All Your Questions – Answered
Dreaming of sipping sangria by the Mediterranean, exploring ancient castles, or indulging in delicious tapas daily?
Spain, with its rich culture, stunning landscapes, and warm climate, is a top destination for many.
For US citizens considering a move to Spain, the Spanish Non-Lucrative Visa offers an enticing opportunity. This visa allows you to live in Spain for more than 90 days without engaging in any professional or lucrative activities, making it ideal for retirees, those with passive income, or anyone looking for an extended stay to enjoy the Spanish lifestyle.
In this comprehensive guide, we delve into everything you need to know about the Spanish Non-Lucrative Visa, from its benefits and requirements to the answers to the most common questions.
Benefits of the Spanish Non-Lucrative Visa
In comparison to the Spanish Digital Nomad Visa, the Non-Lucrative Visa provides you with the freedom to reside in Spain without the need to work. This is perfect for retirees, individuals with independent income sources, or anyone who wants to immerse themselves in Spanish life without the pressures of employment.
Imagine waking up to sunny mornings, leisurely breakfasts, and afternoons spent exploring the vibrant local culture or relaxing on pristine beaches. This visa gives you the liberty to enjoy Spain at your own pace.
One of the significant advantages of this visa is access to Spain’s comprehensive public services. As a visa holder, you can utilize the Spanish public healthcare system, renowned for its high standards and efficiency. This means you can receive quality medical care without the high costs often associated with private healthcare.
Additionally, if you have children, they can enroll in Spain’s public education system, which offers excellent schooling opportunities, helping them integrate into the local community and culture.
What’s more, holding a Spanish Non-Lucrative Visa not only allows you to explore Spain but also opens up travel across the Schengen Area. The Schengen Zone comprises 26 European countries that have abolished passport control at their mutual borders.
This means you can travel freely between these countries for up to 90 days within a 180-day period, without the need for additional visas. Whether you wish to enjoy a weekend in Paris, a winter getaway in the Swiss Alps, or a cultural tour of Italy, this visa provides you the flexibility to make the most of Europe.
Obtaining the visa is also a stepping stone towards long-term residency and eventual citizenship. Initially granted for one year, the visa can be renewed for two consecutive two-year periods, allowing for a total of five years of residency.
After this period, you can apply for permanent residency, provided you meet the necessary conditions. Living in Spain continuously for ten years can make you eligible to apply for Spanish citizenship. This long-term pathway is ideal for those who fall in love with the Spanish way of life and wish to make it their permanent home.
Requirements and Eligibility
Embarking on a new life in Spain is a thrilling prospect, but before you can pack your bags and book your flight, there are several important requirements and eligibility criteria that you must meet to secure this visa.
As mentioned, its designed for non-EU citizens who wish to live in Spain without engaging in any professional activities.
So let’s delve into the specifics of what you need to qualify for this visa and ensure your application process goes smoothly.
Proof of Sufficient Financial Means
The cornerstone of the Spanish Non-Lucrative Visa is demonstrating that you have enough financial resources to support yourself and any dependents during your stay in Spain without needing to work.
This is a critical requirement, reflecting Spain’s desire to ensure that visa holders can sustain themselves comfortably and contribute positively to the local economy.
To meet this requirement, applicants must provide detailed financial documentation. This can include:
- Bank Statements: Showing consistent balances that meet the minimum financial threshold, typically around $29,100 for the primary applicant. This amount must be readily accessible and not tied up in long-term investments.
- Investment Portfolios: Documentation of stocks, bonds, or other investments that can be liquidated if necessary.
- Pension Statements: If you are retired, proof of regular pension payments that meet the required income levels.
- Income from Real Estate: Rental income from properties owned, providing a steady stream of revenue.
It’s essential to provide clear and comprehensive documentation to avoid any delays in the processing of your visa. Financial independence is a key factor, and the authorities will scrutinize this aspect closely.
Comprehensive Health Insurance
Healthcare is a significant consideration when moving to a new country, and Spain is no exception. To be eligible for the Non-Lucrative Visa, you must have private health insurance that offers full coverage in Spain.
This insurance should be comparable to the coverage provided by the Spanish public healthcare system.
Your health insurance policy must:
- Cover All Medical Expenses: Including doctor visits, hospital stays, emergency treatment, and any specialized care you might need.
- Be Valid for the Entire Duration of Your Stay: Ensuring that you are protected from the moment you arrive in Spain until the end of your visa period.
- Include Repatriation: Cover the cost of returning you to your home country in case of severe illness or injury.
Securing comprehensive health insurance not only fulfills the visa requirement but also provides peace of mind knowing that you have access to high-quality medical care while living in Spain.
Clean Criminal Record
To ensure the safety and security of its residents, Spain requires visa applicants to submit a police clearance certificate from their home country. This certificate must verify that you do not have a criminal record and are not a threat to public safety.
The steps to obtain a police clearance certificate typically include:
- Requesting the Certificate from Authorities: In the US, this might involve contacting the FBI or local police department.
- Fulfilling Any Specific Requirements: Such as fingerprinting or providing identification documents.
- Ensuring the Certificate is Recent: Most consulates require the certificate to be issued within the last three to six months.
This document is a crucial part of your application, so make sure to start the process early to avoid any delays.
Proof of Accommodation in Spain
It sounds obvious, but before you can be granted a Non-Lucrative Visa, you must prove that you have a place to live in Spain.
This requirement is designed to ensure that you have secured stable housing and are prepared for your stay in the country.
Acceptable forms of proof include:
- Rental Agreement: A signed lease for an apartment or house, indicating the address and the duration of your stay.
- Property Deed: If you own property in Spain, a copy of the deed showing ownership details.
- Invitation Letter: If you are staying with friends or family, a notarized letter from your host confirming your accommodation.
This proof helps to establish your intention to reside in Spain and demonstrates that you are prepared for your stay.
Medical Certificate
Lastly, applicants must provide a medical certificate confirming that they do not have any diseases that could pose a public health risk. This requirement ensures that newcomers do not bring infectious diseases into Spain.
To obtain a medical certificate:
- Visit a Licensed Physician: Schedule an appointment with a doctor who can conduct a thorough health check-up.
- Complete Necessary Tests: Your physician may require blood tests, chest X-rays, or other examinations to confirm your health status.
- Obtain a Signed Certificate: The document should state clearly that you are free from any diseases listed by the International Health Regulations.
This certificate reassures the Spanish authorities of your good health and fitness to live in Spain.
Questions Around the Spanish Non-Lucrative Visa
We receive dozens of emails about the Spanish Non-Lucrative Visa on a weekly basis. To help streamline your journey to Spain, we’ve compiled some of the most common questions we receive, along with detailed answers. This comprehensive FAQ section is designed to address your concerns and provide you with the essential information you need to make an informed decision about your move.
What is the Spanish Non-Lucrative Visa?
The Spanish Non-Lucrative Visa is a type of long-term residence visa designed for non-EU citizens who wish to live in Spain without engaging in any professional or lucrative activities.
This visa is ideal for retirees, individuals with independent financial means, or those who want to reside in Spain for an extended period. It allows you to stay in Spain for one year initially, with the possibility of renewing the visa for longer stays.
Who is eligible for the Non-Lucrative Visa?
Eligibility for the Non-Lucrative Visa requires applicants to be non-EU citizens with sufficient financial means to support themselves without working in Spain.
Applicants must also have comprehensive private health insurance coverage valid in Spain, a clean criminal record, proof of accommodation in Spain, and a medical certificate proving they do not have any diseases that could pose a public health risk.
What financial requirements must be met for the Non-Lucrative Visa?
Applicants must demonstrate that they have sufficient financial resources to support themselves and any dependents during their stay in Spain.
This is usually evidenced by showing a minimum annual income or savings of around $29,100 for the primary applicant. Additional financial resources are required for dependents, typically around $7,300 per year for each family member.
How much money do I need to show in my bank account for the Non-Lucrative Visa?
You need to show a minimum annual income of approximately $29,100 for the primary applicant, plus additional funds for each dependent.
This amount should be readily accessible, and you can demonstrate this through bank statements, proof of investments, pension statements, or other financial documents. The funds must be available to you in full, and they should be in liquid form, not tied up in long-term investments.
Can I work in Spain with a Non-Lucrative Visa?
No, the Non-Lucrative Visa strictly prohibits the holder from engaging in any professional or lucrative activities in Spain. This visa is intended for individuals who have sufficient financial means to support themselves without working.
If you wish to work in Spain, you would need to apply for a different type of visa, such as a work visa or a Digital Nomad visa.
How long is the Non-Lucrative Visa valid for?
The initial Non-Lucrative Visa is valid for one year. After the first year, you can apply to renew the visa for two additional years, and after that, you can apply for another two-year renewal.
This allows for a total of five years of residency on the Non-Lucrative Visa before you would need to apply for permanent residency if you wish to stay longer.
How do I renew the Non-Lucrative Visa?
To renew the Non-Lucrative Visa, you must apply within 60 days before the expiration date of your current visa. You will need to provide updated documentation, including proof of financial means, health insurance, and continued residency in Spain.
The renewal process involves submitting these documents to the immigration office in Spain and paying any applicable fees. It’s important to ensure all documents are up-to-date and meet the requirements to avoid any delays or issues with your renewal.
Can I apply for a Non-Lucrative Visa while in Spain?
No, the application for the Non-Lucrative Visa must be made from your home country or a country where you have legal residence.
You cannot apply for this visa while you are already in Spain. The application process involves submitting your documents to the Spanish consulate or embassy in your home country, where they will be processed.
What documents are needed for the Non-Lucrative Visa application?
The required documents for the Non-Lucrative Visa application include a completed application form, a valid passport, proof of financial means, private health insurance coverage, a clean criminal record certificate, a medical certificate, and proof of accommodation in Spain.
All documents must be translated into Spanish by a certified translator and may need to be apostilled or legalized, depending on your country of origin.
Where do I apply for the Non-Lucrative Visa?
You must apply for the Non-Lucrative Visa at the Spanish consulate or embassy in your home country or the country where you have legal residence.
Each consulate or embassy may have specific requirements and procedures, so it is important to check their website or contact them directly for detailed information on the application process.
How long does the Non-Lucrative Visa application process take?
The processing time for the Non-Lucrative Visa application can vary depending on the consulate or embassy and the time of year. Generally, it takes between one to three months for the visa to be issued.
It is advisable to apply well in advance of your planned travel date to allow sufficient time for processing and to address any potential issues or additional requirements that may arise.
What is the application fee for the Non-Lucrative Visa?
The application fee for the Non-Lucrative Visa varies by country but typically ranges from $65 to $150. This fee is non-refundable and must be paid at the time of submitting your application.
It is important to check the specific fee and payment method required by the Spanish consulate or embassy where you are applying.
Do I need to translate my documents for the Non-Lucrative Visa application?
Yes, all documents submitted as part of your Non-Lucrative Visa application must be translated into Spanish by a certified translator.
In addition to translation, some documents may need to be apostilled or legalized, depending on your country of origin. Ensuring that all documents are correctly translated and authenticated is crucial for a successful application.
What type of health insurance is required for the Non-Lucrative Visa?
You must have private health insurance that provides full coverage in Spain, equivalent to the coverage offered by the Spanish public healthcare system.
The insurance policy should cover all medical expenses, including doctor visits, hospital stays, emergency treatment, and any specialized care you might need. The policy must be valid for the entire duration of your stay in Spain.
How do I prove my financial means for the Non-Lucrative Visa?
To prove your financial means, you can provide bank statements showing a consistent balance that meets the required amount, investment portfolios, pension statements, or proof of income from real estate or other sources.
The documents should clearly demonstrate that you have sufficient funds to support yourself and any dependents during your stay in Spain. The funds must be liquid and readily accessible.
What is the income requirement for a family applying for the Non-Lucrative Visa?
For each additional family member included in the application, you need to show an additional 100% of the IPREM (Indicador Público de Renta de Efectos Múltiples), which is approximately $7,300 per year.
This means that for a family of four, the primary applicant would need to demonstrate an annual income or savings of approximately $51,000.
Can I include my spouse and children in my Non-Lucrative Visa application?
Yes, you can include your spouse and dependent children in your Non-Lucrative Visa application. You will need to provide additional documentation for each family member, including proof of relationship (such as marriage and birth certificates), and meet the additional financial requirements to support them during your stay in Spain.
Do I need a Spanish bank account for the Non-Lucrative Visa?
While it is not mandatory to have a Spanish bank account for the initial application, having one can be helpful for managing finances and proving residency in Spain. Once you are in Spain, opening a local bank account can facilitate transactions, bill payments, and other financial matters.
How do I find accommodation in Spain for the Non-Lucrative Visa?
You can find accommodation in Spain through various online rental platforms, real estate agents, or by contacting local property owners directly. It is important to secure a place to live before applying for the visa, as you will need to provide proof of accommodation, such as a rental agreement or property deed, as part of your application.
What happens if my Non-Lucrative Visa application is denied?
If your Non-Lucrative Visa application is denied, you will receive a notification outlining the reasons for the denial. You have the option to appeal the decision by submitting an appeal to the Spanish consulate or embassy that processed your application.
Alternatively, you can address the reasons for the denial and reapply, ensuring that all requirements and criteria are met in your new application.
Can I appeal a Non-Lucrative Visa denial?
Yes, you can appeal a Non-Lucrative Visa denial. To do so, you need to submit an appeal to the Spanish consulate or embassy that processed your application. The appeal should address the reasons for the denial and provide any additional documentation or clarification needed to support your case.
The appeal process may take several weeks to months, depending on the complexity of your case and the workload of the consulate.
Is a background check required for the Non-Lucrative Visa?
Yes, a background check is required for the Non-Lucrative Visa. You must provide a police clearance certificate from your home country or any country where you have resided in the past five years.
The certificate should confirm that you do not have a criminal record and are not a threat to public safety. This document must be translated into Spanish and may need to be apostilled or legalized, depending on your country of origin.
How do I obtain a medical certificate for the Non-Lucrative Visa?
To obtain a medical certificate for the Non-Lucrative Visa, you need to visit a licensed physician who can conduct a thorough health check-up.
The doctor will need to confirm that you do not have any contagious diseases or conditions that pose a public health risk. The medical certificate should be issued by a certified medical professional and must be translated into Spanish.
How do I find reliable information and support during the Non-Lucrative Visa application process?
Reliable information and support can be found through official sources such as the Spanish consulate or embassy, immigration lawyers, and reputable online resources.
Joining expat communities, both online and locally, can also provide valuable insights and firsthand experiences from others who have gone through the process. Additionally, consulting with immigration advisors or relocation services can offer personalized assistance and ensure that you meet all requirements for a successful application.
Can I study in Spain with a Non-Lucrative Visa?
Yes, you can study in Spain with a Non-Lucrative Visa. While the visa does not permit you to work, it does allow you to enroll in educational courses or programs. This can include language courses, university programs, or other types of education. Studying in Spain can be a great way to integrate into the local culture and improve your language skills.
What are the tax implications of living in Spain with a Non-Lucrative Visa?
If you live in Spain for more than 183 days a year, you are considered a tax resident and must pay taxes on your worldwide income. As a tax resident, you are required to file an annual tax return with the Spanish tax authorities and declare all your income, regardless of its source.
Spain has double taxation agreements with many countries, which can help avoid being taxed twice on the same income.
Can I travel freely within Europe with the Non-Lucrative Visa?
Yes, the Non-Lucrative Visa allows you to travel freely within the Schengen Area for up to 90 days in any 180-day period.
The Schengen Area comprises 26 European countries that have abolished passport control at their mutual borders. This means you can travel to countries like France, Germany, Italy, and others without needing additional visas, making it convenient to explore Europe during your stay in Spain.
How do I prove my address in Spain for the Non-Lucrative Visa?
To prove your address in Spain, you can provide a rental agreement, property deed, or a certificate of empadronamiento (registration with the local town hall). The rental agreement or property deed should clearly state your name, the address, and the duration of your stay.
The certificate of empadronamiento is an official document that registers your residence with the local authorities and can serve as proof of address.
Is an interview required for the Non-Lucrative Visa?
An interview may be required as part of the Non-Lucrative Visa application process, depending on the consulate or embassy. During the interview, the consulate officer may ask questions about your background, reasons for moving to Spain, financial situation, and plans while in Spain.
The purpose of the interview is to ensure that you meet the requirements and have a genuine intention to reside in Spain without working.
What should I expect during the Non-Lucrative Visa interview?
During the Non-Lucrative Visa interview, you can expect to be asked questions about your personal background, financial situation, reasons for moving to Spain, and your plans while residing in the country.
The consulate officer may also inquire about your proof of accommodation, health insurance, and any dependents included in your application. It is important to answer all questions honestly and provide any additional documentation requested by the officer.
How do I get a criminal record check for the Non-Lucrative Visa?
To obtain a criminal record check for the Non-Lucrative Visa, you need to contact the relevant authorities in your home country or any country where you have resided in the past five years.
In the United States, for example, you can request a criminal record check from the FBI or your local police department. The certificate must be translated into Spanish and may need to be apostilled or legalized, depending on your country of origin.
Can I switch to a work visa later if I have a Non-Lucrative Visa?
Yes, you can apply to switch to a work visa if you find employment in Spain. To do so, you will need to meet the requirements for the work visa, including securing a job offer from a Spanish employer and providing proof of qualifications and experience.
The employer must also demonstrate that there are no suitable candidates from Spain or the EU for the position. The application process for a work visa involves submitting additional documentation and may require approval from the Spanish immigration authorities.
What are my obligations while living in Spain with a Non-Lucrative Visa?
While living in Spain with a Non-Lucrative Visa, you are obligated to maintain valid health insurance, renew your visa on time, and adhere to Spanish laws and regulations.
You must also register your address with the local town hall (empadronamiento) and fulfill any tax obligations if you become a tax resident. Additionally, you should not engage in any professional or lucrative activities while holding this visa.
Can I bring my pets to Spain with a Non-Lucrative Visa?
Yes, you can bring your pets to Spain with a Non-Lucrative Visa, but you must comply with EU regulations on pet travel. This includes ensuring that your pets have the necessary vaccinations, such as rabies, and are microchipped.
You will also need to obtain a pet passport or health certificate from a licensed veterinarian. Some breeds may have additional restrictions or requirements, so it is important to check the specific regulations for your pets before traveling.
How do I apply for permanent residency after holding a Non-Lucrative Visa?
After living in Spain for five years with a Non-Lucrative Visa, you can apply for permanent residency. To qualify, you must have maintained your visa status, demonstrated financial stability, and complied with Spanish laws.
The application process involves submitting documentation such as proof of continuous residence, health insurance, financial means, and other relevant information. Permanent residency allows you to live and work in Spain without the need for further visa renewals.
Can I get Spanish citizenship with a Non-Lucrative Visa?
After ten years of continuous residence in Spain with a Non-Lucrative Visa, you may be eligible to apply for Spanish citizenship. To apply for citizenship, you must demonstrate integration into Spanish society, including knowledge of the Spanish language and culture.
You will need to pass a language test and a citizenship test, as well as provide documentation proving your continuous residence, financial stability, and compliance with Spanish laws.
What is the healthcare system like in Spain?
Spain has a high-quality healthcare system with both public and private options available. The public healthcare system, known as the National Health System (SNS), provides comprehensive medical services, including primary care, specialist treatments, hospital care, and emergency services.
Private healthcare is also widely available and offers shorter waiting times and more personalized care. Many expats opt for private health insurance to access both public and private healthcare facilities.
How do I enroll my children in school in Spain?
To enroll your children in school in Spain, you need to register them with the local education authority.
Public schools are free for residents, and the enrollment process typically involves providing documentation such as proof of residence, your child’s birth certificate, vaccination records, and previous school records. Spain also has private and international schools, which may have different admission requirements and tuition fees.
Are there any restrictions on where I can live in Spain with a Non-Lucrative Visa?
There are no specific restrictions on where you can live in Spain with a Non-Lucrative Visa. You can choose to reside in any region or city, but you must register your address with the local town hall (empadronamiento) to comply with residency requirements.
Different regions may have varying costs of living, amenities, and lifestyle options, so it is important to research and choose a location that suits your needs and preferences.
Can I own property in Spain with a Non-Lucrative Visa?
Yes, you can buy and own property in Spain with a Non-Lucrative Visa. There are no restrictions on property ownership for non-EU citizens, and purchasing property can be a way to demonstrate proof of accommodation for your visa application.
Owning property does not automatically grant you residency rights, but it can be a valuable asset and provide a stable living situation during your stay in Spain.
What are the living costs in Spain?
Living costs in Spain vary by region but generally include expenses such as rent or mortgage, utilities, food, transportation, healthcare, and leisure activities. Major cities like Madrid and Barcelona tend to have higher living costs, while smaller towns and rural areas are more affordable.
On average, a single person might spend between $1,300 and $1,900 per month, while a family of four could expect to spend between $2,650 and $3,750 per month, depending on lifestyle and location.
How do I open a bank account in Spain with a Non-Lucrative Visa?
To open a bank account in Spain, you need to visit a local bank branch with the necessary documentation, which typically includes your passport, proof of address in Spain (such as a rental agreement or utility bill), and your NIE (Foreigner Identification Number).
Some banks may also require proof of income or financial means. The process is straightforward, and many banks offer accounts specifically designed for non-residents.
Can I drive in Spain with a US license?
US citizens can drive in Spain with an international driving permit (IDP) along with their US license for up to six months. After this period, you will need to obtain a Spanish driver’s license. To do so, you may need to take a driving test, both theoretical and practical, depending on the agreements between Spain and your home country. It is advisable to familiarize yourself with Spanish driving laws and regulations.
What are the cultural differences I should be aware of when moving to Spain?
Cultural differences in Spain include language, social norms, meal times, and general lifestyle practices. Spaniards value family and social connections, and it is common to see people enjoying long meals together.
Lunch is typically the largest meal of the day, and dinner is often served late, around 9-10 PM. Understanding and respecting local customs, such as the siesta (afternoon break), can help you integrate more smoothly into Spanish society.
How do I integrate into Spanish society with a Non-Lucrative Visa?
Integrating into Spanish society involves learning the language, participating in local activities, and respecting cultural norms. Taking Spanish language classes can greatly enhance your experience and help you communicate more effectively.
Engaging in community events, joining local clubs or sports teams, and building relationships with your neighbors can also foster a sense of belonging and connection.
Are there community resources for expats in Spain?
Yes, there are numerous community resources for expats in Spain, including social groups, online forums, and local organizations. Many cities have expat communities that organize events, provide support, and share information on living in Spain.
Joining these groups can help you make new friends, access valuable resources, and navigate the challenges of moving to a new country.
What should I know about the Spanish language when moving to Spain?
While many Spaniards speak English, especially in larger cities and tourist areas, learning Spanish is important for integration and daily life. Knowing the language will help you communicate more effectively, access services, and build relationships with locals.
Consider taking language classes before and after your move to improve your proficiency. Additionally, some regions in Spain have their own languages, such as Catalan, Basque, and Galician, which you may encounter.
How do I stay informed about changes in immigration laws in Spain?
Staying informed about changes in immigration laws in Spain involves regularly checking official government websites, subscribing to relevant newsletters, and joining expat forums or groups.
The Spanish Ministry of Interior and the Spanish consulates provide updates on visa regulations and residency requirements. Additionally, consulting with an immigration lawyer or advisor can ensure you stay up-to-date with any legal changes that may affect your status.
Can I apply for the Non-Lucrative Visa online?
The application process for the Non-Lucrative Visa generally requires in-person submission at a Spanish consulate or embassy, but some steps may be completed online.
For instance, you might be able to fill out forms and upload certain documents electronically. However, the final submission of your application and any required interviews will typically need to be done in person. It is important to check the specific requirements of the consulate or embassy handling your application.
What is the best time of year to move to Spain?
The best time of year to move to Spain depends on your personal preferences and circumstances. Spring (April to June) and fall (September to October) are generally considered the best times due to the mild weather and fewer tourist crowds.
Moving during these seasons can make the transition smoother and allow you to settle in before the extremes of summer heat or winter cold. Additionally, it can be easier to find accommodation and arrange services during these periods.