When applying for a visa, a recent bank statement is one of the most important documents you must present. This document acts as proof of your financial capability. It reassures the visa-issuing authorities that you can afford to travel and sustain yourself during your stay abroad without relying on unauthorised employment or public funds.

Why Bank Statements Matter for Visa Applications?

When applying for a visa, one of the most crucial documents you'll need to provide is a recent bank statement. It serves as proof of your financial stability and helps consular officers evaluate whether you can support yourself during your stay abroad.

Atlys is here to guide you through how to download your bank statements from major Indian banks easily, so you're well-prepared for your visa application.

HDFC Bank

Via Net Banking:

• Log in to your HDFC net banking account with your Customer ID and password.

• Go to the "Enquire" section.

• Click on "A/c Statement – Current and Previous Month" or "Download Historical Statement".

• Choose the relevant account, date range, and format (PDF is preferred).

• Click "View" or "Download" to save the file.

Via Mobile App:

• Log in to the HDFC Mobile Banking app.

• Navigate to "Save" > "Accounts".

• Select the account and tap "Statement".

• Choose to either download the statement or receive it via email.

ICICI Bank

Via Net Banking:

• Log in to the ICICI Net Banking portal.

• Go to the "Accounts" or "e-Statements" section.

• Select your account and preferred time period.

• Click "View Statement" or "Download e-Statement" and select the format.

Via Mobile App:

• Open the iMobile app and log in.

• Navigate to "Services" > "Account Services".

• Choose "Interest Certificate" or "Account Statement".

• Enter the date range and download the PDF.

Kotak Mahindra Bank

Via Net Banking:

• Log in to Kotak Net Banking with your credentials.

• Navigate to "Statements" or "Services".

• Choose your account and date range.

• Download the PDF statement.

Via Mobile App:

• Open the Kotak Mobile Banking app and log in.

• Tap on the "Statement" option.

• Choose the account and statement duration.

• Download the file in PDF format.

Axis Bank

Via Net Banking:

• Log in to your Axis Bank net banking account.

• Go to the "Accounts" or "E-Statements" section.

• Choose the desired account and date range.

• Select the format (PDF) and download.

Via Mobile App:

• Open the Axis Bank app and log in.

• Navigate to "Account" or "Credit Cards".

• Select "View Statement" or "Email Statement".

• Pick the date range and download the statement.

Via SMS:

Send an SMS in the format:

• ESTMT <last 5 digits of account number> <From Date> <To Date> to 56161600 from your registered mobile number.

Via Axis Support Website:

• Visit the Axis Support portal.

• Select "Download Statement Using Registered Mobile Number".

• Enter your mobile number and OTP.

• Choose the account and period, then download the statement.

IndusInd Bank

Via Net Banking:

• Log in to the IndusNet online banking portal using your User ID and password.

• Click on "Accounts" from the navigation bar, then select "Savings and Current Accounts".

• Choose "Statements" and select the type (Mini Statement, Adhoc Statement, or Monthly Statement).

• Select "Download as PDF" to save the file.

Via Mobile App:

• Log in to the IndusInd Bank mobile app.

• Go to the "Accounts" or "Deposits" section.

• Navigate to "Statements" or "Download Statements".

• Select the desired statement type and download the PDF.

Punjab National Bank (PNB)

Via Net Banking:

• Log in to the PNB Internet Banking portal using your credentials.

• Go to "Manage Accounts" and click on "Account Statement" under "My Shortcuts".

• Choose your account and select the statement period.

• Click the download option to save the statement as a PDF.

Via Mobile App (PNB One):

• Log in to the PNB One app.

• Navigate to the "Statement" or "Account Statement" section.

• Select your account and the required timeframe.

• Download the statement in PDF format.

Bank of India (BOI)

Via Net Banking:

• Log in to the BOI Net Banking portal with your username and password.

• Navigate to the "Accounts" or "Transactions" section and select "Account Statement" or "Download e-Statement".

• Choose the account and the desired statement period.

• Download the statement as a PDF.

Via Mobile App:

• Download and log in to the BOI mobile app.

• Go to the "My Account" section to access your account summary.

• Select either the mini statement or the full mPassbook.

• Download or email the PDF statement.

State Bank of India (SBI)

Via Net Banking:

• Log in to SBI’s net banking portal.

• Click on "My Accounts" > "Account Statement".

• Choose the relevant account and select the date range.

• Download the statement in PDF or Excel format.

Via SBI App:

• Log in to the YONO SBI app.

• Go to "My Accounts".

• Select your account and tap the passbook icon to download the statement in PDF.

Things to Keep in Mind for Bank Statements for Visa Application:

• Use the correct date range and format.

• Bank statements should be generated 7-10 days before the appointment date

• Don’t submit old statements — they may be rejected.

• Avoid cropped screenshots or summaries without your full name.

• Ensure all pages are included and have official stamps or signatures.

• Do not password-protect the file — it will be instantly rejected.

• For all Schengen Visas, the bank statements need to be signed and stamped by the bank.

Understanding the specific bank statement requirements of each country is essential when applying for a visa. Different nations have different expectations regarding the duration, format, and financial details shown in bank statements. Submitting documents that don’t meet these requirements could delay your visa approval, or even lead to a rejection.

Country-Specific Bank Statement Requirements

Let’s take a closer look at what major countries typically ask for when it comes to bank statements:

Schengen Countries (France, Germany, Spain, etc.)

• Requirement: Bank statements from the last 3 months.

• Purpose: To show regular income, consistent financial activity, and that you can afford your travel and stay.

• Tip: Ensure the statements clearly display your name, account number, and current balance. Avoid showing large, unexplained deposits.

United States

• Requirement: Generally, 6 months of bank statements are needed.

• Purpose: To prove long-term financial stability, especially for B-1/B-2 tourist visas or F-1 student visas.

• Tip: Statements should show consistent savings or income sources, such as salary credits or sponsor support (if applicable).

United Kingdom

• Requirement: Typically 6 months, particularly for Standard Visitor or Tier 4 Student visas.

• Purpose: To demonstrate your ability to fund your trip or studies without relying on public funds.

• Tip: Statements from multiple accounts can be provided, but each must meet the 6-month threshold and be official.

Australia

• Requirement: For visitor and student visas, 6 months is standard.

• Purpose: To verify that you or your sponsor has sufficient funds to cover living expenses, tuition (if applicable), and travel.

• Tip: Avoid submitting summaries or screenshots; full statements are required.

New Zealand

• Requirement: Generally asks for 6 months of financial records.

• Purpose: To confirm your ability to support yourself during your stay.

• Tip: Include evidence of employment or other income sources to support your statements.

Visa applications can be daunting, especially when it comes to financial documentation. But by understanding each country’s requirements and ensuring your bank statements are up to standard, you greatly increase your chances of a successful outcome.

With Atlys, you’ll have the tools, guidance, and peace of mind to confidently download, prepare, and submit your bank statements accurately and on time.