Spain Non-lucrative visa

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The Spain Non-Lucrative Visa (NLV) is a long-term residence permit for non-EU/EEA/Swiss nationals who wish to reside in Spain without engaging in any work or professional activity.

Unlike work or business visas, the NLV is not intended for employment but for individuals who want to live in Spain while being financially self-sufficient. This visa is popular among retirees, remote workers with passive income, investors outside the golden visa category, and those seeking a high-quality lifestyle, cultural experience, and favorable climate.

Spain is renowned for its Mediterranean lifestyle, high living standards, excellent healthcare, and rich culture, making it one of the most attractive destinations for long-term residence. The NLV allows foreigners to live legally in Spain, integrate into local life, and eventually, with renewals, pursue permanent residence or even citizenship.

What is the Spain non-lucrative visa?

The non-lucrative visa is a residence permit for individuals who can support themselves financially without working in Spain. It is typically granted for one year initially, with the possibility of renewal for two-year periods, provided that the applicant continues to meet all requirements.

Key features of the NLV:

No work rights: The visa does not permit employment, freelancing, or running a business in Spain.

 

Financial independence: Applicants must demonstrate sufficient funds to cover living expenses for themselves and their dependents.

 

Pathway to permanent residence: After five years of continuous residence, visa holders may apply for permanent residence, and after ten years, for citizenship.

 

Family inclusions: Spouses, minor children, and dependent adult children can be included in the application.

The visa is ideal for those seeking a stable, long-term life in Spain, enjoying cultural experiences, climate, lifestyle, and the opportunity to immerse themselves in the local environment.

Eligibility criteria

To qualify for the Spain NLV, applicants must meet several eligibility requirements.

1. Nationality

Applicants must be non-EU/EEA/Swiss nationals, as citizens from these regions enjoy freedom of movement and residence in Spain. Applicants must generally apply from their country of legal residence, although some consulates may accept applications from a third country under exceptional circumstances. Such approvals are discretionary and not guaranteed.

2. Intention not to work

A key condition of the NLV is that the applicant will not engage in any work or business activity while in Spain. Any violation of this condition can result in visa revocation and jeopardize future applications. Applicants must clearly declare their intention to reside in Spain without seeking employment and provide proof of financial independence.

3. Valid passport

Applicants must have a passport valid for at least one year from the date of application, with sufficient blank pages for visa stamps. Passports near expiration may result in delays or rejection.

4. Clean criminal record

Applicants must provide a police clearance certificate from all countries where they have resided for more than six months. Certificates must be legalized or apostilled and translated into Spanish. This ensures the applicant does not pose a security threat to Spain.

5. Medical certificate

A recent medical certificate is required to show that the applicant does not have communicable or serious diseases. For applicants over 65, consulates often require a standardized format explicitly confirming the absence of communicable diseases and conditions listed by the Spanish Ministry of Health. Many consulates now also require confirmation of COVID-19-related health coverage as part of this certificate.

6. Proof of accommodation

Applicants must provide evidence of residence in Spain, which can include:

This proves that the applicant has a place to live upon arrival.

7. Intention to reside in Spain

Applicants must demonstrate a genuine intention to live in Spain for more than 183 days per year, establishing residency and complying with tax regulations.

Financial requirements

Financial self-sufficiency is the most critical aspect of the NLV. Spanish authorities require applicants to demonstrate the ability to support themselves and dependents without employment.

Minimum financial thresholds (2025)

Acceptable sources of funds

Applicants can meet the financial requirement through:

Special considerations

Financial evidence should be presented in a clear, organized manner to satisfy consular scrutiny.

Health insurance requirements

Applicants must maintain private health insurance covering:

Short-term travel insurance is insufficient, as non-lucrative visa holders cannot access Spain’s public healthcare system. Proof of insurance is mandatory both for the visa application and for renewals.

Application process

Document preparation

Applicants must prepare a complete set of documents:

All documents must be translated into Spanish and legalized or apostilled. Proper preparation reduces processing delays and rejection risk.

Consular submission

Applications must be submitted at the Spanish consulate or embassy with jurisdiction over the applicant’s residence. Steps include:

Processing time

Processing typically takes 1–3 months, depending on consulate workload. Delays are common, so applicants should apply well in advance of their planned travel.

Arrival in Spain

Upon arrival, visa holders must:

Delays in TIE issuance are common, so early registration and preparation are recommended.

Renewals and long-term residence

Renewal process

The initial visa is valid for one year. Renewals are generally granted for two-year periods if:

Renewal applications must be submitted from within Spain before the current visa expires. Late submissions can result in the loss of residence rights.

Permanent residence and citizenship

After five years of continuous residence, applicants may apply for permanent residence. After ten years, they may seek Spanish citizenship, subject to language, cultural integration, and legal requirements.

Taxation considerations

Residency in Spain for more than 183 days per year generally establishes tax residency, even if the applicant is not working. Obligations may include:

Applicants should plan financial matters carefully to avoid unexpected liabilities or conflicts with international taxation rules.

Family members

Applicants may include:

Financial thresholds increase with each dependent. Supporting documentation, including birth and marriage certificates, is mandatory and closely scrutinized by consulates.

Common pitfalls and practical tips

Applications can face delays or rejection due to:

Proper planning, detailed documentation, and professional guidance help minimize these risks.

Why work with LawSentis

LawSentis offers full support for NLV applicants:

Working with LawSentis ensures applicants avoid errors, reduce delays, and maximize approval chances, making the process as smooth as possible.

FAQ's

Frequently Asked Questions

Have questions or need more information? Our team is here to help.

The financial requirement is tied to the IPREM (Spain's public income indicator). For 2026, the IPREM is set at €600 per month. As the main applicant, you must prove you have 400% of this amount, which totals €2,400 per month or €28,800 per year. If you are bringing family members, you need an additional 100% of the IPREM (€7,200 per year) for each dependent. While these are the legal minimums, many consulates strongly recommend a "financial cushion" of at least €33,000 for the main applicant to account for exchange rate fluctuations and inflation.

Technically, no. The Non-Lucrative Visa is strictly for those who will not engage in any professional activity. While some consulates were more lenient in the past, the 2026 guidelines are much stricter due to the existence of the Digital Nomad Visa. If your income comes from active remote work (a salary or freelance clients), the Spanish authorities will likely direct you toward the Digital Nomad route instead. The NLV is now almost exclusively reserved for retirees with pensions, or individuals living off truly passive income like rental properties, dividends, or significant life savings.

Yes, and it is a critical requirement for renewal. To keep your residency and eventually qualify for permanent status, you must live in Spain for more than 183 days per calendar year. This effectively makes you a tax resident of Spain, meaning you are legally required to declare your worldwide income to the Spanish tax authorities. If you spend less than six months in the country, you risk having your renewal denied, as the government views the NLV as a residency permit for people who actually intend to make Spain their primary home.

Spanish consulates are famous for rejecting NLV applications based on the wrong insurance policy. Your private insurance must be from a company authorized to operate in Spain and must provide "full coverage" equivalent to the public system. This means it must have zero co-payments (sin copagos) and no deductibles. If you have to pay even €5 to see a doctor, the visa will be denied. Additionally, the policy must include repatriation of remains back to your home country, which is a mandatory clause for this specific visa type.

The initial NLV is valid for one year. When you go to renew it, you are actually applying for a two-year residency permit. This means you must prove you have double the financial means to cover that entire two-year period upfront. For a single applicant in 2026, this would mean showing roughly €57,600 in savings or guaranteed passive income. You must submit this renewal from within Spain during the 60 days before (or 90 days after) your current card expires.

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