Visas / Non-Lucrative Visa
Non-Lucrative Visa · for savings and passive income
Retire to Spain, or simply stop working there. We get the consulate paperwork right first time.
The Non-Lucrative Visa is for people with savings or passive income who won't work in Spain, not even remotely. You apply in person at the Spanish consulate where you live. We hand you a paginated, ready-to-present booklet so that appointment is the easy part.
Government and consular fees are not included in your service fee — those are paid directly by you to the relevant authority.
Who it's for
Is this your visa?
A good fit if
- You have savings or stable passive income
- You won't work in Spain, including remote work
- You're applying from your country of legal residence
Look elsewhere if
- You'll keep working remotely (Digital Nomad Visa)
- You have a Spanish job offer (Highly Skilled Worker)
Not sure? Your case manager confirms the route before you pay anything.
Everything in your fee
Most visa services stop at approval. We don't.
Stage 1
Before your appointment
- Eligibility check and a calculation of what you must prove
- Bank statements and investment summaries reviewed against the threshold
- A consulate-specific checklist for where you'll apply
- Sworn translations included, up to €80 per adult
Stage 2
Getting approved
- A paginated, ready-to-present booklet, digital and a physical copy shipped to you
- Help responding if the consulate asks for more
- Appeals included if you're refused unfairly
- A named case manager and your own dashboard, with an AI assistant
Stage 3 · After approval
Settling in
- TIE appointment, form and fee guidance
- Empadronamiento and bank account guidance
- Renewal window tracked from day one
Honest note: biometrics and TIE fingerprints are in person. We tell you exactly what to bring, so you only go once.
Main requirements
What you'll need to show, and when to look elsewhere.
Main requirements
- €28,800 a year (about €2,400 a month) in savings or passive income for the main applicant
- About €600 a month more (€7,200 a year) for each family member
- Funds readily accessible: savings, pensions, dividends, stocks, bonds or funds
- Private health insurance with full cover in Spain and no copays
- Applying at the Spanish consulate in your country of legal residence
Probably not for you if…
We'll say so before you pay.
- You plan to keep working, even remotely for foreign clients
- You're already in Spain on a tourist stay and hoping to apply there
- Your funds are tied up and can't be shown as accessible
- Your insurance has copays or waiting periods
Financial requirement
How much you'll need to show, for your household.
Our team reviews your bank statements and investment summaries in your dashboard before your appointment, formatted the way your consulate typically expects to see them.
Just me
€28,800 a year
- About €2,400 a month
Me + partner
€36,000 a year
- About €3,000 a month
Me + partner + 1 child
€43,200 a year
- About €3,600 a month
Me + partner + 2 children
€50,400 a year
- About €4,200 a month
The permit
What it gives you
- Valid for 1 year at first, then renewable for 2 years at a time
- You can study, but not work
- Your years count towards long-term residence (5 years) and citizenship
- Travel in the Schengen area for up to 90 days in any 180
- You apply at the Spanish consulate in your country of residence — not from inside Spain
Documents
What you'll usually need
- Passport (all pages) and the national visa form
- Bank statements and a bank letter with your balance
- Pension letter or proof of passive income
- Medical certificate
- Criminal record certificate, apostilled
- Private health insurance policy
- Proof of accommodation in Spain
- A signed commitment not to work
Your dashboard gives you your own checklist, with instructions for each document. Requirements can differ per consulate.
What the fee covers
In your €1,499, and not in it.
We'd rather you see the exclusions now than on an invoice later.
Included
- Official sworn translations, up to €80 per adult
- A dedicated case manager who knows your case
- Full document review and a checklist built for you
- Your complete application package (the booklet), ready for you to submit at the consulate, and follow-up
- Your own dashboard, with an AI assistant
- DHL document delivery where it applies
- Appeals at no extra cost: full support against unfounded refusals or administrative silence
- Eligibility check and financial calculation
- Consulate-specific file review
- Paginated ready-to-present booklet, shipped to your door
- Post-approval guidance: TIE, padrón, bank
Not included
- Consular fees, paid to the consulate
- Translations beyond €80 per adult
- Apostilles, background checks and medical certificate
- Health insurance
- TIE card fee (form 790-012), paid to the authorities
- Booking your government appointments: you book your own slot, and we tell you how
Government and consular fees are not included in your service fee — those are paid directly by you to the relevant authority.
Pay as things happen
The biggest part waits for your approval.
- 1
Start
You sign up
Case manager assigned, consulate checklist ready. First payment.
- 2
File built
Booklet prepared
Documents audited, translated and paginated. Second payment.
- 3
Appointment
You attend the consulate
In person, with your booklet. The consulate sets the timing. Nothing to pay.
- 4
Approved
Visa granted
You travel and start your TIE. Final payment.
- 5
Settled
TIE, padrón, bank
Guided by your case manager. Included.
How you pay
3 payments, tied to progress
- 1First paymentWhen you start€375
- 2Second paymentBefore your case is processed€705
- 3Final paymentOnce your visa is approved€419
Prices are per person: €1,499 per adult, €750 per child. You see your fee and every instalment before you pay anything.
Get startedThe honest version
What we can't promise, and what we do instead.
You can't work. At all.
That includes remote work for clients abroad. If you'll keep working, we'll steer you to the Digital Nomad Visa before you pay.
You'll go to the consulate yourself.
Your consulate appointment is in person. We make the booklet so clear it's the easy part.
We can't set the consulate's timing.
Some are quick, some aren't. We tell you what your consulate looks like right now.
Year one is only the start.
Renewal asks for double the funds and limits time abroad. We track your window from day one.
Questions
Non-Lucrative Visa questions
Something else? Ask us.
Can I work remotely on the Non-Lucrative Visa?
No. The visa prohibits any economic or professional activity, including remote work for foreign employers or clients. If you'll keep working, look at the Digital Nomad Visa.
How much do I need to show?
€28,800 a year (about €2,400 a month) for the main applicant, plus about €600 a month for each family member. Savings, pensions and investments all count if they're accessible.
Can I use an investment account?
Yes. Spanish consulates generally accept investment portfolios, stocks, bonds and funds as proof of means, as long as the money is readily accessible and meets the threshold. We review your summaries and help present them the way your consulate expects.
Can I apply from inside Spain?
No. The first application is made at the Spanish consulate in your country of legal residence, before you travel.
How long is it valid?
One year at first, then renewable for two years at a time. Your time in Spain counts toward long-term residence and citizenship.
When do I pay?
In three parts: the first when you sign up, the second before case processing, and the last only once your visa is approved. Each family member is billed separately.
Are there hidden costs?
No. Our fee is flat and includes sworn translations up to €80 per adult. Consular fees are paid directly to the consulate, and we list every other cost before you pay.
What if my visa is refused?
Appeals against unfounded refusals or administrative silence are included at no extra cost. The last payment is only due once your visa is approved.
Also consider
Find out what you need to show.
We calculate your exact financial requirement, and you see your fee before you pay anything.