Learn how to get a non-lucrative visa in Spain with under €30,000. 2025 guide to requirements, documents, and legal steps to apply successfully.

Can I live in Spain without working?

This is one of the most common questions asked by individuals who want to move to Spain for personal, family, or lifestyle reasons. The non-lucrative residence permit is a legal and flexible option for non-EU citizens who wish to reside in Spain without engaging in any professional or economic activity.

At Visal Immigration Lawyers, a law firm specialized in immigration and foreign affairs in Spain, we have assisted hundreds of clients in obtaining this type of visa. In this guide, updated to April 2025, we explain in detail what financial requirements, documents, and procedures are necessary to apply for the non-lucrative visa, how much money you need, and what to expect during the process.

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What is the non-lucrative residence permit?

The non-lucrative residence permit (NLR) is a type of temporary residence authorization that allows non-EU citizens to live in Spain for an initial period of one year, renewable for two-year periods, as long as they do not work in the country. This visa is particularly suitable for:

• Retirees

• High-net-worth individuals

• Investors

• Remote workers employed by foreign companies

• People taking a sabbatical year

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How much money do I need in 2025 to qualify?

One of the main requirements for the non-lucrative visa is to prove sufficient financial means to support yourself (and your family, if applicable) without working in Spain. This amount is calculated based on the IPREM (Public Indicator of Multiple Effects Income).

???? In 2025, the monthly IPREM is set at €600. Therefore, the required 400% of the annual IPREM for the main applicant is €28,800 per year.

If you are applying with family members, you must add 100% of the IPREM (€7,200) per year for each additional family member.

These are minimum thresholds, and presenting higher amounts can increase your chances of approval.

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How can I prove my financial means?

To satisfy the economic requirement, you may submit:

• Bank statements from the past 6 to 12 months

• Certificates of investment portfolios or savings

• Proof of rental income or property ownership

• Pension certificates

• Income from dividends or other passive sources

All documents must be translated into Spanish by a sworn translator and, if issued outside the EU, apostilled or legalized for use in Spain. The funds must be immediately available and under the applicant’s name. Promises of future income or third-party support are not accepted.

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Where and how do I apply for the visa?

The application must be submitted from your country of origin or legal residence, never from Spain as a tourist. The process is handled through the Spanish Consulate or Embassy and can take 1 to 3 months.

Once granted, you must enter Spain within the period stated in the visa, and within 30 days of arrival, you must apply for your Foreigner Identity Card (TIE).

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Can I work with a non-lucrative visa in Spain?

No. This residence permit does not allow you to work in Spain, either as an employee or a self-employed professional. You may, however, work remotely for foreign companies, provided that you do not generate income from Spanish territory.

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Can I bring my family with me?

Yes. You may include your spouse and dependent children in your application, as long as you demonstrate additional financial means for each family member. You will also need to submit marriage and birth certificates, duly translated and legalized.

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What are the benefits of the non-lucrative residence?

• Legal residence in Spain without employment

• Access to private healthcare, education, and other services

• A clear path to long-term residency after 5 years

• Option to later modify the permit to allow employment or self-employment

• Ideal for retirees, digital nomads (with foreign clients), and families seeking quality of life

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Frequently Asked Questions from Future Residents

1. How much money do I need per month to live comfortably in Spain?
   Around €2,500 to €3,000 per person, depending on lifestyle and location.

2. Can I open a bank account in Spain before having my visa approved?
   Some banks allow it, but you should consult a lawyer or financial advisor to simplify the process.

3. Does buying a house in Spain qualify me for residency?
   Owning property can support your case but does not replace the economic requirement. For that, the Golden Visa may be a better option.

4. What happens if my visa is denied?
   You can file an appeal or reapply. Working with an experienced immigration lawyer is crucial to avoid mistakes.

5. Should I apply for the digital nomad visa instead?
   It depends. If you work remotely and need to invoice clients, the digital nomad visa may suit you better. But the non-lucrative visa is simpler if your income is passive or you’re not working at all.

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How to Increase Your Chances of Approval

✅ Provide clear, well-organized, and complete documentation
✅ Prove full ownership and accessibility of your funds
✅ Avoid vague or incomplete financial records
✅ Hire an experienced immigration law firm
✅ Be realistic and transparent with your application

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The economic impact of the non-lucrative visa

Non-lucrative residents contribute significantly to Spain’s economy. They invest in real estate, send their children to international schools, hire local services, and use private healthcare, all without putting pressure on the job market. However, long delays and administrative inefficiencies can undermine this potential.

We advocate for more digital procedures, additional staff in immigration offices, and streamlined protocols to make Spain a more attractive destination for financially solvent foreign residents.

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Ready to apply for your Spanish non-lucrative visa?

At Visal Immigration Lawyers, we offer complete legal assistance for your residence permit process. We take care of every step: from checking your eligibility to submitting your application and even filing appeals if needed.

Contact us at +34 618 702 253
Visit www.visalimmigration.com
Offices in Barcelona and Madrid, with online consultations worldwide

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Your new life in Spain is just one decision away. Let us guide you there.