Skip to main content

Everything You Need to Know When Applying for the Spanish Non-Lucrative Visa

The Spanish Non-Lucrative (or Passive Income) Visa is a popular option for non-EU citizens, particularly American citizens, who want to live in Spain without working.

Whether you’re planning to retire, take an extended break, or simply experience the Spanish lifestyle, this visa offers a way to stay in Spain legally for an extended period.

Here’s a comprehensive, step-by-step guide to help you navigate the application process, understand the requirements, and answer any questions you might have.

What is the Spanish Non-Lucrative Visa?

Let’s start off with a quick overview – the Non-Lucrative Visa is a type of long-term residence visa that allows you to live in Spain for one year, with the possibility of renewing it for up to five years before applying for permanent residency.

The key condition is that you must have sufficient financial means to support yourself without working while in Spain.

Who is Eligible?

To qualify for the Spanish Non-Lucrative Visa, you must:

  • Be a non-EU citizen: This visa is specifically for non-EU nationals who want to live in Spain.
  • Have sufficient financial means: You must prove that you have enough income or savings to support yourself and any dependents without working in Spain (we will unpack this in more detail further down).
  • Obtain private health insurance: You need comprehensive private health insurance that covers you throughout your stay in Spain.
  • Have no criminal record: You must provide a background check showing that you have no criminal record in the last five years.
  • Not engage in any work: This visa does not allow you to work or engage in any lucrative activities in Spain (this include remote working, if you want to continue working remote for a business outside Spain, you may want to consider the Spain Digital Nomad visa instead).

Step 1: Gather the Required Documentation

Before starting the application process, you’ll need to collect all necessary documents.

These include:

  • Visa Application Form: Complete and sign the National Visa Application form. You can download this from the Spanish consulate’s website, depending on where you’re based.
  • Passport: Your passport must be valid for at least one year and have at least two blank pages. Include photocopies of all pages.
  • Two Passport-Sized Photos: These must be recent, in color, and with a white background.
  • Proof of Sufficient Financial Means: You must provide bank statements, pension statements, or proof of investment income showing that you have at least €2,400 per month (approximately $2,600) or €28,800 annually (approximately $31,200) for yourself. Add €600 (approximately $650) per month for each additional family member.
  • Health Insurance: You need to obtain private health insurance with full coverage in Spain. The policy must be with a provider recognized in Spain and must not have co-payments or deductibles.
  • Criminal Background Check: Obtain a criminal record certificate from the FBI or local police department. This document must be apostilled and translated into Spanish.
  • Medical Certificate: A letter from your doctor stating that you do not have any diseases that could pose a public health risk, in accordance with international health regulations. This must also be translated into Spanish.

Step 2: Submit Your Application

Once you have all your documents ready, you need to submit your application at the Spanish consulate or embassy in your home country.

It’s important to book an appointment in advance as consulates can be busy, especially during peak seasons.

During your appointment, you’ll submit your application, pay the visa fee (which is approximately $150), and have your biometric data collected.

Ensure that you have all the original documents and their copies, as the consulate will keep the copies and return the originals.

Step 3: Wait for Approval

After submitting your application, the processing time can take from a few weeks to three months, depending on the consulate and your specific situation.

During this time, the consulate may contact you for additional information or clarification, so keep an eye on your email and be ready to respond promptly.

Step 4: Receive Your Visa

Once your visa is approved, you will need to return to the consulate to have the visa sticker placed in your passport.

The visa is valid for 90 days, during which you must enter Spain and complete further steps to obtain your residence card (TIE – Tarjeta de Identidad de Extranjero). See next step.

Step 5: Arrive in Spain and Apply for Your TIE

Upon arriving in Spain, you have 30 days to apply for your residence card (TIE) at the local Foreigner’s Office (Oficina de Extranjeros). This card is your official ID in Spain and must be carried with you at all times.

To apply for the TIE, you’ll need:

• Your passport with the visa sticker
• A completed application form (EX-17)
• Proof of residence in Spain (e.g., rental contract)
• Passport-sized photos
• Proof of payment of the TIE fee

After submitting your application, you’ll be given a temporary TIE, and the final card will be available for pick-up in a few weeks.

Step 6: Renewing Your Visa

The Non-Lucrative Visa is initially valid for one year. After that, you can renew it for two more years, and then again for another two years, before applying for long-term residency.

To renew your visa, you’ll need to show that you continue to meet the financial and health insurance requirements, and that you’ve spent at least six months of the previous year in Spain.

Useful Advice for a Stress-Free Application Process

Now if the above sounds quite complicated, let’s put you at ease.

Firstly, if you partner with an immigration specialist like us, we can help facilitate and guide you along at every single step, doing all the heavy lifting for you, and helping make this a relatively stress-free experience.

In any event, you are some key strategies to consider, to make the process run as seamlessly as posslble for you.

  • Start Early: Begin gathering your documents well in advance. Some, like the criminal background check and its apostille, can take several weeks to obtain.
  • Ensure Document Accuracy: Double-check that all documents are correctly completed, translated, and apostilled where necessary. Missing or incorrect paperwork is a common cause of delays.
  • Organize Your Finances: Ensure that your financial documentation clearly shows that you meet the income requirements. Maintain a healthy bank balance for several months before applying to demonstrate financial stability.
  • Health Insurance Compliance: Choose a Spanish health insurance provider that offers a plan meeting visa requirements, ensuring it has no deductibles or co-pays.
  • Prepare for Consulate Appointments: Be ready to present all required documents and answer questions during your consulate visit. Make multiple copies of everything to avoid any last-minute issues.
  • Follow Up on Your Application: Stay in touch with the consulate to check on your application status. Respond promptly to any requests for additional information.
  • Plan for the Long Term: Consider the visa renewal process and the requirements for maintaining your residency status. Staying informed about Spanish immigration laws can help you avoid surprises down the road.

Common Questions and Considerations

Can I bring my family with me on the Spain Non-Lucrative Visa?

Yes, you can include your spouse and dependent children in your visa application. You will need to demonstrate that you have sufficient financial resources to support each family member, typically an additional $650 per month per person.

Can I work remotely while on the Spain Non-Lucrative Visa?

Technically, the Non-Lucrative Visa does not permit any work, including remote work for a foreign employer. However, many people on this visa do engage in remote work, but this is a gray area legally, so it’s recommended to consult with an immigration specialist to understand the risks.

What happens if my Spanish Non-Lucrative Visa application is denied?

If your application is denied, you can appeal the decision or reapply. It’s important to address the reasons for denial, which could include insufficient financial proof, incomplete documentation, or not meeting health insurance requirements.

Is there a minimum stay requirement in Spain on the Non-Lucrative visa?

Yes, to maintain your residency status, you must spend at least 183 days per year in Spain. Failure to do so could affect your ability to renew the visa or apply for permanent residency.

How much does it cost to apply for the Spain Non-Lucrative Visa?

The application fee is approximately $150, but you’ll also need to budget for health insurance, translations, apostilles, and other administrative costs, which can add up to several hundred dollars more.

Time to Move to Spain?

Applying for the Spanish Non-Lucrative Visa may sound like quite a complicated process, but with careful preparation and attention to detail, it is entirely manageable.

This visa offers an excellent opportunity to enjoy life in Spain without the pressure of finding employment.

Whether you’re retiring, taking a sabbatical, or simply looking for a new adventure, the Non-Lucrative Visa opens the door to an incredible experience in Spain.

For personalized assistance with your application or to connect with experienced tax and immigration professionals, reach out to us.

We’re here to help make your transition to life in Spain as smooth and stress-free as possible.

David Poole is a South African entrepreneur and businessman, and founder of Consult Immigration.