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UK visa officers do not read bank statements casually. They break them down line-by-line, often analysing three months of transactions in an Excel-style format before taking a refusal decision.In this video, I explain exactly how UK visa officers analyse bank statements for visa decision. Chapters 0:00 – UK Visa Bank Statements: How Officers Analyse Your Finances 0:54 – Real Case Study: Why This UK Visitor Visa Failed 1:17 – August Bank Statement: Early Red Flags UKVI Notices 6:26 – September Statement: Inconsistent Income Problems 10:07 – October Statement: Unexplained Large Deposits 16:50 – Credit Cards, Debt & Why UKVI Checks Them 17:49 – Recap: Bank Statement Mistakes That Cause Refusal 21:50 – Mandatory Financial Documents for UK Visa Applications 24:08 – Rule 4.2E Explained: Economic Resources Requirement 26:13 – Final Decision: UKVI’s Reasons for Refusal 29:39 – How to Fix These Issues Before Reapplying 33:24 – Final Advice for a Strong Financial Application I walk you through a transaction-level explanation, similar to how a visa officer assesses statements internally — so you understand what gets flagged and why visas are refused. This video is essential if you are applying for: UK Student Visa UK Visitor Visa UK Dependant Visa UK Skilled Worker Dependant If your funds look “sufficient” but your visa was refused — or you want to avoid refusal before applying — this video explains what most applicants are never told. 🔔 Subscribe for practical, legally-aware guidance on UK visas, refusals and financial compliance. UK visa bank statement analysis UK visa officer bank statement check UK visa refusal transaction history UK student visa bank statement explained UK visa rejected non-genuine funds Regulatory Disclosure: Member of the Bar of England & Wales. Authorised to conduct unreserved legal services. No Rights of Audience. Legal Disclaimer: This video is for educational purposes only and does not constitute legal advice. UK immigration rules and visa officer practices change regularly, and decisions are made based on the latest applicable guidance and individual circumstances. You should seek personalised advice from a qualified legal professional before making any visa application.