Update for applications from 30 November 2026: the Student visa living-cost requirement rises to £1,570 a month in London and £1,203 a month outside London (up to 9 months), under Statement of Changes HC 584. Applications made before that date still use £1,529 and £1,171. Always confirm the current figures on GOV.UK.
Getting your student visa right matters just as much as getting your university offer, mess up the timing or the paperwork and you can delay your start date by months. This guide covers the full process, from the points-based system to what happens once you land, and links out to detailed guides on the trickier parts like ATAS and financial evidence.
The Points-Based Immigration System
The visa runs on a points-based system, you need 70 points total, split across three non-negotiable areas:
- Study (50 points): Having a CAS from an approved educational sponsor.
- Financial (10 points): Showing you have the funds to cover tuition and monthly living costs.
- English Language (10 points): Proving your proficiency through a secure English language test (SELT).
Miss any one of these three and the application fails, there's no partial credit, so make sure all three are genuinely solid before you submit.
Financial Evidence and Maintenance Funds
One of the most common reasons applications get refused is insufficient financial documentation. You need to prove you have enough money for one academic year’s tuition fees (as stated on your CAS) plus living expenses. For the 2026 intake, if your university is in London, you need £1,529 per month; outside London, it is £1,171 per month. This money needs to sit untouched in a regulated bank account for at least 28 consecutive days before you apply, our full financial requirements guide covers this rule in detail.
The Immigration Health Surcharge (IHS) and TB Testing
You'll also need to pay the Immigration Health Surcharge as part of your application. This payment grants you access to the UK’s National Health Service (NHS) during your stay. Furthermore, students from many African nations must provide a valid Tuberculosis (TB) certificate from a clinic approved by the Home Office. Missing this medical clearance where it's required is a genuine, avoidable reason for rejection.
Visa Application Overview
| Requirement | Details for 2026 | Status |
|---|---|---|
| Application Fee | £558 (Outside UK) | MANDATORY |
| Processing Time | Around 3 weeks (standard) | ESTIMATED |
| IHS Health Surcharge | £776 per year | REQUIRED |
| Work Allowance | 20 hrs/week (Term time) | INCLUDED |
Preparing for the Credibility Interview
Some applicants are invited to a short credibility interview, a conversation with a visa officer to confirm your intentions to study are genuine. If you're called for one, be ready to explain why you chose your specific university and how the degree fits your longer-term plans.
Genuinely knowing your course modules helps here, and being straightforward about how you're funding your stay matters more than a polished answer. Honesty and preparation are what actually get these interviews through smoothly.
Post-Arrival: Your eVisa
Physical BRP cards have largely been phased out. Instead, your visa status now lives in a digital eVisa linked to your passport, which you access and prove through a UK Visas and Immigration online account. Set this account up as soon as your visa is approved, you'll need it constantly, for renting a flat, opening a bank account, starting a job, and travelling in and out of the UK.
Your eVisa is what proves your right to study, your right to work within your permitted hours, and your right to access the NHS. Double check the details on your account as soon as it's set up, name spelling and course dates especially, since errors here can genuinely cause problems later with landlords, employers, or banks checking your status.
Once your CAS arrives, start your application on the official GOV.UK site without delay. Get the documentation right the first time and this stops being the stressful part of the process, leaving you free to focus on actually preparing for your course.
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Free tool: use our UK Student Visa Financial Requirement Calculator to work out exactly how much you need and when you can safely apply.
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