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VISAS

Worker, retiree or investor: What type of Spanish visa do I need?

If you’re from a non-EU country you will need a visa in order to stay in Spain for longer than 90 days, but knowing which type of permit is best for you can be tricky. Here's how to find the right one for you based on your circumstances.

Worker, retiree or investor: What type of Spanish visa do I need?
What Spanish visa should you apply for if you're a non-EU national wanting to stay in Spain for longer than three months. Photo: Mikhail Nilov/Pexels

If you are a citizen of a non-EU country then you may benefit from the 90-day rule, allowing you to visit Spain for 90 days out of every 180 without needing a visa. Countries including the UK, USA, Canada and Australia all benefit from this rule.

Citizens of certain countries require a visa even for a short trip – find the full list here.

However, the tricky part comes when you want to move to Spain and spend longer than just those three months. What are your visa options, whether you want to move to Spain to retire, to work or even to set up your own business? 

Retirees:

The best option for retirees is to apply for the non-lucrative visa (NLV). This allows you to live in Spain for one year, but as the name suggests you are not allowed to work.

In order to apply an applicant must show they have €27,792 at their disposal for one year (€34,740 if it’s a couple), as well as comprehensive health insurance.

If you want to stay in Spain beyond this year, you can either renew it for a further two years (again proving you have the financial means) or change your visa for a work permit or a self-employed permit through the residence modification process.

The NLV is also the best option for those who want to live abroad temporarily. Those who want to stay in Spain for more than three months, but are not planning on living here permanently. It’s ideal for those on a sabbatical for example who have savings or investments and who do not need to work in Spain while here, but want to stay here for a year. It’s also the best option for those who have the financial means to do so.

READ ALSO: What are the pros and cons of Spain’s non-lucrative visa?

retiree in Spain

The NLV is the right visa for most non-EU retirees who want to live in Spain. Photo: pasja1000 / Pixabay

Workers:

If you plan on moving to Spain for work or in order to look for a job, then you will need a work permit. Unfortunately getting a work permit can be tricky because in most cases as a non-EU national, the position you apply for must be on Spain’s shortage occupation list.

Your employer will also have to prove that there were no other suitable candidates within the EU to be able to fulfill the vacancy. This means that only highly skilled workers or those that work in industries that need workers are likely to be successful. These mostly include jobs in the maritime or fishing industries or sports coaches.

If you are wanting to become self-employed, then the entrepreneur visa could be a good option, allowing you to live in Spain for one year in order to open up a business. Be aware however your business must be considered as anything of innovative character with special economic interest for Spain.

You will have to prove you have the necessary qualifications to set up your business and will also have to submit your business plan to the authorities for it to be approved. The entrepreneur visa can be extended for a further two years after your initial one has been granted.

READ ALSO: What you need to know about Spain’s visa for entrepreneurs

Investors:

If money is no object and you want to invest in a Spanish property then, you’ll want to apply for Spain’s golden visa. To be eligible, you must invest €500,000 before taxes in a property here. It won’t allow you to work, but it will allow you access to the entire Schengen area. This will also allow your spouse and any dependent children to move to Spain with you.

Another option for investors is the entrepreneur visa as described above, if you want to use your investment to set up a business in Spain.

Joining family members:

If you happen to have a family member who is an EU citizen and lives in Spain or a non-EU relative that has residency in Spain, then you have another option. This is called the family reunification visa. However, in order to be eligible, you need to be a spouse or a dependent child and your relative must have the means to financially support you. 

READ ALSO:

Students:

Enrolling on a course and applying for a student visa is one way for non-EU citizens of any age can live in Spain beyond the regular length of a tourist stay. 

You will have to apply for a short-term or long-term student visa, depending on the length of their course. A student advantages can several advantages such as being able to work part-time or bringing over family members. 

READ MORE: What are the pros and cons of Spain’s student visa?

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For members

ECONOMY

Visas and benefits: How Spain’s budget freeze affects foreigners

By postponing its budget for 2024, the Spanish government will not update an important income index that could have two big impacts on foreigners living in Spain.

Visas and benefits: How Spain's budget freeze affects foreigners

The Spanish government has decided to not move forward with its budget for 2024, reasoning that the calling of early elections in Catalonia will disrupt the legislative agenda. Instead, the Socialist-led government will now work on the budget for 2025.

Spain’s Minister of Finance, María Jesús Montero, told Cadena SER that postponing the budget is “the sensible thing to do” in light of the electoral climate. This is especially true when the Catalonia campaign will likely take up a huge amount of political capital for the government as it seeks to rally support around its controversial Amnesty Law for separatists.

READ ALSO: Spain finally passes controversial amnesty law for Catalan separatists

According to Spanish law, when a government doesn’t present a budget the previous year’s budget is automatically extended. But how, if at all, does this affect foreigners in Spain?

Financial aid and benefits

There are two main impacts, depending on your situation. The first is that some aspects of the budget are used as benchmarks for state aid and benefits. One potential impact for foreigners in Spain is that because an income index used as a reference for allocating aid and benefits in Spain (known as IPREM) will not be increased as it usually would on an annual basis, state benefits will also not increase. The IPREM currently stands at €600 per month.

For example, currently in Spain the amount of unemployment benefit is 80 percent of the monthly IPREM (€480). By freezing the budget and therefore not updating the IPREM, the amount given out in state aid like unemployment benefit (known as el paro in Spanish) will, when considered against inflation, essentially be cut in real terms, something that will affect more than one million people in Spain.

By not updating IPREM, the government also pushes back an adjustment to personal income tax (IRPF) to prevent minimum wage earners from having to pay it.

As a result of the government’s decision to delay the budget, trade unions have criticised the move and called for the IPREM to be updated in line with the CPI.

Visa income requirements

Another way that the IPREM can impact foreigners is in terms of visas. Much like how the index is used as a reference for benefits, in Spain there are several visa options (namely the non-lucrative visa, the study visa, and the family unification visa) that require you to demonstrate economic solvency according to the IPREM measure.

READ ALSO: 

For example, when applying for a non-lucrative visa (NLV) you must demonstrate financial solvency of 400 percent of the IPREM. For most student visas in Spain, you must have 100 percent of the IPREM.

For some visas, to bring dependent family members with you to Spain you must have 75 percent of the IPREM for the first family member, and then 50 percent of the IPREM for every other dependent.

So put simply, the government’s decision to freeze its budget for 2024 means the IPREM will not be increased, which can in turn impact foreigners in Spain in two main ways: firstly, those on government benefits will likely see a real terms fall in the value of their aid versus inflation; and secondly, those living in Spain on certain types of visas will not see their income requirements increase annually, as they usually do.

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