Salah satu syarat dokumen untuk pembuatan Visa Student UK adalah Surat Referensi Bank (Bank Reference Letter) dan Rekening Koran (Bank Account Statement) milik pelamar (kalau biaya sendiri) atau milik parents/guardians (kalau disponsor oleh parents/guardians). Sebenarnya dokumen ini tidak wajib, apalagi bagi pelamar yang mendapat beasiswa penuh. Bagi saya yang dapat beasiswanya parsial dan sisanya ditanggung sendiri, saya butuh menyiapkan dokumen ini kalau-kalau nanti diminta. Surat ini biasanya berisi no rekening kita di bank tersebut dan jumlah saldo nya, termasuk rekening tabungan dan rekening deposito. Kalau reksadana atau saham lainnya tidak bisa.
Berapakah saldo minimum yang disyaratkan? Kalau tinggalnya di luar London, living cost setahun atau disebut juga maintenance fee untuk 1 orang adalah £9135. Kalau berangkat sendiri, jumlah saldo minimum yang harus ditunjukkan adalah maintenance fee + tuition fee. Kalau bawa keluarga (suami/istri dan anak) atau dependant, tambah lagi dengan maintenance fee yang berjumlah £6120/dependant. Angka-angka ini sudah ketentuan dari British Embassy nya yang menggambarkan kisaran living cost di UK, yang sumber dananya harus dapat ditunjukkan pada Bank Reference Letter dan Bank Statement Letter dan sudah mengendap selama 28 hari di rekening(-rekening) tersebut. Di rekening bank kita yang aktif tentu saldo nya sangat fluktuatif ya bisa naik turun setiap hari. Cara perhitungannya adalah dengan melihat saldo paling rendah selama 28 hari terakhir.
Ternyata cara pembuatan Bank Reference Letter ini beda-beda tiap bank. Bahkan bank yang samapun bisa berbeda hasilnya antara cabang yang satu dengan yang lain. Saya meminta Bank Reference Letter di Bank Mandiri cabang Plaza Mandiri (Semanggi). Mereka tampak sudah biasa diminta hal beginian, langsung menyodorkan sebuah form ke saya untuk diisi. Isiannnya berupa nama, nomor rekening dan tujuan permohonan misalnya untuk pembuatan visa, studi ke luar negeri, dll. Karena rekening saya bukan dibuka di cabang Plaza Mandiri, mereka mesti submit ke cabang aslinya dulu, jadi baru bisa selesai keesokan harinya. Waktu itu saya datang siang hari sih, mungkin kalau datang nya pagi hari atau langsung datang ke cabang tempat rekening bisa jadi hari itu juga. Keesokan paginya saya ditelpon staf cabang Bank Mandiri tempat saya buka rekening untuk verifikasi data dan mengecek apakah benar saya meminta Bank Reference Letter. Siang nya saya kembali ke Bank Mandiri cabang Plaza Mandiri untuk mengambil surat tersebut. Biayanya 150ribu dan didebet langsung dari rekening saya. Selain itu saya juga minta dicetak Rekening Koran selama 3 bulan terakhir. Kalau ini sih cepat jadinya dengan biaya Rp.2500/halaman dan juga didebet langsung dari rekening. Berikut contoh Bank Reference Letter dalam Bahasa Inggris yang saya dapat.
Suami kebetulan punya beberapa tabungan yang tersebar di 3 bank: Bank Mandiri, BRI dan BNI. Dia datangi cabang dari tiap bank itu yang terdekat dari kantor nya. Di Bank Mandiri dikenakan biaya Rp.50,000 untuk Reference Letter nya. Wah lebih murah dari Bank Mandiri cabang Plaza Mandiri. Tapi form isiannya berbeda, berupa form umum seperti surat keterangan untuk kehilangan kartu atm. Setelah jadi hasilnya, di suratnya pun tidak disertakan jumlah saldo, melainkan hanya sebatas list nomor rekening dan deposito. Jadi tidak terlalu jelas, pantes lebih murah. Kalau di BRI tidak ada form malah diminta membawa surat permintaan sendiri, jadi suami balik dulu ke kantornya buat bikin dan cetak surat permintaan ini. Bank Mandiri, BRI dan BNI yang didatangi suami hasil suratnya semua sama-sama tidak mencantumkan total saldo, dalam Bahasa Indonesia dengan biaya Rp.50,000 dan selesai satu hari setelahnya. Hmmm bukan dalam Bahasa Inggris dan tidak ada total? Kok mengkhawatirkan ya, takutnya tidak diterima oleh British Embassy. Kita coba saja ya.
Note 15th August 2018
Visa student saya, visa dependant suami dan anak sudah selesai semua. Kami tidak diminta atau diperiksa bukti financial statement ini sama sekali.
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