UK Student Visa Cost Calculator 2025: Fees, IHS & Hidden Charges
Studying in the UK is a significant financial investment. Many students budget for tuition and rent but forget the substantial "hidden" costs of the application process itself. Before you even board t...
Studying in the UK is a significant financial investment. Many students budget for tuition and rent but forget the substantial "hidden" costs of the application process itself. Before you even board the plane, you will likely spend between £3,000 and £4,000 on fees, tests, and surcharges. This guide breaks down every penny you need to budget for the 2025 intake.
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Calculate Your Exact Cost →1. The Mandatory Government Fees
These fees are paid directly to the UK Home Office via the Gov.uk website. They are non-negotiable and usually non-refundable if your visa is rejected (except IHS).
| Fee Type | Cost (GBP) | Notes |
|---|---|---|
| Visa Application Fee | £490 | Paid once per applicant. |
| Immigration Health Surcharge (IHS) | £776 per year | A 1-year master's usually requires 1.5 years of IHS coverage (£1,164). |
Total Initial Outlay: For a typical master's student, expect to pay around £1,654 immediately upon application.
2. Pre-Arrival & "Hidden" Costs
These are the costs students often forget to budget for. They vary by country but are essential for a complete application.
- TB Test (£65 - £100): Mandatory for residents of India, Pakistan, Nigeria, Ghana, Kenya, and many others. Must be done at a UKVI-approved clinic.
- English Language Test (~£200): IELTS for UKVI or PTE Academic. Prices vary slightly by region but budget around £200.
- University Deposit (£3,000 - £5,000): Most universities require a substantial deposit to issue your CAS number. This isn't an "extra" cost (it comes off your tuition), but it requires cash flow now.
- Biometrics Appointment: While standard appointments are free, slots fill up fast. Many students pay £50-£100 for a "Prime Time" appointment.
- Priority Visa Service: Optional but popular. "Priority" (5 days) costs an extra £500. "Super Priority" (24 hours) costs £1,000.
3. Flight Tickets & Initial Settlement
Don't wait until your visa arrives to check flight prices. Last-minute flights in September can cost £800 - £1,200 one way. We recommend booking a refundable ticket once your visa is submitted.
Initial Cash: You should travel with at least £500-£1,000 in accessible cash or a forex card to cover your first week (transport, food, bedding) before your bank account is set up.
4. Maintenance Funds (Proof of Liquidity)
This is money you don't spend, but must show. It proves you can survive in the UK without working.
- Inner London: £1,483 × 9 months = £13,347
- Outer London / Rest of UK: £1,136 × 9 months = £10,224
This money must sit in your account untouched for 28 days. Check the Maintenance Calculator for details.
5. Currency Exchange Fluctuations
Pro Tip: Exchange rates (INR/NGN/PKR to GBP) fluctuate daily. UKVI uses the exchange rate on the date of your application. Always keep 5-10% extra in your account as a buffer. If the rate drops on application day and you are £1 short, your visa will be refused.
Your Next Steps
The costs add up, but the return on investment for a UK degree is high. The key is planning your cash flow so you aren't caught short during the application window.
FAQ
Can I pay IHS in installments?
No. The full Immigration Health Surcharge for the entire duration of your visa must be paid upfront before you can submit your application.
Is the visa fee refundable?
No. If your visa is refused, you lose the £490 application fee. However, the IHS fee is refunded automatically (this can take up to 6 weeks).