Question regarding multiple bank statements to submit for UK visa

Question

I have applied for a UK tourist visa and I understand I need to submit 6 months of bank statements, which show my salary being credited to my account. I'll also be submitting 6 months of pay slips.

Now while my bank statements do show the salary being credited every month into my account (origin of funds) I also have another bank account where I keep transferring a fairly good amount of money from my salary account to that bank account from time to time. I usually pay my day-to-day bills and transactions from that account while I pay larger bills (like rent, etc) from my salary account. So the transactions to my secondary bank account are shown in the bank statements.

So my question is should I be submitting just my salary account bank statements or should I submit both my bank accounts statements for the last 6 months?

Also in my application I have put down my monthly expenditure as X and that is more or less from both the accounts combined.

PS: I have also made two large deposits from my salary account to my other account (around 2,500 + 2,500 pounds) for the purpose of the trip in the last 2 weeks so those will also show up in my latest transactions.

Answer 1

should I be submitting just my salary account bank statements or should I submit both my bank accounts statements for the last 6 months?

You need to provide both sets of statements so that UKVI can get the full picture. It’s not just about proof of funds. See Should I submit bank statements when applying for a UK Visa? What do they say about me? The way you operate your two bank accounts is very common; ECOs will be used to seeing it and able to follow it.

In a comment you asked:

Would I also need to mention anything about it in a cover letter or is it okay if I just submit both my bank statements?

Either should be fine. If you’re worried the ECO might miss or misunderstand something in the statements, you can explain in the covering letter.