I have multiple accounts under the same bank for different purposes, which should I present?
Does the visa officer want to check if I have enough money in my savings maintained consistently over a period or to see my day to day expenses and transactions showing flight/accommodation bookings?
My accounts are:
- Account 1 - Savings
Where my salary is deposited. I transfer some money every month to another high interest personal account for saving purposes. These account statements only show my salary being deposited and then money transfers to my internal accounts (transaction account and credit card).
My bills and day to day expenses, everything I pay from my credit card (and settle in full or partially on due date) is by transfer from here.
- Account 2 - High interest savings
Opened early 2016, it shows money coming in, in various amounts, every month and holds a balance around 10 K.
- Account 3 - Everyday transactions
I transfer money here from Savings for expenses I cannot pay by credit card, such as rent and car loan, and any cash withdrawals. I do not keep any balance in this account hence I do not want to submit a statement for it.
I feel as I should present my high interest savings account (Account 2) opened last year as it has the significant balance but when I print off the statements it just shows money coming in to the account with description Savings or Europe.
Would the officers reject it stating they can't determine how money got into it?
I can also give the statements of my Savings account where salary is being deposited but even that wouldn't show my monthly expenses.
Do they need to see my monthly expenses?
My expenses are all on credit card except for rent, so do I need to submit credit card statements as well?
I read before they really don't care about credit cards but are concerned about bank accounts.