Spain Non-Lucrative Visa: Requirements and Legal Support
If you want to live in Spain without working and can support yourself through a pension, savings or passive income, the Non-Lucrative Visa may be the appropriate route. Ibertax helps you prepare your financial evidence, health insurance and consular application.
- Response within one business day.
- English and Spanish support.
- Immigration and tax advice under one roof.
Non-Lucrative Visa service from €590 per applicant, VAT included.
Planning to Live in Spain Without Working?
Tell us whether your financial means come from a pension, savings, investments or passive income and where you will apply.
What Is Spain’s Non-Lucrative Visa?
Spain’s Non-Lucrative Visa allows qualifying non-EU, EEA or Swiss nationals to live in Spain without carrying out employment or professional activities.
It is mainly used by retirees, pensioners and financially independent applicants who can support themselves without working.
The initial application must be filed through the Spanish consulate responsible for the applicant’s place of legal residence. It is not generally available as an in-country application after entering Spain as a tourist.
Who Can Apply?
Retirees and pensioners
Applicants receiving a documented pension sufficient to support their residence in Spain.
Applicants with savings
People with accessible and properly documented funds covering the required residence period.
Passive-income recipients
Applicants receiving rental, investment, dividend or other income that does not require active work from Spain.
Financially independent families
Families able to demonstrate the additional resources required for every qualifying member.
Spain Non-Lucrative Visa Income Requirements
- Main applicant: 400% of the monthly IPREM.
- Each additional family member: 100% of the monthly IPREM.
Using the IPREM reference applied in 2026, this represents €2,400 per month or €28,800 for the first year for the main applicant, plus €600 per month or €7,200 per year for each family member.
These figures must be checked again on the application date because the IPREM may change.
How Can You Prove Your Funds?
- Bank certificates.
- Account statements.
- Current balances.
- Previous year-end balances.
- Average balances when required.
- Pension certificates.
- Rental agreements and payment records.
- Investment and dividend documentation.
- Tax returns or evidence explaining the source of funds.
The evidence must show that the funds are accessible, legally obtained and sufficient for the entire residence period.
Health Insurance for the Non-Lucrative Visa
Applicants and their family members need health insurance with a provider authorised to operate in Spain and coverage comparable to Spain’s public healthcare system.
Consulates may require full coverage without co-payments, deductibles or waiting periods.
There is no general €30,000 minimum insurance figure for this residence visa.
Your Application in Five Steps
Case review
We review your family situation, the competent consulate and the source of your funds.
Personalised document checklist
We list the financial, medical, criminal-record and family documents you need.
Document review
We check the consistency of your funds, insurance and supporting documents and flag what needs an apostille or sworn translation.
Consular application
We prepare and coordinate the application before the competent Spanish consulate and follow up or act through representation where legally possible.
Arrival, NIE and TIE
After approval we assist with the steps included in your selected plan. The TIE must be applied for in person within one month of entering Spain.
Renewing Your Non-Lucrative Residence
The initial authorisation is valid for one year. A renewal is normally granted for two years when the requirements continue to be met.
- Financial resources must cover the entire two-year renewal.
- Health insurance must be maintained.
- The applicant must have lived genuinely and effectively in Spain for more than 183 days during the calendar year.
- School-age children must be enrolled in school.
- The relevant fee and other requirements must be satisfied.
Using the 2026 IPREM reference, a two-year renewal would require €57,600 for the main applicant and €14,400 for each family member. The figures must be recalculated using the IPREM in force at renewal.
Renewing the residence authorisation is a separate step from the later issue of a new TIE card.
Taxes When Moving to Spain
Holding a Non-Lucrative Visa does not by itself determine your tax residence. However, spending more than 183 days in Spain during the calendar year, having your main centre of economic interests in Spain or other circumstances may make you a Spanish tax resident.
Spanish tax residents may need to report worldwide income, including foreign pensions, rental income, dividends, interest and capital gains, subject to applicable double-tax treaties.
Foreign-asset reporting and wealth-related taxes may also need to be reviewed.
What Options May Be Available Later?
After five years of legal and continuous residence, an applicant may qualify for long-term residence if the applicable requirements and absence limits are met.
Nationals by origin of Ibero-American countries may benefit from a reduced two-year legal-residence period before applying for Spanish citizenship.
Citizenship is not automatic. The residence must be legal, continuous and immediately prior to the application, and all other conduct, integration and documentation requirements must be met.
Clear Fees for Your Spain Non-Lucrative Visa
Government fees and third-party expenses —including insurance, translations, apostilles and certificates— are not included.
Visa only
Per applicant · VAT included
- Eligibility and funds review.
- Full application preparation.
- Consular coordination and follow-up.
- NIE and TIE assistance currently included.
Visa + first renewal
Per applicant · VAT included
- Everything included in Visa Only.
- Preparation and filing of the first residence-authorisation renewal.
- Assistance with the subsequent TIE.
- Initial tax-residence and first-year Spanish tax guidance.
- Priority bilingual professional.
Annual tax returns and ongoing tax compliance are not included unless expressly stated in the service proposal.
“Ibertax made our Non-Lucrative Visa straightforward — they organised our proof of funds and insurance, and we received approval in under three months.”
— Ibertax clients
Genuine client experience. Results and processing times depend on the circumstances of each application.
Spain Non-Lucrative Visa FAQs
How much money do I need in 2026?
Using the 2026 IPREM reference, the main applicant must evidence €2,400 per month or €28,800 for the initial year, plus €600 per month or €7,200 per year for each family member. The figures must be confirmed again on the application date.
Can I use savings instead of monthly income?
Yes. Savings and other accessible assets may be accepted provided they are properly documented and cover the required means for the whole authorisation. The rules do not set an arbitrary figure other than 400% of the IPREM for the main applicant and 100% per family member.
Can I work remotely on this visa?
No. The Non-Lucrative residence does not allow employment or professional activity from Spain. If you need to keep working remotely, check whether you meet the requirements of the Digital Nomad Visa.
Can I apply from inside Spain as a tourist?
The initial application must be filed through the Spanish consulate responsible for your place of legal residence. It is not generally available as an in-country application after entering Spain as a tourist.
What health insurance do I need?
It must be arranged with a provider authorised to operate in Spain and offer coverage comparable to the public healthcare system. Consulates may require full coverage without co-payments, deductibles or waiting periods.
How long does a decision take?
The rules set an administrative period once the consulate forwards the application to the competent body. Appointments, checks, translations, apostilles and requests for further information may extend the total time. Ibertax does not guarantee a specific date.
How long is the first authorisation valid?
The initial authorisation lasts one year. It can then be renewed for two-year periods if the requirements continue to be met.
How much money do I need to renew?
A renewal normally covers two years, so financial means must be evidenced for that whole period. Using the 2026 reference this would be €57,600 for the main applicant and €14,400 for each family member, subject to the IPREM in force at renewal.
Do I need to live in Spain for more than 183 days?
To renew the authorisation you must evidence genuine and effective residence in Spain for more than 183 days of the calendar year. That presence may also affect your tax residence.
Will I pay taxes in Spain?
You may, if you are considered a Spanish tax resident, for example by spending more than 183 days in Spain during the calendar year or having your centre of economic interests here. Tax residence may mean declaring income obtained in other countries.
Can my family apply with me?
Yes. A spouse, registered or evidenced long-term partner, minor children meeting the legal conditions and certain adult children needing support may apply. An additional 100% of the IPREM must be evidenced per family member.
Can I apply for Spanish citizenship after two years?
Nationals by origin of Ibero-American countries may benefit from the reduced two-year legal-residence period. Citizenship is not automatic and all other requirements must be met.
Does Ibertax guarantee approval?
No. The decision belongs to the Spanish authorities. Ibertax prepares and reviews the application to reduce avoidable errors and present a legally coherent case.
Planning to Make Spain Your Home?
Before applying, it is important to review your funds, health insurance, consular documents and the tax consequences of living in Spain. Contact Ibertax on WhatsApp or by phone to discuss the scope of our service.
Response within one business day · English and Spanish support · Immigration and tax advice