Yea, I understand all that it just seems a lot more problematic and cumbersome. Will Immigration want something "certified" other than the bank statement? What are the costs of the monthly transfers? What if you cut it too close and the exchange rate catches you one month? And if you are a married couple like us you have to stay on top of this double. But I can see if you don't have 400,000 to set aside the monthly route is your only option.