How to Apply to Asia Pacific University (APU), Malaysia from Bangladesh

If you’re planning to study abroad from Bangladesh, proof of funds is the part students and parents fear the most. And honestly, it’s understandable. It’s one of the biggest reasons visas get refused—across the UK, Canada, Australia, Germany, and Europe.

Here’s what this really means: officers aren’t just checking whether you have money. They’re checking whether the money is legal, stable, and clearly explained. Too many students get rejected because their documentation is confusing, inconsistent, or prepared at the last minute.

This guide will give you the clarity most families never get until after a refusal. If you understand these rules early, your chances become significantly stronger.

I’m Asaduszzaman Shakil, CEO of Shakil Education Group. Every year, I see brilliant students lose their visa chances simply because their family didn’t prepare their financial documents properly.

The issue is rarely the amount. The real problem is timing, stability, and transparency.

Here are the patterns I see most often among Bangladeshi families:

• Sudden large deposits without explanation
• Using multiple sponsors unnecessarily
• No clear source of income
• Old or mismatched bank documents
• Depending fully on fixed deposits
• Not understanding the country-wise financial rules

When you prepare your proof of funds properly, your profile becomes clean, believable, and aligned with what visa officers expect.

Let’s break it down.

Different countries accept different types of financial evidence, but these sources are generally valid for most destinations.

1. Savings Account Balance

The most common and strongest option. The account should be stable for at least 28–180 days depending on the country.

2. Fixed Deposits (FDR)

Accepted when supported by:

• FDR certificate
• Bank letter
• Liquidation possibility

FDRs are strong, but not enough alone. They must be accompanied by bank statements.

3. Salary Account Statements

If your sponsor is a salaried person, this is essential. Officers check:

• Monthly salary
• Consistency
• Employment letter
• Tax deduction evidence

4. Business Income

Works well if the student’s parent owns a business. Documents may include:

• Trade license
• VAT documents
• Bank statements
• Income flow
• Rental agreements (if any)

Business income must match the bank activity.

5. Agricultural or Land-Based Income

Accepted when documented through:

• Land ownership papers
• Agricultural sales records
• Union or municipal certificates

6. Rental Income

Must show:

• Rental agreements
• Tenant information
• Bank deposits
• Matching property ownership

7. Provident Fund or Retirement Benefits

Accepted when:

• Documents are official
• Withdrawal or availability is proven

8. Sponsor Support (Parents, siblings, guardians)

A single sponsor is always better than multiple sponsors. If you must use more than one, all relationships must be clearly explained.

9. Affidavit of Support

Works as a declaration, not evidence. You must attach:

• Bank statements
• Income proof
• NID
• Relationship proof

An affidavit alone has no value.

These numbers are practical, updated, and realistic for Bangladeshi students.

United Kingdom (UK)

• Tuition fee: 1-year Master’s (varies)
• Living cost (London): £1,334 per month × 9
• Living cost (outside London): £1,023 per month × 9

Funds must be maintained for at least 28 days.

Canada

IRCC requires:

• Tuition: 1 year
• Living cost: CAD 20,635 per year
• Additional for spouse/child

Canada also checks income source very strictly.

Australia

• Tuition: 1 year
• Living cost: AUD 29,710 per year
• Travel cost: AUD 2,000
• Health insurance

Australia is extremely strict about unexplained funds.

Germany

• Blocked account: €11,208 per year
• Tuition (mostly free)
• Health insurance

Funds must be available before visa appointment.

Europe (Netherlands, Sweden, Finland, Italy, etc.)

• €7,000–€15,000 per year (varies by country)
• Clean source of funds required

Japan

• Tuition: 1 year
• Living cost: ¥1.2–¥1.5 million per year
• Sponsor income must match bank balance

South Korea

• Tuition: 1 semester or 1 year
• Living cost: KRW 12–15 million per year
• Proof of income is critical

These numbers give you a baseline to plan without guesswork.

Most refusals happen because people calculate wrongly.

1. Add tuition + living cost

Always show at least 1 year unless the country asks for more.

2. For multi-year programs

Show:

• 1-year tuition
• 1-year living cost
• Proof of financial stability for remaining years

3. For dependents

Add the required living cost per dependent.

4. Avoid sudden deposits

Any large deposit made within 1–3 months without explanation is risky.

5. Show source of income clearly

For example:

• Salary → salary slips + bank deposits
• Business → sales + bank deposits + documents
• FDR → certificates + bank letter

6. Avoid using more sponsors than necessary

One strong sponsor looks better than three weak ones.

Step 1: Choose who your sponsor will be

Parents are the most natural choice.

Step 2: Calculate total funds required

Use the amounts mentioned above.

Step 3: Ensure money is seasoned

Start preparing 3–6 months before your visa application.

Step 4: Gather documents

• 6-month bank statements
• FDR certificates
• Income proof
• Employment letter
• Trade license (for business owners)
• Rental agreements

Step 5: Maintain stable transactions

Avoid:

• Cash deposits
• Unusual transfers
• Large withdrawals

Step 6: Prepare sponsor documents

• Sponsor’s NID
• Relationship proof
• Income documents
• Affidavit of support

Step 7: Get a bank solvency letter

This confirms the sponsor’s financial stability.

These mistakes cause the most refusals:

1. Making sudden large deposits just before applying
2. Using unrelated sponsors (distant relatives, friends)
3. Mismatch between income and bank deposits
4. Fake certificates or manipulated bank accounts
5. Multiple sponsors without justification
6. Submitting incomplete statements
7. Giving an affidavit without actual financial evidence

When you avoid these, the visa process becomes much smoother.

How many months of bank statements do I need?
Most countries require 6 months. The UK requires 28 days.

Can my uncle or brother-in-law sponsor me?
 Only if the relationship and income are clearly documented. Parents are always better.

Can I use a student loan?
 Accepted in some countries, but must be from a recognised bank.

Do visa officers check tax history?
 Yes—especially for Canada and Australia.

Can I use multiple bank accounts?
 Yes, but all must be explained and connected to your sponsor.

How much balance is enough?
 It depends on the country’s living cost + tuition, not a random amount.

At Shakil Education Group, we review your financial documents line by line.
 We help you:

• Choose the right sponsor
• Calculate your required funds
• Prepare bank statements correctly
• Avoid risky transactions
• Organise documents for embassy submission
• Guide parents on clean financial documentation

Our goal is simple: make your file clear, believable, and strong.

Proof of funds doesn’t have to be stressful. With the right planning and correct documents, you can present a clean, transparent financial profile that satisfies any visa officer.

If you want your proof of funds checked before applying, reach out. My team is here to help you avoid the mistakes that cause unnecessary refusals.