In our analysis, 40–50% of visa denials trace back to bank statement problems — not job history, not ties to home. Grid Report checks your statement the way a visa officer would, so you find out for ₦2,500 instead of finding out after you've paid ₦1,026,117 and lost your slot.
You can have every naira you need and still get refused. An officer spends about a minute on your statement, looking for a reason to doubt you. If they find one, you don't get a phone call — you get a refusal letter, and it goes on your record. The next application gets harder.
These are the four things they find most often:
No account to create, no back-and-forth. Upload, see proof we've read it, get your report.
Straight from your bank app. Password-protected PDF from GTB, Access or Zenith? Just enter the password, we never store it.
You see proof your statement is readable and what we found, before a single naira leaves your account. If we can't read it, you don't pay.
Every red flag an officer might catch, in plain English, with exactly what to do about each one. On screen and in your email.
I got denied twice. Once for my student visa, once for PR — both times because of my bank statement, not because I didn't have what it took.
Nobody tells you that officers spend less than a minute deciding your fate based on how your statement reads— not just what's in it. I found that out the hard way, twice, and paid the fees and the lost time both times.
I built Grid Report so you don't have to learn that lesson the way I did.
— Shonibare Stephen, Founder
Grid Report's checks come from analysing 76 real bank statements and refusal outcomes across UK, Canada, US and Schengen routes. Every flag we raise is one we've watched cause a problem for someone else. We're not guessing at what officers care about — we've mapped it.
We are not immigration advisers, and we don't submit anything on your behalf. We check one thing, and we check it properly.
A refused visa costs you the application fee, whatever you've already paid toward flights or deposits, months of delay, and a refusal on your record that makes the next application harder.
This costs ₦2,500.
“Grid Report flagged a large deposit I thought would strengthen my UK study visa application. It showed exactly what evidence I needed, potentially saving me from refusal, wasted fees, and months of delays.”
“I believed more money meant a stronger application. Grid Report revealed a deposit that could raise concerns and gave clear steps to address it before I risked losing my visa fee.”
“Days before applying, Grid Report identified a transaction that could have triggered questions from a visa officer. The clarity it provided helped me apply with confidence instead of guesswork.”
We can read statements from GTBank, Access, Zenith, UBA, First Bank, Fidelity, Stanbic and most Nigerian commercial banks, plus neobanks like Opay, Moniepoint, Kuda and PalmPay.
But being readable and being acceptedare two different things. Some embassies — UKVI in particular — restrict which institutions they'll accept financial evidence from, and statements from microfinance-licensed banks are often rejected outright no matter how healthy the balance is. If you upload one, we'll flag it, and we'll tell you what to do instead.
If your funds sit in a neobank, that's not a problem to panic about. It's a problem to solve four weeks before you apply, not four days.
Two minutes, ₦2,500, and you'll know exactly what an officer will see. You get one attempt at this — most people don't find out what went wrong until the refusal letter arrives.
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