Spain’s Non-Lucrative Visa: How Much Money You Need

The non-lucrative visa lets non-EU citizens live in Spain without working. It suits retirees, people living on savings or investments, and anyone with passive income. The catch is in the name: you can’t work, in Spain or remotely for anyone abroad.

How much money you need

In 2026 you need income or savings of at least €28,800 a year, which is 400% of the IPREM, or €2,400 a month. Add €7,200 a year, or €600 a month, for each family member applying with you. The money can come from pensions, rent, investments or savings, and you show it with 12 months of stamped or certified bank statements.

The other requirements

You’ll need private health insurance from an insurer authorised in Spain with no co-payments, a medical certificate dated within three months, and a criminal record certificate covering the last five years, apostilled and translated. Fill in the national visa form, form EX-01 and the 790 código 052 fee form, then apply at the consulate for where you live.

After approval

Collect your visa within a month and enter Spain while it’s valid. Register on the padrón, then get your TIE within a month of arriving. If you need to work, look at the digital nomad visa instead.

Get the full document list in our Spain non-lucrative visa checklist.