Hi. Is a recent photograph with scarf acceptable for visa requirements ? I observe hijab.

Generally speaking, no scarf is acceptable. If you need to wear it for religious reasons, you need to make sure that your face should not be obscured.

thank you for your prompt reply. :) Please answer my second question too about bank statement.

Sorry, there is no specific requirements about this. But you have to provide proof of financial support that is enough to cover your stay there. The rate should be no less than US$100 per day as I know. You can contact the embassy firectly for this since they have the final say to your appliction.

Thanks a lot :)