Planning your living expenses is an important part of preparing to study in the UK. Your actual costs will depend on factors such as your specific UK nation (England, Scotland, Wales, or Northern Ireland), city (London vs. outside London), accommodation, food, transportation, study requirements, and lifestyle.

Education costs

To apply for a UK Student Visa, you must demonstrate that you have enough money to support yourself (and any eligible dependants) during your stay. Your financial plan must account for your tuition fees and living expenses for up to nine months.

As per UK Visas and Immigration (UKVI) guidelines [1], you must demonstrate you have £1,529 per month (up to a maximum of £13,761 for 9 months) if studying in London, or £1,171 per month (up to £10,539 for 9 months) if studying outside London. (Note: These figures will increase to £1,570 and £1,203 per month, respectively, starting November 30, 2026 [1]). These funds must be held in your bank account for at least 28 consecutive days. Financial requirements update periodically, so always verify the latest GOV.UK guidelines before applying.

What to Include in Your UK Study Budget

Your overall budget should consider both study-related and day-to-day expenses, including:

• Tuition fees — based on your chosen institution and program
• Accommodation — residence, shared accommodation or private rental
• Food and groceries
• Local transportation
• Health insurance
• Books, supplies and other study materials
• Student Visa application fees and Immigration Health Surcharge (IHS)
• Travel to and from the UK
• Personal and emergency expenses

Student Visa Application Fee & IHS

The standard UK Student Visa application fee is currently £558 per applicant if applying from outside the UK [1]. Additionally, international students must pay the Immigration Health Surcharge (IHS), which is £776 per year of study, granting access to the UK’s National Health Service (NHS). Additional fees apply for priority processing or biometrics. Check the official GOV.UK fee portal before applying, as government fees regularly change.

It is also wise to keep an emergency fund for unexpected expenses during your studies. Your institution may have student support services that can help you understand available resources if you experience financial difficulties.

Financial Requirements for a UK Student Visa