Pick your destination and run the exact funding formula that country's visa authority applies — UK, Canada, US, Germany, Australia, New Zealand and Ireland.
UKVI Appendix Finance
28-Day Zero-Dip Rule: the lowest closing balance across the 28-day window must never fall below the required total, even for one day.
IRCC Student Direct Stream (SDS)
Funds must be verifiably yours (or your sponsor's) and traceable — IRCC flags sudden, unexplained lump-sum deposits.
USCIS §214(b) / I-20 Funding Requirement
Consular officers weigh both sufficiency and traceability of funds. Sponsor-funded applicants should show sponsor income comfortably above the 3× threshold.
Sperrkonto (Blocked Account)
Funds must sit in a recognised Sperrkonto provider (e.g. Expatrio, Fintiba) before the visa appointment — a regular bank balance is not accepted as proof.
Department of Home Affairs — Subclass 500
Funds must be assessed alongside Genuine Student (GS) requirements — a strong written statement matters as much as the balance itself.
Immigration New Zealand (INZ)
3-Month Statement Rule: funds must be held and traceable for at least 3 months before application. Tuition must already be paid in full, not merely budgeted.
INIS Stamp 2
6-Month Statement Rule: funds must be held and traceable for at least 6 months before application. Tuition must already be paid in full, not merely budgeted.