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Non-Lucrative Visa Spain >> New 2023 Guide + How to Apply

Published December 14, 2022 | Last Updated January 18, 2023
Written by Alastair Johnson | Reviewed by: Raquel Moreno

The Spanish non-lucrative visa is a popular residence visa option for non-EU citizens looking to live in Spain. However, the non-lucrative visa doesn’t allow you to work; to qualify, you must show that you can financially support yourself. This article will cover the non-lucrative visa financial requirements for 2023 + how to apply successfully.

If you want to understand your personal eligibility for the Non Lucrative visa, you can book a 30-minute consultation with our recommended immigration lawyers in Spain. Raquel and her team will assess your eligibility, explain the steps in getting the visa, and, if needed, provide a quote to help with the whole process. Read the excellent reviews they receive from other clients we send to them.

The information in this article was verified by our Spanish immigration lawyer partner in January 2023.

YouTube video
Our easy video guide to the Spain Non-Lucrative visa with 2023 financial requirements & updated application process.
Table Of Contents
  1. What is the Spanish non-lucrative visa?
  2. Who can apply for a Spanish non-lucrative visa?
  3. Spain’s non-lucrative visa requirements
  4. NEW: 2023 financial requirements for the Spain non-lucrative visa
  5. What are the advantages of the Spain non-lucrative visa?
  6. Spain’s non-lucrative visa restrictions
  7. Spain retirement visa
  8. The non-lucrative visa application process
  9. What is the renewal process for the non-lucrative residence visa in Spain?
  10. Remote work on the non-lucrative residence visa in Spain
  11. Freelancers, digital nomads, and contractors
  12. Spain non-lucrative visa for UK citizens after BREXIT
  13. Can I transfer my Spain non-lucrative visa for another visa or permit?
  14. Tax implications of the Spanish non-lucrative visa
  15. Spain non-lucrative visa vs. Spanish golden visa
  16. The easy way to get your Spain non-lucrative visa
  17. Non-lucrative visa Spain FAQ from Where Can I Live

What is the Spanish non-lucrative visa?

  • The NLV provides long-term residency status in Spain to non-EU / EEA / Swiss citizens.
  • It is a Passive Income Visa – you must show you can support yourself during your stay.
  • The visa gives you and your family the right to live and study in Spain.
  • It is an excellent option for anyone looking to retire to Spain.
  • It is a pathway to Permanent residency (PR) in Spain, Spanish citizenship, and an EU passport.
  • In Spanish, the visa is called “residencia no lucrativa España.”

Who can apply for a Spanish non-lucrative visa?

This program is open to citizens of any non-EU/EEA/Swiss nation and their direct families. Eligible family members include your spouse or civil partner and any dependent children.

  • People with a pension, annuity, or endowment.
  • Those with enough savings to live on.
  • Beneficiaries of income-producing investments.
  • Retirees who want to live in Spain.

Spain’s non-lucrative visa requirements

There are four requirements for a successful application. You’ll need to:

  1. Show that you can support yourself and any family members without working.
  2. Obtain qualifying health insurance.
  3. Prove you are in good health.
  4. Have a police record free of any serious crimes.

NEW: 2023 financial requirements for the Spain non-lucrative visa

The financial requirement uses IPREM (an index reference figure used in many official calculations.) The Spanish Government has announced IPREM for 2023 of €600 per month (a 3.6% increase on the 2022 amount.)

This means that the Spanish non-lucrative visa financial requirement for 2023 are:

  • Primary Applicant: 400% x annual IPREM= €28,800
  • Each Dependent: 100% x annual IPREM = €7,200

This table shows the minimum 2023 financial requirements for an application using the 2023 IPREM.

Who is applying 2023
Single Applicant €28,800
Applicant + 1 dependent €36,000
Applicant + 2 dependents €43,200
Applicant + 3 dependents €50,400
2023 Financial requirements for a NLV application

Using the exact amount in your application does raise questions. For this reason, the suggestion is to have €35,000 as a minimum for an Applicant + 1 Dependent. If you include more dependents on your application, add a similar buffer for each one. Discuss this amount with your Spanish immigration lawyer; they’ll be able to give you advice specific to your case and application.

Our non-lucrative visa immigration lawyer’s advice – 2023 financial guide

Meeting the exact amount in your application may raise questions. For this reason, the suggestion is to have €30,000 as a minimum annual income for a single applicant. They suggest a similar buffer for each dependent. Discuss this amount with your Spanish immigration lawyer; they’ll be able to give you advice specific to your case and application.


Need help with your Spanish non-lucrative visa?

Don’t waste time searching for an immigration lawyer you can trust >> we have done the research and vetting for you. 

Raquel and her team have represented many of our NLV clients and get 5-star reviews for their service.

Book a 30-minute consultation with them to find out how they can make the application process easy for you too.


Applying using savings instead of income (or a combination).

Our Spanish Immigration Lawyer partner has managed successful applications that don’t meet the income requirements. In these cases, they present evidence of significant savings instead.

Their experience is that applications with these combinations of income and savings (for a single applicant) can work:

  • Some regular qualifying passive income and at least €30,000 of savings in a bank account in your name.
  • At least €60,000 in a bank account in your name without passive income.

Generally, the savings can be in a bank account in your country. But, for some nationalities, including China and Russia, funds should be deposited into a local Spanish bank account.

Recent experience is that UK citizens applying in the London and Manchester consulates may get more flexibility, especially if they own property in Spain.

Health and medical insurance requirements

You need to pick one of two options for qualifying insurance.

  1. Spanish private health insurance. This cover is the best choice if you plan to live in Spain long-term.
  2. Expat health insurance. A good choice if you plan to live in more than one country in the future.

The private medical or health insurance policy for your non-lucrative residency visa application must:

  • Be a valid private health insurance policy from an insurance company authorized by the Spanish government.
  • Offer full health insurance coverage in all of Spain.
  • Have no co-payments.
  • Cover at least the entire term of the visa.

Get three qualifying Spain health insurance quotes from one easy form

You’ll need the right health insurance for your non-lucrative visa application.

Use our research, experience, and connections to get the right healthcare coverage at discounted prices.

Click here to fill in one form and get three quotes from our recommended insurers.


Medical certificate

You’ll need a medical certificate proving physical and mental health. You must also be free from contagious diseases listed in the 2005 International Health Regulations.

Police report

The report should be issued by the Police Department where you have lived for the at least the last year. Consult with your Spain immigration lawyer, as the exact periods vary for different embassies.

If you have a criminal record, we recommend speaking to a quality Spanish Immigration Lawyer for advice before applying.

Flowers in Andalucia, Spain
Beautiful blue pots hang on the walls in many towns in Andalucia, Spain

What are the advantages of the Spain non-lucrative visa?

  • You don’t have to invest to qualify.
  • You can renew the visa for 2 x 2-year periods. This means it meets the 5-year threshold for permanent residency.
  • It is a pathway to Spanish citizenship and an EU passport.
  • You only need to spend six months per year in Spain to be able to renew the visa.
  • It allows visa-free travel to any of the 26 SCHENGEN member nations.
  • You can convert the non-lucrative visa to one of Spain’s 10 Work Permits after one year.
  • You can include family members on your visa. Your dependents can attend school or study while on the visa.
  • You can study in Spain. This includes paid internships.
  • You can make investments in the Spanish economy. Possible investments include shares in a business, stocks, property, and funds.
  • You can buy a house in Spain, as an investment or as your home.
  • It makes an effective Spain retirement visa.
  • It is an excellent immigration option for US citizens, UK citizens, and other nationalities.

Spain’s non-lucrative visa restrictions

There are four main restrictions.

  • You cannot do any work that generates an income working for a Spanish company or Spanish clients. Remote work is a grey area, so please see the section on Remote Work for the latest expert legal advice. However, paid internships are allowed as they are classified as education.
  • You don’t have access to the public healthcare system. You must have sufficient Spanish Private Health insurance or Expat health insurance.
  • Neither you nor your family members cannot claim benefits.
  • You must spend more than 183 days per year in Spain to renew the visa. This can make you a legal tax resident in Spain.

Spain retirement visa

Spain does not have a specific retirement visa. But the NLV fits the bill perfectly.

As long as you meet the requirements and have the financial means required, you can retire to Spain on this visa. If you want, you can transition to permanent residency after five years.

As a retiree in Spain, you’ll not be working. And you will be able to show pensions and investments as evidence of your financial security for your retirement.

The non-lucrative visa application process

There are two parts to the process, one in your country of origin and another in Spain.

Part 1: Home country application process

The first thing to note is that you must apply in your home country at the nearest Spanish Consulate or Embassy.

You’ll need to translate most documents into Spanish and have some certified with the Hague Apostille process.

An experienced Spanish Immigration lawyer will help with documentation, translation, and certification requirements. Importantly, your application fees will not be refunded if your application is rejected.

Standard required documents for all non-lucrative residence visa applications also include:

  • Your valid passport and certified copies of each page.
  • Your visa fees (see below for full details of the visa fees.)
  • Two copies of the completed visa application form
  • Tasas Extranjeria – Modelo impreso 790
  • EX-01 – Formulario
Sample form F01 used for your Spain non-lucrative visa application.
Form 01 used for your Spain non-lucrative visa application

Part 2: On arrival in Spain

You’ll need to apply for a residence card within 30 days of arriving in Spain. There is no specific non-lucrative residence permit; you’ll receive a TIE, the name of your foreigner’s identity card.

How much does the non-lucrative visa cost?

Visa fees for the non-lucrative visa vary depending on where you apply (due to reciprocity treaties.) You pay fees in local currency, usually by bank order.

  • USA – €123
  • Canada – €507
  • Most others – €80

How long does the non-lucrative visa application take to process?

Application processing times vary depending on where you apply. Most applications are processed between 2 and 5 weeks, but in some countries, it can take up to 3 months. Applications in the UK and USA can vary depending on the consulate where you apply. Ensuring all documentation is in perfect order before you submit it will speed up the processing time.

Once the visa is granted, you have four weeks to collect your document, or the visa can be canceled.

How long do you have to enter Spain after the visa is granted?

You have 90 days to arrive in Spain after your local consulate or embassy issues your visa.

The blossoms in Spring in our town in Spain
The blossoms in Spring in our hometown in Spain

What is the renewal process for the non-lucrative residence visa in Spain?

You can renew your non-lucrative residence visa for two additional two-year periods. This gives you a total of five years of residence.

  • Initial non-Lucrative Visa > 1 year
  • Renewal 1 > 2 years
  • Renewal 2 > 2 Years

The renewal process is similar to the application, with three crucial differences.

  • You must have lived more than 183 days in Spain for each year of the visa.
  • You can apply for the renewal in Spain.
  • If you have kids of school-going age, you’ll need to show they attended school.

After five years of living in Spain, you are eligible for Spanish permanent residency (PR).

Remote work on the non-lucrative residence visa in Spain

Remote Work: Advice from our expert Spain immigration lawyer

Our partner has recently advised us that embassies in San Francisco and London are rejecting applications that include remote work. Other embassies and consulates have followed this example.

To avoid rejection, only use passive income or savings in your application.

  • Our present advice is that you should exclude remote work from your application. However, your nearest consult assesses your NLV application, and consulates sometimes have differing interpretations of the rules. Some consulates may still accept income from remote work for non-Spanish companies as part of the income to qualify for the NLV. However, most consulates insist that all income is passive (i.e., pensions, investments, etc.). And some consulates may ask you to declare that you will not work remotely.
  • Some embassies and consulates check bank statements for evidence of a paid salary. If there is evidence that you are paid a salary, the consulate may want proof that your employer has terminated your employment.

However, once you have been granted a non-lucrative residence permit, there is no legal restriction on remote work for non-Spanish companies.

We strongly suggest speaking to our partner if you plan to work remotely. They will ensure your application has the best possible chance of success.

Other immigration options for remote workers in Spain

There is one other option for those who want to work remotely from Spain. There is a Spain Self-Employed Work Permit. Our partner is confident that this is a reasonable option in certain circumstances.

You’ll need to be very careful in how you frame the work and manage the application to succeed.

We’ll have details of the new Spanish Digital Nomad visa as soon as it is released. The draft is perfect for remote workers in Spain.

Freelancers, digital nomads, and contractors

There is exciting news: Spain is launching a new Digital Nomad Visa in 2023. It looks perfect for freelancers, digital nomads, and long-term contractors.

Until then, if you are looking at the NLV, you can’t legally work if your clients are in Spain. But, like the remote work above, if all your clients are outside Spain, you may be OK with your application. If you are in this category, seeking advice on your specific circumstances is recommended.

If you can run your business from Spain, then the self-employed Spain work permit (autonomo) may be a better fit.

Spain non-lucrative visa for UK citizens after BREXIT

Since 1st January 2021, UK Citizens have fallen under the Legal Regime for Foreigners. This ruling means you’ll need a visa or residence permit to live in Spain.

British citizens must now follow the NLV application process like any non-EU, EEA, or Swiss citizen. This means British citizens must apply at the nearest Spanish embassy or Spanish Consulate in the UK.

For more information, please see our guide for UK citizens moving to Spain after BREXIT.

Can I transfer my Spain non-lucrative visa for another visa or permit?

You can transfer to another visa or work permit after the first year. This includes transferring to one of Spain’s ten available work permits.

If the new visa or permit requires you to apply in your home country, you must return home and apply. An example of this is Spain’s student visa.

You cannot transfer from another visa or permit to a non-lucrative visa.

Tax implications of the Spanish non-lucrative visa

Please note that this is general advice and is not specific to your circumstances.

To meet the renewal criteria, you must live in Spain for 183 days per year. If you live in Spain for more than six months a year, you may become a Spanish tax resident.

Your worldwide income may be liable for Spanish tax. Be aware that most countries have tax treaties with Spain, avoiding double taxation.

You can book a consultation with our expert Spanish Tax Partner to start effective tax planning.

Spain non-lucrative visa vs. Spanish golden visa

The Spain Golden Visa may offer some advantages for anyone looking to buy a house or invest in Spain.

  1. You can work in Spain (self-employed or for a company).
  2. There is no minimum stay requirement, so you do not have to live in Spain. You only need to visit Spain once per year.
  3. You do not have to become a Spanish tax resident.
  4. You don’t have to visit Spain while applying; a designated lawyer can do everything for you. Or, you can apply while living in Spain.

Please see our detailed article to see if the Spain Golden Visa is right for you and your family.

The easy way to get your Spain non-lucrative visa

Can you do it yourself?

Yes, you can manage the application yourself, but it increases the risk of delayed or rejected applications.

A good Spanish Immigration Lawyer will make the process simple

  • They understand Spanish Immigration Law and are experts in NLV applications.
  • Assess if this is the correct visa for you (and be honest if it is not).
  • List and explain all the documents you need and any translations that are required.
  • Fill in the forms for you in Spanish.
  • Draft a motivation letter the consulate will accept.
  • Review all documents and the application to ensure first-time success.
  • Organize the translations of required documents into Spanish.

“Thanks to Where Can I Live my consultation went very well. The lawyer was very pleasant and helpful. I am just starting the process of a non-lucrative visa for Spain, and I had a lot of questions which he answered quite clearly for me. I was also pleased to see how much they will help me and the low cost of their services.”

Victoria M. March 2021

And, once you have your visa, our partners can help you to settle in easily. They can help with getting your residence card and much more.

  • Securing suitable appointments with local Spanish authorities.
  • Completing all relevant documentation and translations.
  • Sort out day-to-day administration. This includes setting up a bank account, insurance, utilities, etc.

If you would like help from our trusted Spain Immigration lawyers, please click here to book a consultation.

Non-lucrative visa Spain FAQ from Where Can I Live

What is non-lucrative residency in Spain?

The non-lucrative residency gives non-EU citizens with suitable financial means the right to live in Spain for more than 6 months. There is a restriction on working while a non-lucrative legal resident in Spain – you cannot earn money professionally.

Who can apply for a Spain non-lucrative visa?

You can obtain a non-lucrative visa as a non-EU/EEA/Swiss citizen, as long as you meet the visa requirements and have the financial means to support yourself.

Can UK citizens apply for a non-lucrative visa after BREXIT?

Yes, the non-lucrative visa is the most popular option for UK citizens moving to Spain after BREXIT.

What are your fees for a non-lucrative visa for Spain?

Each application is different, so we can’t give you an exact figure before meeting with one of our lawyers. We’ve done a comprehensive assessment of the market; our Spanish Immigration Lawyer partner offers exceptional value and quality of work.

What fees do the embassy/consulate charge?

The application fee for Spain’s non-lucrative visa varies depending on the country of origin, the consulate/embassy, and the document requirements. A rough budget is £500 in the UK, CAD$500 in Canada, and USD$150 – 200 in the USA.

Do I get a refund if my NLV application is rejected?

No, there is no refund. For this reason, we strongly recommend using a quality NLV Spanish Immigration Lawyer.

Where do I submit my Spanish non-lucrative visa application?

You must use the nearest consulate or embassy to your current place of residence. Here are some popular options -> UK: London, Manchester, or Edinburg ->USA: Boston, Chicago, Houston, Los Angeles, Miami, San Francisco, or Washington DC.

Can I submit my non-lucrative visa application in Spain?

No, you must apply in your home country of origin at the nearest Spanish consulate or Spanish embassy.

When should I start to gather the required documents for my non-lucrative residency permit application?

Most documentation must be less than three months old; you’ll need to ensure you have everything still valid at the time of your appointment.

How long does it take to get a non-lucrative visa appointment at the consulate/embassy?

The wait time differs by consulate and can change over time. Please speak to your Spanish Immigration Lawyer for the best time to book your appointment to ensure you have all your documentation without any documentation older than three months.

How long will it take to process my Spain non-lucrative visa application?

The time to process your non-lucrative visa and residency permit application depends on the consulate, but assume a minimum of 1 month and a maximum of 3 months for application approval. If you submit an incomplete application or there are issues with documentation, this can take considerably longer.

Can my proof of funds for my non-lucrative visa be held in a Spanish bank account?

Yes, The consulate will accept funds in a Spanish bank or in a bank account in your home country for your non-lucrative visa application.

Is a DBS for OK for the non-lucrative visa police and criminal record check?

No, an ACRO is required.

Is there an expiry for the required documents included in my non-lucrative residency visa application?

Yes, most documentation must be less than three months old.

Do I need an address in Spain when I apply for a non-lucrative visa for Spain?

All consulates are different; however, a lack of address may result in rejection, so we recommend discussing this with your Spain Immigraiton Lawyer.

Is a letter from my GP OK for the non-lucrative application medical certificate?

Yes, if it uses the required text and format. Our preferred Spanish Private Health Insurance partner also offers a service for a Spanish doctor to issue the health certificate without the need for translations or certifications.

What are the health insurance requirements for my non-lucrative visa Spain application?

You must have comprehensive cover with no excess and have paid for a year of cover. An approved health insurance company authorized by the government must issue the policy. See here for our recommended Spanish Private Health Insurance options for the NLV.

What documents do the secondary applicants / additional dependents need for a Spanish non-lucrative visa application?

You’ll need the same documentation for each person included in the application.

Can you reapply if your non-lucrative visa application is rejected?

Yes, but you’ll need to pay the application fee again. A good quality Spanish Immigration lawyer will not charge you for updating and resubmitting a rejected application.

Where do I collect my non-lucrative visa?

You’ll collect your passport with the non-lucrative visa from the embassy/consulate where you submitted the application.

What is the IPREM that the Spanish Immigration Service uses for the non-lucrative visa financial requirement?

The Spanish government uses IPREM as a base figure for many government calculations related to cost-of-living. The government reviews the IPREM annually, and the IPREM for 2023 is €600 per month.

How much money do you need for a non-lucrative visa in Spain in 2023?

In 2023, the primary applicant must show €28,800 per year (400% x IPREM) to qualify for Spain’s non-lucrative visa.

What is the non-lucrative visa financial requirement in 2023 for additional dependents included in your application?

In 2023, you’ll need €7,200 (100% x IPREM) for each dependent included on your non-lucrative visa Spain application.

Can I reduce the non-lucrative visa financial requirements if I own property in Spain?

No, properties are only considered in Spain Golden visa applications

Can I get a non-lucrative visa if I buy a house in Spain?

Yes, there is no restriction on buying property in Spain. However, if your property is worth more than €500,000, the Spain Golden Visa may be a better option.

Once Spanish immigration issues my non-lucrative visa, what do I do next?

After you collect your non-lucrative visa, you have three months to move to Spain. You have one month after arriving in Spain to register your residency and receive your residence permit (for your NIE and TIE).

How long is my Spanish non-lucrative visa valid for?

The initial Spanish non-lucrative visa is valid for two years.

Can I renew my non-lucrative visa in Spain?

Yes, you can renew your non-lucrative visa in Spain for two additional two-year periods, making six years in total.

Can I apply for Spanish permanent residency after living in Spain on a non-lucrative visa?

Yes, the non-lucrative visa in Spain is accepted for Spanish PR and is a pathway to Spanish citizenship.

Can I transfer to different immigration permission from the non-lucrative visa in Spain?

Yes, after one you can transfer to a different program, including one of Spain’s ten Work permits.

Is the Spanish non-lucrative visa good for retirees?

Yes, the non-lucrative visa is the Spain retirement visa and is perfect if you want to retire in Spain.

Do you have to pay taxes in Spain with a non-lucrative visa?

There is a requirement to live in Spain for a minimum of 183 days per year, making you resident in Spain for taxation. Our expert Spanish tax lawyer can advise you on managing this effectively.

Can I work in Spain on a non-lucrative visa?

No, the visa conditions forbid working in Spain either as an employee of a Spanish company or as a self-employed person (autonomo).

Can I do remote work for a foreign company?

Our NLV immigration layer has seen application rejections that include remote work but not in all consulates/embassies. For this reason, we advise excluding any remote work from your non-lucrative visa Spain application.

Is Spain accepting non-lucrative visa applications?

Yes, all Spanish consular visa services are currently accepting applications.

About Alastair Johnson

Alastair has lived in South Africa, the United Kingdom, Australia and Spain. He's travelled and worked in more than 50 countries so far. He's an owner and founder of Where Can I Live, a company created to help you share in the joy and opportunity of living abroad.

If he's not researching the latest visa, immigration, and residency opportunities he's either hiking or scuba diving.

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