VizaleoSpain non-lucrative visa: how much money you need and what to write
Spain's non-lucrative residence visa for retirees and people living on savings: the 2026 funds requirement, insurance, and your cover letter.
Who it is for
People who want to live in Spain without working there: retirees, people with savings or passive income. You may not work for Spanish employers or clients on this visa.
How much money you need
The requirement is 400% of IPREM: currently about EUR 2,400 a month (EUR 28,800 a year) for the main applicant, plus about EUR 600 a month (EUR 7,200 a year) for each family member. Savings, pensions and investment income can count. Confirm the current figures with the consulate.
Other documents
- Private health insurance from an insurer authorised in Spain, with no co-payments
- Criminal record certificate
- Medical certificate
- Proof of accommodation in Spain, if you have it
What your cover letter should cover
Why you want to live in Spain, where, with whom, how you will support yourself without working, and your health insurance. Keep it factual and consistent with your bank statements.
Vizaleo is an independent service, not affiliated with any government or visa centre. Requirements change: always confirm on the official page.