UK and Schengen visa fund question from India

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It does not make any difference at application time.

However when you arrive in either the UK or France you may undergo an inspection of your documents. If a recent bank statement shows a large influx of cash and it does not sync up with the stuff you submitted as evidence, they will get worried. So logistically you are better off getting your cash sorted out all at once, especially if Schengen and the UK are part of a single journey.

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