Spain

Passive Income

Non-Lucrative Residence Visa

💰 Minimum Income
€2,400
per month
400% of Spain's IPREM (€600/month in 2026, unchanged since 2023 due to budget prorogation), equalling €2,400/month or €28,800/year for the main applicant. Each dependant adds 100% of IPREM (€600/month or €7,200/year).
⏱️ Duration
Initial authorization for 1 year, renewable for 2-year periods. After 5 consecutive years of legal residence, eligible for long-term (permanent) residence.
👪 Dependants
Yes
Spouse, registered or stable unmarried partner (12+ months cohabitation or common children), dependent minor children, and dependent adult children with disabilities. Each dependant files a separate application.
🛂 Citizenship Path
Yes — after 10 years
After 5 consecutive years of legal temporary residence, holders may apply for long-term residence. Spanish citizenship may be pursued after 10 years of legal residence (less for nationals of certain countries).

Spain's Non-Lucrative Residence Visa (Visado de Residencia No Lucrativa) allows non-EU nationals to reside in Spain without engaging in any work or professional activity. It is designed for retirees, pensioners, and individuals with independent financial means such as savings, passive investment income, rental income, or pensions. The program is governed by Organic Law 4/2000 and implemented through Royal Decreto 1155/2024 (replacing the previous RD 557/2011), which entered into force on 20 May 2025.

Under RD 1155/2024 (Articles 61-64), eligibility is based on financial self-sufficiency and a clean criminal record, with no specific educational or professional qualifications required. The visa strictly prohibits all work, including remote work for foreign employers.

Requirements
  • Non-EU/EEA national with no criminal record in Spain or in countries of residence during the last 5 years
  • Sufficient financial means: at least €2,400/month (400% of IPREM) for the main applicant, plus €600/month per dependant. The 2026 IPREM remains at €600/month -- unchanged since 2023, as no new General State Budget for 2026 has been approved and the 2023 figures (Ley 31/2022) have been prorogued by default.
  • Private health insurance from an insurer authorized in Spain, covering all risks of the public health system with no copayments, no deductibles, no waiting periods, and no coverage limits
  • Proof of accommodation in Spain (rental contract, property deed, or reservation)
  • Medical certificate confirming no serious public health conditions
  • Must not be inadmissible in Spain or the Schengen area
Required Documents
  • National visa application form and Form EX-01 (residence authorization request)
  • Valid passport (minimum 1-year validity, 2 blank pages, issued within 10 years)
  • Recent passport-size colour photograph (white background)
  • Criminal record certificate from countries of residence during the past 5 years (apostilled and translated into Spanish)
  • Medical certificate per 2005 International Health Regulations
  • Bank statements (3-12 months depending on consulate), bank certificates showing balance and average balance, and/or documentation of regular passive income
  • Private health insurance certificate from an insurer authorized in Spain (100% coverage, no copayments, no deductibles, no waiting periods, no coverage limits)
  • Proof of accommodation in Spain
  • Fee payment (Modelo 790, Código 052: €10.94 for initial authorization; TIE card: €16.08)

Consulate-specific documentation (not codified in RD 1155/2024): Several Spanish consulates require additional documentation to demonstrate non-employment status. Article 61 of RD 1155/2024 only requires the absence of work activity, not specific cessation evidence -- the additional documents below are imposed at the consulate level and are not a uniform MAEC rule.

As of May 2026, this stricter documentation is explicitly required by the consulates of Los Angeles, Houston, and Bogotá (mandatory) and listed as advisable in Washington; the consulate of Manchester and the embassy in Ottawa do not list it. Where required, applicants must submit:

  • A notarized sworn declaration (declaración jurada) including professional background, reasons for relocation, intended duration, Spanish address, and a formal commitment not to engage in any gainful work (in person or remotely)
  • For working-age applicants: an employer termination letter, sabbatical approval letter, or (for self-employed applicants) a notarized affidavit confirming cessation of professional activity
  • For retirees: official pension or retirement benefit documentation showing current periodic income and confirmation of continued receipt for at least 12 months

Applicants should always check the specific requirements of the consulate with jurisdiction over their place of residence.

Duration & Renewal

The initial authorization is valid for 1 year. The first renewal extends for 2 years, and the second renewal for another 2 years. After 5 consecutive years of legal temporary residence, holders may apply for long-term (permanent) residence.

Renewal under RD 1155/2024 requires: continued financial means covering the full renewal period (€57,600 for 2 years), health insurance maintained continuously throughout the entire preceding authorization period, a clean criminal record, and evidence of having resided in Spain for more than 183 days per calendar year. This 183-day effective presence requirement is now an explicit statutory condition under Article 64.1(f) of RD 1155/2024 -- a significant change from the previous regulation which had no specific numerical presence threshold.

Family Members

Eligible dependants include a spouse, registered domestic partner, stable unmarried partner with at least 12 months of cohabitation or common children (expanded under RD 1155/2024 to include unregistered partners), dependent minor children, and dependent adult children with disabilities. Each family member must submit a separate complete application. The financial requirement increases by €600/month (100% of IPREM) per dependant.

Tax Implications

Holders who spend more than 183 days per year in Spain become tax residents and must file annual income tax returns (IRPF) on worldwide income at rates of 19% to 47%. Tax residents must also declare foreign assets exceeding €50,000 via Modelo 720. Wealth tax may apply depending on the autonomous community. The Beckham Law special tax regime is not available to non-lucrative visa holders.

Employment Restrictions

The visa strictly prohibits all gainful work or professional activity in Spain, including employment, self-employment, and remote work for foreign entities. Where consulates require it, this prohibition is reinforced at the application stage through the notarized affidavit and employment cessation documentation. Violation can lead to denial of renewal or revocation of the authorization. Holders who wish to work must first apply to modify their residence status to a work-permitting category.

Application Process

Applications are submitted in person at the Spanish consulate or embassy with jurisdiction over the applicant's place of residence, or at outsourced visa application centres (e.g., BLS International). The consulate processes the visa and forwards the residence authorization request to the relevant Immigration Office in Spain. All documents must be originals with copies; foreign documents must be apostilled and translated by a sworn translator. The legal processing time is up to 3 months. Upon approval, the visa must be collected in person within 2 months.

After entering Spain (within 90 days of visa issuance), the holder must register on the municipal census (empadronamiento) and apply for a Foreigner Identity Card (TIE) within 1 month of arrival. Some consulates (e.g., Washington, Houston) require applicants to hold valid long-term residency in the consular country -- holders of short-term visas such as B-1/B-2 tourist visas may not apply from those jurisdictions.

Last verified Report an error