Bank Account Strategy
We help you choose the right UK business bank account that works with your visa status. Some banks require proof of address dating back years – we know which ones have more flexible policies for international students.
Building Your UK Startup Journey
Starting a business in the UK presents unique opportunities for international students. Our financial guidance helps you understand startup funding, visa requirements, and practical steps to launch your venture during or after your studies.
Schedule Consultation
We work with students from over 40 countries who are navigating UK entrepreneurship regulations while completing their degrees.
Financial Requirements You'll Face
The UK has specific financial rules for international students wanting to start businesses. These aren't just bureaucratic hurdles – they're designed to ensure you can support yourself while building something sustainable.
Graduate Visa Pathway
After completing your degree, the Graduate visa gives you two years to develop your business idea. You'll need to show maintenance funds of £1,334 per month in your bank account for at least 28 consecutive days before applying.
Start-up Visa Route
If you have an innovative business idea endorsed by an approved body, this visa doesn't require initial investment funds. However, you must prove you can support yourself – typically around £1,270 per month held for 90 days.
Innovator Founder Visa
This requires £50,000 investment funds unless your endorsing body confirms the money is available from them. You'll also need maintenance funds of £1,270 held for 28 days. The investment must go into your UK business.
Student Visa Limitations
While on a Student visa, you can be self-employed and start a business, but there are work hour restrictions during term time. You cannot take a full-time director role or be the majority shareholder in most cases.
Typical Financial Timeline
Months 1-3: Research Phase
Budget around £500-800 for market research tools, business plan development, and initial legal consultations. Many students underestimate these early costs.
Months 4-6: Registration Period
Company formation costs £12-50 depending on method. Add £200-400 for accounting setup and initial compliance. Bank account opening can take 2-4 weeks with proof of address requirements.
Months 7-12: Launch Phase
Initial operating costs vary widely. Expect £2,000-5,000 minimum for a lean digital startup. Physical products or services need substantially more – often £10,000-20,000 to reach first customers.
Beyond Year One
Annual accounts filing costs £150-300 with an accountant. Visa renewals require ongoing proof that your business is progressing and you're meeting financial maintenance requirements throughout.
How We Help You Navigate This
Financial planning for international student entrepreneurs isn't like standard business advice. Your situation involves immigration rules, currency exchange considerations, and restrictions most UK founders never face.
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Cash Flow Planning
Your income might come from multiple countries while you have expenses in pounds. We create realistic cash flow projections that account for currency fluctuations and the actual timing of international transfers.
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Compliance Documentation
Visa applications and renewals need specific financial evidence. We help you maintain proper records throughout the year so you're not scrambling when deadlines approach – this includes the exact bank statement formats immigration officers expect.