Summary: each Schengen country sets its own “means of subsistence” — a minimum amount you must show per day of stay. Amounts differ widely and change over time, so always check the latest figure for your destination.
How the requirement works
Under the Schengen Borders Code, travellers must show sufficient means for the duration of the stay and the return journey. Each member state publishes reference amounts, which the European Commission collects in one list. Some countries set a daily figure; others require a total minimum or reduce the amount if accommodation is already paid.
What typically counts as proof
- Your own genuine bank statements (usually the last 3–6 months).
- A sponsor’s declaration plus their financial documents.
- Pre-paid accommodation, which some countries count toward the requirement.
- Traveller’s cheques or credit cards, depending on the country.
How to estimate your amount
- Find your main destination’s reference amount in the Commission’s list.
- Multiply by the number of days on your itinerary.
- Add a margin for the return journey and unexpected costs.
Red flags consulates notice
- Large, unexplained deposits shortly before applying.
- Balances that don’t match your declared salary.
- Statements that aren’t from your bank, or whose details don’t match your other documents.
Consulates can verify statements directly with banks. Only submit genuine financial documents issued by your bank.
Related: proof of funds explained · Schengen checklist · insurance rules.
