Provide them with a signed letter of support and proof of their financial means.
Conclusion
The List of Approved Banks For UK Visa In Nigeria highlights the key financial institutions where you can submit bank statements for UK visa processing. Understanding this list is crucial for a smooth visa application process. We’ve covered the details of each bank, ensuring you know where to go for the required documentation. If you’ve had any experiences with these banks, feel free to share your thoughts in the comments section below!