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The financial requirement rules that apply to spouse visa applications are complex and can difficult to meet. Batley Law’s Waseem Nazir looks at how cash savings can be used to meet the requirements.

How much cash savings do you need to meet the minimum income threshold alone?

This varies depending on whether you are applying with any dependent. If there are no dependent children, the financial threshold that applies to your case is £18,600. Therefore, in such a case, you would need to have cash savings of £62,500 to meet the financial requirement.

How do you calculate cash savings?

Firstly, Identify the lowest figure as seen in the bank account in the 6 months prior to submitting the online application

Then, Minus 16,000 from this figure. This is because the first £16,000 of cash savings is disregarded and cannot be counted towards the financial requirement.

Divide your answer by 2.5.

See the following Case Study Example, of an actual case that was dealt with by Batley Law, and resulted in a positive outcome.


Imran (not real name) had been employed in his job for more than 6 months. He provided all the required documents including wage slips, bank statements, P60 and his employment contract. In the past 6 months, Imran’s gross annual salary was £15,000. Therefore, he did not meet the financial requirement.

However, Imran was advised that he may use cash savings to make up the shortfall.

Imran had savings of more than £40,000. Remember, he had a shortfall in his annual income of £3,600.

Using the above formula:

£40,000 minus £16,000 is £24,000.

£24,500 divided by 2.5 is £9,600.

Imran can include up to £9,600 towards the financial requirement using cash savings. Imran’s gross employment income was £15,000, he meets the financial requirement by combining employment income and cash savings.

Can I combine Employment Income and Cash Savings for UK Spouse Visa?

Yes. If the Sponsor has been employed with the current employer for more than 6 months, but the total income is less than the financial threshold (usually £18,600), then cash savings can be used to make up the shortfall.

Is there anything else I need to know if I am relying on cash savings as part of my UK Spouse Visa application?

Yes. You should keep in mind the following:
1. The bank account must be a financial institution or Bank that is regulated by a regulatory body such as the Financial Conduct Authority;
2. The bank or savings account must be a current, deposit or an investment account.
3. You need to provide full bank statements showing the Sponsor’s details and account details;
4. The statements should cover the full period required;
5. The saving must be held in cash;
6. The savings must be under the control of the Sponsor and/or Applicant;
7. The source of the funds must be legal

By Mrs Cocobb Luqman

Cocobb Luqman is one of the specialist immigration lawyers at Batley Law. If you would like to speak to Cocobb or any of our team, you can fill out your details on this contact form, and one of our team will be in touch.

The Law Society - Immigration & Asylum

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