I'm applying for an UK visa, and while I am sure that I have more than enough money to travel, I am a bit confused which bank statements should I present.
I've read a great answer at Should I submit bank statements when applying for a UK Visa? What do they say about me? , but it deals mostly with one bank account, and I have many of them.
I'm employed at one of the biggest Russian IT companies, earning ~£2000 per month in ordinary salary and somewhat more (~£3000 per month on average) in company options (stocks). The former can be easily proved by a letter from my employer, my bank statement and tax statements. The latter is a bit more difficult, as these options vest irregularly, and I sell them irregularly.
I have many bank accounts:
- One account (in RUR) where I have my salary deposited. I seldom spend money from this account, most often I transfer them to the second account (see below).
- One account (in RUR) in another bank; from time to time I transfer the money from the first account to this account and do most of the spendings from here.
- Also I had an account (in RUR) in a third bank that I used to have my salary deposited to, but I closed it in January, switching to the abovementioned account.
The balance on these accounts vary between £500 and £5000.
- Also I have two accounts in USD and EUR in the second bank, the total balance is about £10000, but they see little activity (only when I sell some options and do investments, see below). These are the money that I actually am going to spend in the UK (although I expect total spending for the trip to be about £5000-7000).
The bulk of money I spend for investments, and I have three investments accounts totalling at about £80000. Like with any long-term investments, there is little activity, but these accounts may explain where my earnings go to and why I do not accumulate large sums on my main bank accounts.
- Should I present bank statements from all (five) my bank accounts? Will not this overburden whoever will be inspecting my application?
- Should I also present statements from investments accounts?
- Should I present some proofs that I have options as they form more than a half of my income?
- Should I probably add some explanation of all my bank usage patterns (similar to what I have written here)?
Also (should I ask this as a separate question?), I am going to UK with my wife, who does not earn that much. Should I write a sponsor letter and attach all my statements to her application also, or they will be processing our applications together in any case?
The answer linked above says:
In these cases the primary applicant's bank statements will be used to assess the family's circumstances as a whole. The UK approves thousands of family applications each year.
So it implies that there is a "primary applicant", so that family applications are processed together. Is this true?