Moving to the UK? Here is What to Expect!

Moving to the UK in 2026 involves navigating a highly digitized immigration system, significant financial thresholds, and a structured settlement process. Whether you are arriving from Nigeria, Kenya, or elsewhere, this comprehensive guide breaks down every critical stage of your journey.

Phase 1: Pre-Departure Legalities (6–12 Months Before)

Success begins with choosing the correct visa and ensuring your documentation is airtight.

• Visa Categories:
  • Skilled Worker: Requires a job offer from an approved UK sponsor. As of 2026, many roles must meet a minimum salary threshold of £25,000–£33,400 depending on the specific route and industry.
  • Health and Care: A subset of the Skilled Worker visa for medical professionals; often exempt from the Immigration Health Surcharge (IHS).
  • Student Visa: Requires a Certificate of Acceptance for Studies (CAS) from a licensed institution and proof of sufficient funds for tuition and living costs.
• Mandatory Testing: Applicants from countries like Nigeria must provide a Tuberculosis (TB) test certificate from a Home Office-approved clinic.
• English Proficiency: You must meet the required level on a Secure English Language Test (SELT) unless you hold a degree taught in English that is UK-equivalent.

Phase 2: The Financial Foundation

The UK immigration system is largely self-funding, meaning high upfront costs are required.

• Immigration Health Surcharge (IHS): This is mandatory for most visas over six months. In 2026, the standard adult rate is £1,035 per year (£776 for students and children).
• Proof of Funds: Most visas require you to show you have at least £1,270 in savings held for 28 consecutive days, unless your sponsor certifies they will cover your first month’s costs.
• Exchange Rates: Use specialized apps like Yousend to manage the NGN-to-GBP conversion to avoid high bank fees during this expensive phase.

Phase 3: Finding Your First Home

Housing in the UK is competitive and requires specific legal checks.

• Right to Rent Checks: Landlords are legally required to verify your immigration status before granting a tenancy. You will provide a digital share code generated from your UKVI (UK Visas and Immigration) account to prove your right to live in the UK.
• Rental Costs:
  • London: Shared rooms average £700+ per month, while single studios in halls can exceed £870.
  • Regional: Generally more affordable, but requires similar upfront costs like a 5-week security deposit.
• Council Tax: Almost every household pays this monthly to the local council (averaging £144+). Full-time students are typically exempt.

Phase 4: The “First 30 Days” Checklist

Once you land, complete these administrative tasks to integrate into the UK economy.

• 1. Access Your eVisa: Log in to your UK Visas and Immigration (UKVI) account to view your digital status. If you were issued a physical Biometric Residence Permit (BRP), collect it from your designated post office.
• 2. Apply for a National Insurance (NI) Number: Essential for working and paying taxes. You can apply online once you are in the UK.
• 3. Open a UK Bank Account: Necessary for receiving your salary and paying bills.
  • Requirement: You will need your passport and proof of UK address (tenancy agreement or utility bill).
  • Pro-Tip: Digital banks like Monzo or Revolut often have faster approval times for newcomers.
• 4. Register with a GP: Healthcare is free at the point of use for those who paid the IHS. Find your local General Practitioner (GP) surgery and register to ensure you have access to medical care.

Phase 5: Navigating Local Life

• Transportation: Invest in an Oyster card (London) or a Railcard (National) to save up to 1/3 on train fares.
• Remittances: Once you are earning in GBP, use Yousend to send money home to Nigeria or Kenya instantly, ensuring your family benefits from competitive exchange rates and transparent fees.