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Appendix FM-SE: family members specified evidence wrote:11A. In respect of cash savings:
(a) The savings may be held in any form of bank/savings account (whether a current, deposit or investment account, provided by a financial institution regulated by the appropriate regulatory body for the country in which that institution is operating), provided that the account allows the savings to be accessed immediately (with or without a penalty for withdrawing funds without notice). This can include savings held in a pension savings account which can be immediately withdrawn.
11 wrote:The Respondent-™s belated attempt to modify the reasons for refusal letter is mistaken and inadmissible. As a matter of simple banking law, repayment of a fixed deposit cannot be refused. The consequence of early repayment is that interest is forfeited. Thus the funds were correctly accepted as available in the reasons for refusal letter.
If you mean that it works like savings then the funds to be held in account for at least 6 months prior to the date of application.