Almost every refusal we are asked to fix as a second attempt turns on money — not the amount of it, but the way it was shown.
A caseworker is not reading your balance. They are reading whether the balance was held, whose it is, and whether it can be traced. A lump sum that appears eleven days before you apply reads as a loan even when it is a gift from a parent, and it will be treated as one unless you say so and document it.
What counts, in practice: the balance held continuously for the number of days the route specifies, in an account in your own name or a name the rules permit, evidenced by statements the bank itself issued rather than a screenshot of an app. Where the money came from someone else, a signed declaration from them plus evidence of their own source of funds.
What does not count, however true it is: an investment you would have to liquidate, a credit facility, a balance in a currency the destination does not accept without conversion evidence, or a statement that stops three weeks before you filed.
If your funds have only recently arrived, the honest answer is usually to wait. Filing early with money that has not seasoned is the most expensive kind of impatience.
