
Bank Statement for a Visa: How Much Money You Need to Show
Daily amounts by country, how many months of statements to bring and what raises questions.
The documents every Schengen consulate asks for, and the extras that depend on why you travel.
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A Schengen visa is decided on paper: the consulate reads your file and judges whether your trip, your money and your return home add up. The core documents come from the EU Visa Code and are the same at every Schengen consulate. The extras depend on the consulate and on why you travel. Below is each document, the rule behind it and what consulates add, as of October 2026.
A short-stay Schengen visa lets you stay up to 90 days in any 180-day period in the 29 Schengen countries. Whatever the reason for your trip, the application starts with these 7 items:
Each applicant fills in and signs the standard form from Annex I of the Visa Code. A child listed in a parent’s passport still needs a separate form, signed by a parent or guardian. Consulates must hand out the form free of charge, and some have you complete it online first: the Netherlands issues it with a unique code once you do, and warns against using someone else’s form.
The passport rules come from Article 12 of the Visa Code: the passport must have been issued within the previous 10 years, have at least 2 blank pages and stay valid for at least 3 months after the day you plan to leave the Schengen area. On a multiple-entry visa, the 3 months count from your last planned departure.
The Visa Code sets only the standard, ICAO Doc 9303, so each consulate states its own format. The Dutch, Italian (London) and Maltese (Libya) checklists all put the visa photo size at 35 mm x 45 mm.
Fingerprints are taken in person at your first application: all 10, flat and digital. If your prints went into the Visa Information System less than 59 months before the new application, they are copied from the earlier file. Children under 12 give no fingerprints.
The policy must cover repatriation for medical reasons, urgent medical care, emergency hospital treatment and death, with at least €30,000 of cover, valid in every Schengen country for every day of your stay. For a multiple-entry visa it only has to cover the first trip, and holders of diplomatic passports are exempt. The Netherlands wants the certificate to state the territory, the period and the amount, so check that yours names all 3.
The Visa Code sets one fee schedule for every Schengen consulate. The adult fee rose from €80 to €90 on 11 June 2024, so a consulate checklist that still shows €80 is out of date.
| Applicant | Fee as of October 2026 |
|---|---|
| Adult | €90 |
| Child aged 6 to 11 | €45 |
| Child under 6 | Free |
| Citizen of Armenia, Azerbaijan or Belarus | €35 |
| Citizen of Cabo Verde | €67.50 |
The fee is also waived for students and teachers on study trips, researchers, and non-profit representatives aged 25 or under at non-profit events. A visa application center can add a service charge of up to €45, half the visa fee. Where the country you apply to has no consulate and no representation in your country, the cap is €80, or €120 in exceptional cases.
Article 14 of the Visa Code asks every applicant to prove 4 things, and every supporting document in your file answers one of them.
Consulates accept a hotel or rental booking for each night, an invitation from the host you will stay with, or proof that you own property there. The Netherlands asks for a hotel reservation or rental agreement covering the entire trip.
No single minimum balance applies across the Schengen area. Consulates measure your proof of funds against the daily reference amount of the countries you will visit, multiplied by the days you stay, and a sponsor or free accommodation with a host can count toward it. In the Commission’s reference amounts table dated 8 June 2026, Latvia asks for €14 a day, Germany €45, the Netherlands €55 and Spain €122.10, while Austria decides case by case.
How many months of statements you need is set by the consulate’s checklist: the last 3 months in 5 of the 6 checklists compared further down, and 6 months in Malta’s Libya checklist. Italy’s London checklist also wants them updated no more than 1 month before you apply.
Annex II lists a reservation of a return or round-trip ticket as evidence that you will leave. The Netherlands asks for a flight reservation in your name to and from the Schengen area, or another document showing your travel plans, and states that a paid ticket is not required.
Your intention to leave is judged from your ties at home. Annex II names proof of employment, bank statements, property you own and family or professional ties in your country of residence, and which of those you can show depends on how you earn a living.
Article 14(4) lets a country use its own sponsorship form instead: Germany’s missions in India accept a Verpflichtungserklärung, Germany’s formal declaration of commitment.
On top of the core file, add the documents Annex II lists for your reason to travel.
| Purpose | Documents Annex II lists | Who provides them |
|---|---|---|
| Tourism | Hotel or rental bookings; confirmation of an organized trip or other travel plans | You, from your bookings |
| Visiting family or friends | An invitation from the host you stay with; proof of family ties with the host | Your host |
| Business | An invitation to meetings, conferences or events; proof of trade relations; fair or congress tickets; proof of the company’s activity and your job there | The inviting firm and your employer |
| Study or training | Certificate of enrollment; student card or course certificates | The school or training provider |
| Cultural, sports, religious or scientific event | Invitation, tickets, enrollment or program naming the host organization and the length of stay | The organizer |
| Medical treatment | Official document from the medical institution confirming the treatment; proof you can pay for it | The clinic or hospital |
When you stay with family or friends, an invitation letter from your host gives their identity and contact details, the address where you will stay, the length and purpose of the visit and how you are related. Those are the same points Article 14(4) puts on the national forms some countries use instead.
A cover letter is not on the Annex II list, so no EU rule requires one, but Germany’s missions in India ask for a personal covering letter and Italy’s London checklist recommends one. A one-page visa cover letter that states your purpose, dates, route, accommodation and who pays gives the officer your trip in one place, with each claim backed by a document in the file.
Annex II is a list of examples, not a limit. Since February 2020 the Visa Code has also required consulates, within local Schengen cooperation, to assess how its conditions apply to local circumstances and risks. That is why a friend who applied from another country, or to another consulate, may have had a different checklist. The table sets the EU rule next to what 6 consulate checklists asked for in October 2026.
| Document | Visa Code rule | Netherlands | Other consulate checklists |
|---|---|---|---|
| Passport | Issued within 10 years, 2 blank pages, valid 3 months after you leave | Same, and it must bear your signature | Germany (Dublin): same rule, written as 90 days after your return |
| Photo | ICAO standard | 1 photo, 35 x 45 mm, light background, under 6 months old; none at a service provider | Italy (London): 2 photos, 35 x 45 mm |
| Bank statements | Enough money for the stay and the return | Last 3 months, plus 3 payslips if employed | Italy (London): 3 months, British accounts only, no business accounts; Malta (Libya): 6 months of movements |
| Employer letter | Not named; Annex II lists proof of employment | Job title, contract duration and salary | Italy (London): headed paper, vacation days, stamp and signature, dated within 30 days; Switzerland (India): no-objection statement |
| Cover letter | Not listed | Not on the checklist | Germany (India): personal covering letter; Italy (London): recommended |
| Sponsor | A country may require its own form | Show who pays for travel and stay | Germany (Dublin): letter, sponsor’s passport copy, recent statement or payslip; Malta (Libya): notarized declaration |
Checklists also say whether to bring originals or copies. The Netherlands’ tourism visa checklist asks for the original form, passport and photo, and color copies of most supporting documents.
You apply to one Schengen country, and Article 5 of the Visa Code decides which:
The Commission’s own summary of the rule is simpler: the longest stay decides, and with stays of equal length you apply to the first country you visit. So 10 nights in Italy and 4 in France means applying to Italy. With 5 nights each in Spain and Portugal, flying into Madrid, you apply to Spain: neither stay is longer, Spain is the first country you visit, and Madrid airport is the external border you cross first.
When the trip covers several countries, a day-by-day itinerary listing the nights in each one is how the consulate can check that you applied to the right country, so it should match your hotel bookings and flight reservation night for night. As a general rule you also apply in the country where you legally live, at the consulate or visa center that covers it. A consulate that is not competent returns the file and the fee and tells you which consulate is. That costs you time inside the 15-day limit.
Lodge the application no more than 6 months before the trip starts (9 months for seafarers on duty) and, as a rule, no later than 15 calendar days before. A consulate can accept a later application in a justified urgent case, but it does not have to. You may need to book an appointment first, and the first application is made in person because your fingerprints are taken.
The consulate then has 15 calendar days to decide, counted from the day you lodge an admissible application. In individual cases it can extend that to 45 calendar days, for example when it wants a closer look, and it may call you for an interview or ask for more documents.
Children apply with their own form, signed by a parent or guardian, and pay €45 from age 6 to 11 or nothing under 6. They give no fingerprints until age 12. When a child travels without one or both parents, Annex II lists the consent of the parent or guardian, and the Netherlands asks for:
Build and lodge the file in this order
This is an invented sample, not a real applicant.
Applicant: Meera Nair, 34, an accountant in Kochi, India, traveling alone. Trip: 2 to 16 May 2027, 10 nights in Rome and Florence, then 4 in Paris. Applies to: Italy, the longest stay, through the visa center that covers her state. Lodged: 18 March 2027, 45 days before departure.
| Document | What Meera put in the file |
|---|---|
| Application form | Completed online, printed and signed |
| Passport | Issued June 2019, expires June 2029, 6 blank pages |
| Photo | 35 x 45 mm, white background, taken 3 weeks earlier |
| Insurance | €50,000 medical cover, all Schengen countries, 2 to 16 May 2027 |
| Flight reservation | Kochi to Rome on 2 May, Paris to Kochi on 16 May, in her name, not paid |
| Accommodation | Hotel bookings for 14 nights: 6 in Rome, 4 in Florence, 4 in Paris |
| Itinerary | One page, day by day, matching the hotel dates |
| Funds | Bank statements for December, January and February, stamped by the bank, closing balance INR 640,000 |
| Employment | 3 payslips and an employer letter with job title, start date, salary and approved leave from 1 to 17 May |
| Cover letter | One page: purpose, route, dates, hotels and who pays |
| Fee | €90, plus the visa center’s service charge |
The dates line up: the form, the reservations, the insurance and the leave letter all cover 2 to 16 May.
The consulate first checks that the application is admissible: lodged inside the time window, with the form, the passport and the photo, your fingerprints taken and the fee paid. If any of those fails, it returns the file unexamined, destroys the biometric data it collected and refunds the fee. Everything else is judged on the evidence.
A visa refusal comes on a standard form that gives the grounds, taken from Article 32 of the Visa Code, and explains how to appeal. The grounds include no justification for the purpose of the trip, no proof of enough money, no valid travel medical insurance, and reasonable doubts about your documents or your intention to leave. Each one points at a document in this checklist: the purpose at your bookings or invitation, the money at your statements, the insurance at the certificate, and the intention to leave at your job and ties at home. A previous refusal does not lead to an automatic refusal of a new application, so fix the weak document before you apply again.
When your passport comes back, read the visa sticker before you pack it with your other travel documents. VALID FOR shows where you may travel: the Schengen States, or only the countries named if the visa is limited. The FROM and UNTIL dates should cover your trip, and NUMBER OF ENTRIES and DURATION OF STAY show how many entries and days you have. Check that the name and passport number match your passport too.
It depends on the country: each one sets a daily reference amount, from €14 in Latvia to €122.10 in Spain, and the consulate judges your funds against it for the days you stay. In the Commission's table dated 8 June 2026, Germany asks for €45 a day and the Netherlands €55. Austria decides case by case.
You need a signed form, a passport issued within 10 years with 2 blank pages and 3 months of validity after you leave, a photo, fingerprints, €30,000 of travel medical insurance and the €90 fee. You add proof of where you will stay, how you will pay and that you will go home, usually hotel bookings, bank statements, a flight reservation and an employer or school letter.
No: the Visa Code lists a reservation of a return or round-trip ticket as evidence, not a paid ticket. The Netherlands states it plainly: you need a reservation in your name to and from the Schengen area, and a paid ticket is not required. Check your own consulate's checklist before you pay for anything.
Not by EU law: a cover letter is not on the Visa Code's list of supporting documents. Some consulates ask for one anyway, such as Germany's missions in India, and Italy's London checklist recommends one. A one-page letter stating the purpose, dates, route and who pays makes the file easier to read.
Up to 6 months before the trip starts, or 9 months for seafarers on duty. As a rule you must apply no later than 15 calendar days before you travel, although a consulate can accept a later application in a justified urgent case. If your consulate works by appointment, the limit counts from the day you lodge the file, not the day you book.
The file is either returned unexamined or refused, depending on what is missing. If the form, passport, photo, fingerprints or fee is missing, or you apply outside the time window, the application is inadmissible: it comes back and the fee is refunded. If a supporting document is missing, the consulate may ask for it or refuse the visa, and a refused applicant does not get the fee back.