Non-Lucrative Residence Visa
One year of residence, renewable, for people who can live on savings or passive income of EUR 28,800 a year without working.
Visado de residencia no lucrativa
The non-lucrative visa is Spain's route for retirees and others who can support themselves without working. You show 400% of the IPREM, EUR 28,800 a year in 2026, plus EUR 7,200 for each family member, through savings or passive income. The first permit lasts one year and renews for two-year periods, leading to long-term residence after five years. It does not allow any work, and Spanish consulates have repeatedly said this includes remote work for foreign employers, so remote workers should use the digital nomad visa instead.
At a glance
Initial stay
365 days
Per entry, before extension
Entries
Multiple
Application fee
80 EUR
Processing
30–90 days
Apply
At an embassy
Valid for
12 months
Savings required
28,800 EUR
400% of the 2026 IPREM for the first year, plus EUR 7,200 for each family member. Some consulates ask for more.
Other fees
- Foreigner identity card (TIE)
- 16 EUR
Who can apply
Open to most passports, with 31 excluded.
Excluded passports (31)
Requirements
- EUR 28,800 a year in savings or passive incomeRequiredProof of 400% of the IPREM, EUR 28,800 for the first year in 2026, plus EUR 7,200 for each dependant, from savings or passive income such as pensions, rent or dividends.
- No work, including remote workAdvisoryThe permit does not allow any professional activity in Spain. Consulates treat remote work for foreign employers as work, so active remote workers are usually refused.
- Health insurance covering the stayRequiredPrivate health insurance from an insurer authorised in Spain, with full coverage and no co-payments.
- Clean criminal recordRequiredA criminal record certificate covering the last five years, apostilled and translated.
- Medical certificateInfoA doctor's certificate stating that you have no disease with serious public health implications under the International Health Regulations.
- For non-EU nationalsInfoEU, EEA and Swiss citizens do not need this visa: they can live and work in Spain under free movement.
Documents to prepare
- Passport
- Proof of savings or passive income
- Private health insurance certificate
- Criminal record certificate
- Medical certificate
- Proof of accommodation in Spain
How to apply
Last verified 2026-10-12
Apply at the consulate
~30 daysSubmit the application at the Spanish consulate covering your place of legal residence.
Enter Spain
~7 daysTravel within the visa validity and register on the municipal register.
Collect your TIE
~30 daysBook a fingerprint appointment within a month of arrival to obtain the identity card.
Extending the stay
Extendable
Yes
Per extension
730 days
Where
In country
Renewable for two years, then another two, as long as the financial means are maintained. Five years of residence leads to long-term residence.
Tax and health
Tax
Residents are taxed on worldwide income after 183 days, and Spain has a wealth tax in most regions above local thresholds.
Insurance
Required. Full private health insurance from a Spanish-authorised insurer, without co-payments or waiting periods.
Healthcare
Full private insurance without co-payments is mandatory.
Immigration and tax rules change without notice and depend on your nationality and circumstances. Confirm with the official source below or a qualified adviser before acting on anything here.
Good to know
- Apply at the consulate covering your legal residence, not one in a country you are visiting
- Savings held for the whole year are the strongest evidence
- Remote work is not allowed on this permit
- Renewals require proof that you spent more than six months a year in Spain
Official source
high confidenceOther ways into Spain