---
title: "Spain Non-lucrative visa requirements 2026: €2,400+/mo needed"
url: https://settleanywhere.com/countries/spain/nonlucrative-residence/
lang: en
updated: 2026-10-11
---

Spain · Retire or live on savings

# Spain Non-lucrative visa

**Income needed:** €2,400+ a month ≈ $2,680

Non-lucrative residence visa and residence authorization

First checked against official sources on 11 Oct 2026 [Change log](https://settleanywhere.com/changes/)

- **Income needed:** €2,400+ a month ≈ $2,680 (Income of at least EUR 2,400 a month (≈ $2,680) · Means of 400% of the monthly IPREM for the holder; the 2026 IPREM is EUR 600 a month (EUR 7,200 a year), so EUR 2,400 a month or EUR 28,800 over the one-year authorization. Funds, property or regular income can show the means. Savings of at least EUR 600 a month (≈ $670) · 100% of the monthly IPREM for each dependent family member, in addition to the holder amount. A fee of EUR 90 (≈ $100) · National long-stay visa (type D) processing fee, collected in euros or local currency; some nationalities pay a different amount under reciprocity. A fee of $13 · Residence permit fee (form 790-052) paid with the visa application at the Spanish consulate in Washington; the consulate revises it quarterly.)
- **First stay:** 1 yr (The initial authorization lasts one year from entry into Spain, and the entry visa is valid up to three months. A renewed authorization lasts two years.)
- **Who can apply:** Most passports (Third-country nationals)
- **Work:** No (No work or professional activity in Spain; the authorization is for living on your own means.)
- **Spouse work:** Can't work (Spouse, partner, minor children and adult children who cannot support themselves may be included with the additional means above. Your spouse or partner may not work in Spain on this visa.)

## Key facts

Non-lucrative visa is a retire or live on savings route for Spain. Applicants need income of €2,400+ a month ≈ $2,680. You can stay 1 yr, renewable. You can't take local work. Checked 2026-10-11 against the official source.

- **Money needed:** €2,400+ a month ≈ $2,680
- **Government fees:** €90 ≈ $100 · $13
- **First stay:** 1 yr

## Cost, time and long term

To apply: 2 government fees listed below; income to show €2,400+/mo ≈ $2,680. No lawyer or agent fee is included.

**Government fees: €90 ≈ $100 · $13**

- EUR 90 (≈ $100) National long-stay visa (type D) processing fee, collected in euros or local currency; some nationalities pay a different amount under reciprocity.
- $13 Residence permit fee (form 790-052) paid with the visa application at the Spanish consulate in Washington; the consulate revises it quarterly.

**Shown, not spent: €2,400+/mo ≈ $2,680 · €600+/mo ≈ $670**

- EUR 2,400 a month (≈ $2,680) Means of 400% of the monthly IPREM for the holder; the 2026 IPREM is EUR 600 (≈ $670) a month (EUR 7,200 (≈ $8,040) a year), so EUR 2,400 (≈ $2,680) a month or EUR 28,800 (≈ $32,200) over the one-year authorization. Funds, property or regular income can show the means.
- EUR 600 a month (≈ $670) 100% of the monthly IPREM for each dependent family member, in addition to the holder amount.

**Renewal: Renewable**

The initial authorization lasts one year; renewals last two years and must be requested in the two months before expiry.

[Boletín Oficial del Estado](https://www.boe.es/buscar/act.php?id=BOE-A-2024-24099) [Ministry of Inclusion, Social Security and Migration](https://inclusion.gob.es/en/web/migraciones/w/autorizacion-inicial-de-residencia-temporal-no-lucrativa)

**Permanent residence: After 5 years of residence**

Long-term residence needs five years of continuous legal residence; absences of up to 6 consecutive months (10 in total, or 18 for work) do not break continuity.

[Boletín Oficial del Estado](https://www.boe.es/buscar/act.php?id=BOE-A-2024-24099)

**Citizenship: After 10 years of residence**

Nationality needs 10 years of legal, continuous residence immediately before applying (2 years for nationals of Ibero-American countries, Andorra, the Philippines, Equatorial Guinea and Portugal), plus good conduct and integration.

[Agencia Estatal Boletín Oficial del Estado](https://www.boe.es/buscar/act.php?id=BOE-A-1889-4763)

**Processing: Official timeline**

The authority must decide within one month of receiving the consulate's communication (silence means refusal); renewals within three months (silence means approval).

[Boletín Oficial del Estado](https://www.boe.es/buscar/act.php?id=BOE-A-2024-24099) [Ministry of Inclusion, Social Security and Migration](https://inclusion.gob.es/en/web/migraciones/w/autorizacion-inicial-de-residencia-temporal-no-lucrativa)

**Where to apply: From abroad**

Apply at the Spanish consulate; the visa request includes the residence authorization request.

[Ministry of Inclusion, Social Security and Migration](https://inclusion.gob.es/en/web/migraciones/w/autorizacion-inicial-de-residencia-temporal-no-lucrativa) [Boletín Oficial del Estado](https://www.boe.es/buscar/act.php?id=BOE-A-2024-24099)

**Presence rules: Stay rule**

Renewal requires actual residence in Spain for more than 183 days in the calendar year.

[Boletín Oficial del Estado](https://www.boe.es/buscar/act.php?id=BOE-A-2024-24099)

## Why this route may not fit

Check this before you apply.

- Applications are made from outside Spain, not after arriving
- Work isn't allowed on this route
- Not open to EU, EEA or Swiss passports

### What you'll need

#### Who can apply

- The applicant is a non-EU adult who will reside in Spain without working or running a business.
- The applicant has no criminal record in Spain or in countries of residence during the last five years.
- Family means a spouse or partner, minor children and adult children who cannot support themselves.

#### What you must show

- Means of EUR2,400 (≈ $2,680) per month for the holder (400% of the 2026 IPREM of EUR600 (≈ $670)).
- EUR600 (≈ $670) per month is added for each family member (100% of IPREM).

#### Documents

- Application form EX-01, full passport valid for at least one year and a criminal record certificate.
- Bank statements for the period requested, with the year-end balance and the average balance of the last year.
- Health insurance from an insurer authorised in Spain and a medical certificate.

#### Steps

1. Apply at the Spanish consulate; the visa request includes the authorization request, decided within one month.
2. Collect the visa within one month and enter Spain within its validity of up to three months.

#### After you arrive

- The foreigner identity card (TIE) must be requested in person within one month of entry.
- Renewal requires more than 183 days of actual residence in the calendar year and keeps the same means test.

## What happens at day 183

How Spain decides tax residence and treats foreign-source income, from its tax records.

- **Stay on this route:** **1 year at first, renewable**
- **Tax residence:** - **More than 183 days in a calendar year** Presence in Spanish territory; sporadic absences count unless tax residence in another country is proven.
- **Foreign-source income:** Residents are taxed on worldwide income, including foreign-source income.

[All tax rules for Spain](https://settleanywhere.com/countries/spain/tax/) Tax records checked 11 Oct 2026

## What you need to arrange

- **Health insurance** Health insurance from an insurer authorised in Spain and a medical certificate
- **Police certificate and civil documents** The applicant has no criminal record in Spain or in countries of residence during the last five years
- **Money to show** This route asks for savings of €600+ a month ≈ $670.

Taken from this route's requirements above. The authority's own list is the one that counts.

**Full official text**

Residence for people who can live on their own funds or regular income without working in Spain. The authorization is requested together with the consular visa. (sources 1, 2, 3, 4, 5)

#### What you must show and pay

- Income of at least EUR 2,400 a month (≈ $2,680) · Means of 400% of the monthly IPREM for the holder; the 2026 IPREM is EUR 600 (≈ $670) a month (EUR 7,200 (≈ $8,040) a year), so EUR 2,400 (≈ $2,680) a month or EUR 28,800 (≈ $32,200) over the one-year authorization. Funds, property or regular income can show the means. (sources 2, 3, 4)
- Savings of at least EUR 600 a month (≈ $670) · 100% of the monthly IPREM for each dependent family member, in addition to the holder amount. (sources 2, 3, 4)
- A fee of EUR 90 (≈ $100) · National long-stay visa (type D) processing fee, collected in euros or local currency; some nationalities pay a different amount under reciprocity. (source 5)
- A fee of $13 · Residence permit fee (form 790-052) paid with the visa application at the Spanish consulate in Washington; the consulate revises it quarterly. (source 1)

#### Requirements

- The applicant is a non-EU adult who will reside in Spain without working or running a business. (sources 2, 3)
- The applicant has no criminal record in Spain or in countries of residence during the last five years. (source 2)
- Family means a spouse or partner, minor children and adult children who cannot support themselves. (source 3)
- Means of EUR2,400 (≈ $2,680) per month for the holder (400% of the 2026 IPREM of EUR600 (≈ $670)). (sources 2, 3)
- EUR600 (≈ $670) per month is added for each family member (100% of IPREM). (sources 2, 3)
- Application form EX-01, full passport valid for at least one year and a criminal record certificate. (source 2)
- Bank statements for the period requested, with the year-end balance and the average balance of the last year. (source 3)
- Health insurance from an insurer authorised in Spain and a medical certificate. (source 2)
- Apply at the Spanish consulate; the visa request includes the authorization request, decided within one month. (sources 2, 3)
- Collect the visa within one month and enter Spain within its validity of up to three months. (source 2)
- The foreigner identity card (TIE) must be requested in person within one month of entry. (source 2)
- Renewal requires more than 183 days of actual residence in the calendar year and keeps the same means test. (source 3)

#### Stay

- The initial authorization lasts one year from entry into Spain, and the entry visa is valid up to three months. A renewed authorization lasts two years.
- Initial permitted stay: 12 months.
- Visa validity: 3 months. Validity is the window to use the visa, not the length you may stay.
- Renewable, subject to the conditions in force at renewal.

#### Nationality

Third-country nationals Not open to: Austria, Belgium, Bulgaria, Switzerland, Cyprus, Czechia, Germany, Denmark, Estonia, Spain, Finland, France, Greece, Croatia, Hungary, Ireland, Iceland, Italy, Liechtenstein, Lithuania, Luxembourg, Latvia, Malta, Netherlands, Norway, Poland, Portugal, Romania, Sweden, Slovenia, Slovakia.

#### Work

No work or professional activity in Spain; the authorization is for living on your own means.

#### Family

Spouse, partner, minor children and adult children who cannot support themselves may be included with the additional means above. Your spouse or partner may not work in Spain on this visa.

Checked 2026-10-11

## Official sources

1. [Non-lucrative residence visa](https://www.exteriores.gob.es/Consulados/washington/en/ServiciosConsulares/Paginas/Consular/Visado-de-residencia-no-lucrativa.aspx) · Ministry of Foreign Affairs, Spain · checked 2026-10-10
2. [Sheet 6 - Initial authorization of non-lucrative temporary residence](https://inclusion.gob.es/en/web/migraciones/w/autorizacion-inicial-de-residencia-temporal-no-lucrativa) · Ministry of Inclusion, Social Security and Migration · checked 2026-10-10
3. [Real Decreto 1155/2024, Regulation of Ley Orgánica 4/2000: consolidated text (in force 20 May 2025)](https://www.boe.es/buscar/act.php?id=BOE-A-2024-24099) · Boletín Oficial del Estado · checked 2026-10-10 · published 2024-11-20
4. [Monthly and annual values of SMI and IPREM 2026](https://www.sepe.es/HomeSepe/en/Personas/distributiva-prestaciones/Cuantias-anuales.html) · Public Employment Service (SEPE) · checked 2026-10-10
5. [Orden AUC/891/2024 setting the fees for processing visas](https://www.boe.es/buscar/doc.php?id=BOE-A-2024-17292) · Official State Gazette (BOE) · checked 2026-10-11
6. [Código Civil, Art. 22 (Spanish nationality by residence)](https://www.boe.es/buscar/act.php?id=BOE-A-1889-4763) · Agencia Estatal Boletín Oficial del Estado · checked 2026-10-11

## Non-lucrative visa and its alternatives

| Route | Money needed | Stay | Work |
| --- | --- | --- | --- |
| Non-lucrative visa | Needs income of €2,400+ a month ≈ $2,680 | 1 yr, renewable | No |
| [D7 passive income visa](https://settleanywhere.com/countries/portugal/retirement-own-income-visa/) Portugal | Needs income of €920+ a month ≈ $1,030 | 2 yr, renewable | – |
| [Elective residence](https://settleanywhere.com/countries/italy/elective-residence/) Italy | Needs income of €31k+ a year ≈ $35k | – | No |
| [Independent means permit](https://settleanywhere.com/countries/greece/financially-independent-residence/) Greece | Needs income of €3,500+ a month ≈ $3,910 | 3 yr, renewable | – |
| [Visitor card](https://settleanywhere.com/countries/france/visitor-card/) France | Needs income of €1,478+ a month ≈ $1,650 | 1 yr, renewable | No |

## Questions people ask

### How much money do I need for the Non-lucrative visa?

Income of at least EUR 2,400 a month (≈ $2,680). Means of 400% of the monthly IPREM for the holder; the 2026 IPREM is EUR 600 (≈ $670) a month (EUR 7,200 (≈ $8,040) a year), so EUR 2,400 (≈ $2,680) a month or EUR 28,800 (≈ $32,200) over the one-year authorization. Savings of at least EUR 600 a month (≈ $670). 100% of the monthly IPREM for each dependent family member, in addition to the holder amount. A fee of EUR 90 (≈ $100). National long-stay visa (type D) processing fee, collected in euros or local currency; some nationalities pay a different amount under reciprocity. A fee of $13. Residence permit fee (form 790-052) paid with the visa application at the Spanish consulate in Washington; the consulate revises it quarterly.

### How long can I stay on the Non-lucrative visa?

The initial authorization lasts one year from entry into Spain, and the entry visa is valid up to three months.

### How long does the Non-lucrative visa take to process?

The authority must decide within one month of receiving the consulate's communication (silence means refusal); renewals within three months (silence means approval).

### Can I work on the Non-lucrative visa?

No. No work or professional activity in Spain; the authorization is for living on your own means.

### Can I bring my family on the Non-lucrative visa?

Spouse, partner, minor children and adult children who cannot support themselves may be included with the additional means above.

### Who can apply for the Non-lucrative visa?

Third-country nationals Not open to: Austria, Belgium, Bulgaria, Switzerland, Cyprus, Czechia, Germany, Denmark, Estonia, Spain, Finland, France, Greece, Croatia, Hungary, Ireland, Iceland, Italy, Liechtenstein, Lithuania, Luxembourg, Latvia, Malta, Netherlands, Norway, Poland, Portugal, Romania, Sweden, Slovenia, Slovakia.

### Does the Non-lucrative visa lead to permanent residence in Spain?

Time on the Non-lucrative visa counts toward permanent residence in Spain, which the rules allow after 5 years of residence. Time on the Non-lucrative visa counts toward citizenship, which the rules allow after 10 years of residence.

### How are Non-lucrative visa holders taxed in Spain?

No special regime in our records is tied to the Non-lucrative visa. The standard rules apply: Residents are taxed on worldwide income, including foreign-source income. Savings income (interest, dividends, gains) is taxed at 19% to 30% combining the state and regional portions; the general scale has a state portion of 9.5% to 24.5% plus a regional portion.

## More in Spain

[Working Holiday · Argentina](https://settleanywhere.com/countries/spain/working-holiday-argentina/) [Working Holiday · Australia](https://settleanywhere.com/countries/spain/working-holiday-australia/) [Working Holiday · Canada](https://settleanywhere.com/countries/spain/working-holiday-canada/) [Working Holiday · Japan](https://settleanywhere.com/countries/spain/working-holiday-japan/) [Working Holiday · New Zealand](https://settleanywhere.com/countries/spain/working-holiday-new-zealand/) [Working Holiday · Korea](https://settleanywhere.com/countries/spain/working-holiday-south-korea/) [Digital nomad visa](https://settleanywhere.com/countries/spain/international-telework-visa/) [Entrepreneur visa](https://settleanywhere.com/countries/spain/entrepreneur-visa/)

## Retirement and live-on-savings visas elsewhere

[🇨🇾 Retiree on foreign income](https://settleanywhere.com/countries/cyprus/category-f-retirement/) [🇦🇱 Pensioner permit](https://settleanywhere.com/countries/albania/pensioner/) [🇲🇹 Retirement Programme](https://settleanywhere.com/countries/malta/retirement-programme/) [🇧🇬 Pensioner residence](https://settleanywhere.com/countries/bulgaria/retirement-pensioner/) [🇦🇹 Financially independent permit](https://settleanywhere.com/countries/austria/settlement-no-gainful-employment/) [🇮🇪 Retirement / Stamp 0](https://settleanywhere.com/countries/ireland/retirement-stamp-0/)

## Head to head

≈ USD figures are approximate: daily reference rates from ExchangeRate-API, dated 12 Oct 2026, refreshed when the site is updated.

## How this was checked

**Checked on 2026-10-11 against 6 official sources.** Status: verified against the official sources.

Every figure on this page comes from the official source it links to. The record was researched against these sources, then reviewed separately, with special attention to effective dates and amendments. Where a source does not state something, the page leaves it out.

1. [Non-lucrative residence visa](https://www.exteriores.gob.es/Consulados/washington/en/ServiciosConsulares/Paginas/Consular/Visado-de-residencia-no-lucrativa.aspx) · Ministry of Foreign Affairs, Spain · checked 2026-10-10
2. [Sheet 6 - Initial authorization of non-lucrative temporary residence](https://inclusion.gob.es/en/web/migraciones/w/autorizacion-inicial-de-residencia-temporal-no-lucrativa) · Ministry of Inclusion, Social Security and Migration · checked 2026-10-10
3. [Real Decreto 1155/2024, Regulation of Ley Orgánica 4/2000: consolidated text (in force 20 May 2025)](https://www.boe.es/buscar/act.php?id=BOE-A-2024-24099) · Boletín Oficial del Estado · checked 2026-10-10
4. [Monthly and annual values of SMI and IPREM 2026](https://www.sepe.es/HomeSepe/en/Personas/distributiva-prestaciones/Cuantias-anuales.html) · Public Employment Service (SEPE) · checked 2026-10-10
5. [Orden AUC/891/2024 setting the fees for processing visas](https://www.boe.es/buscar/doc.php?id=BOE-A-2024-17292) · Official State Gazette (BOE) · checked 2026-10-11
6. [Código Civil, Art. 22 (Spanish nationality by residence)](https://www.boe.es/buscar/act.php?id=BOE-A-1889-4763) · Agencia Estatal Boletín Oficial del Estado · checked 2026-10-11

Tracked since 2026-10-10. Rule changes and corrections are listed on the [changes page](https://settleanywhere.com/changes/), and the [methodology page](https://settleanywhere.com/methodology/) explains how facts are checked. Found something out of date? Email [contact@stayglobe.app](mailto:contact@stayglobe.app?subject=Correction) with a link to the official source.