Can I present statements from two different accounts as proof of funds?

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Accepted answer

There are a few things that the officer is looking for when they look at your bank statements:

  • Does your income and expenses match what you have stated in the application, and what you have provided as other documentation? For example, does the salary you mention actually get deposited in the account?
  • Does the account activity have any suspicious transactions? For example, are there any large unexplained deposits? This can be an evidence of funds parking, which is a way to "pad" your balance in hopes of showing a strong finance position than what you hold.
  • Are the costs of the trip going to be a financial burden for you? For example, you state in your application that you are paying for the hotel, the airplane ticket and will be supporting yourself. If the average sum required for this (and it differs per country) a significant percentage of your income? If so, you may be at risk of not being able to support yourself.

So, if you mention in your employment letter that you have started your job 4 months ago with X salary and the same X salary is deposited in your new account, this is fine.

If you know that the balance and activities in your new account are not sufficient for the purposes of demonstrating your financial position, you can submit statements of your other accounts.

Keep in mind it is very common for people to have a savings account and a current (or salary) account. They often submit statements of both as proof of accessible funds; so the officers are used to seeing multiple bank statements from applicants.

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