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Residency in Spain for financially independent persons (FIP)

Residency in Spain for financially independent persons (FIP)

Legal basis for living in Europe and mobility within the Schengen area for the entire family

  • Cost: EUR 3,000
  • Processing time: from 4 months
  • Status for family members: residency for spouses and children
  • Validity period: 1 year with the right to extend for 2 years
  • Access to public healthcare and banking

Unlock your options — consult with an expert today

About the program

Non-Lucrative Visa — a Spanish residence status for financially independent individuals with a passive income starting from EUR 30,000 per year. The program is regulated by Royal Decree 1155/2024 and allows residence in Spain without the right to work. To apply, you must prove an income of 400% of the IPREM (EUR 2,400) for the main applicant, plus 100% (EUR 600) for each family member. Residents are entitled to visa-free travel within the Schengen area for up to 90 days in every six-month period and may include a spouse and minor children in the application. After five years of residence, permanent residency becomes available, and after another five years, Spanish citizenship can be obtained.

Advantages of residency in Spain

Visa-free travel to 45+ countries Enjoy the freedom to travel across most of Europe, including the Schengen and EU countries, as well as several destinations in North and South America, Africa, and the Caribbean.
0% tax on foreign income For the first 183 days each year, you may reside in Spain without becoming a tax resident. This allows you to optimize taxation on income from international assets.
Access to high-quality healthcare A Spanish residence permit grants access to one of the world’s best healthcare systems (ranked 9th globally). This includes both public and private medical institutions offering excellent standards of care.
No language exams required Neither Spanish language proficiency nor integration tests are needed to obtain or renew residency, making the process accessible even to applicants who do not speak Spanish.
Premium EU banking Spanish residency provides access to accounts in leading European banks, enabling convenient financial management and unrestricted international transactions.
Citizenship after 10 years After five years of residence, you may apply for permanent residency, and after ten years, for EU citizenship. This grants full rights of an EU citizen, including the freedom to live in any of the 27 member states.

The opportunities that come with Spanish residency

Work-free life in Europe

Legal residence for individuals with passive income and retirees. Enjoy Spain’s advanced infrastructure without employment requirements — an ideal option for those seeking a European lifestyle without ties to an employer.

Top-tier healthcare and education

Access to Europe’s leading private clinics offering exceptional medical care. Children of residents are eligible to attend Spain’s prestigious schools and universities. Comprehensive health insurance covers a wide range of medical needs.

Freedom to travel throughout Europe

Enjoy unrestricted travel throughout the Schengen Area and the European Union. Spain serves as a convenient base for exploring Europe, and your residence status remains valid even during extended stays abroad.

Get your residence permit guide

Get your residence permit guide

  • Step-by-step process for applicants
  • Detailed requirements and costs
  • Ready-to-use strategy for obtaining a residence permit
  • Updated 2025 program
Get the guide

Who is eligible for Non-Lucrative Visa in Spain

  • Financially independent persons (FIP)
  • Families with children
  • Global investors
  • Affluent retirees
Financially independent persons (FIP)

Financially independent persons (FIP)

Rentiers with a monthly income starting from EUR 2,400 can enjoy a comfortable life in Spain without the need to work. Dividends, rental income, or investment returns are ideal sources for obtaining a residence permit.

Families with children

Families with children

Spain offers a safe environment and access to high-quality European education. Residence permits can be issued to all family members under a single application.
Global investors

Global investors

Owning companies and receiving dividends without tax residency makes Spain an attractive jurisdiction. Managing assets from within the EU becomes convenient and transparent.

Affluent retirees

Affluent retirees

With its mild climate and 300 days of sunshine a year, Spain is a perfect destination for an active and healthy lifestyle. The sea air and warm winters contribute to longevity and overall well-being.

Spanish residence permit for the financially independent with Mirsatori full legal support

Spanish residence permit for the financially independent with Mirsatori full legal support

  • Minimum eligibility requirements
  • Option to renew residence remotely
  • Right to permanent residence in Spain for the whole family
  • Visa-free travel across the Schengen area

Unlock your options — consult with an expert today

Requirements for applicants

Main applicant

  • No criminal record in the past 5 years
  • Income starting from EUR 2,400 per month
  • Commitment not to work in Spain
  • Owned or rented accommodation

Spouse

  • Legally married to the main applicant
  • Apostilled marriage certificate

Children

  • Up to 18 years old
  • Financially dependent on the main applicant

Step-by-step plan for obtaining residency

Step-by-step plan for obtaining residency

Expert assessment

1 day

Mirsatori conducts a thorough analysis of your profile. Lawyers verify your eligibility for the residence permit program. A personalized strategy is developed within 24 hours, tailored to your goals and circumstances, minimizing the risk of refusal and accelerating the application process.

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Consulate documents

3 weeks

A complete package of documents is prepared, including apostilles and translations into Spanish. Mirsatori specialists assist in selecting accommodation for rent or purchase according to your preferences. Support is also provided for opening an account with a reliable Spanish bank.

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Category D Visa

60 days

Applications are submitted at the Spanish consulate in your place of residence. Mirsatori professionals provide full support during the interview process. The Category D visa is issued for 90 days and represents a crucial step toward obtaining residency status.

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TIE resident card

30 days

Upon arrival in Spain, biometric data is collected at the local police station. The TIE resident card is issued for one year with the option to renew. This card confirms your legal status in the country. Specialists assist throughout the process to ensure a smooth and trouble-free experience.

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Comparative analysis of Spanish residency and other programs

Category
Spain Spain
France France
Greece Greece
Portugal Portugal
Number of visa-free travel countries
45+
45+
45+
45+
Validity period
1 year
1 year
3 years
2 years
Processing time
from 4 months
from 1 month
from 3 months
from 6 months
Option to renew status remotely
no
yes
partially
no
Minimum monthly passive income
EUR 2,400
EUR 1,802
EUR 3,500
EUR 870
Family member status
yes
yes
yes
yes

Get a personalized strategy for obtaining Spanish residency

A Mirsatori specialist will create a personalized residency application plan for you, providing a detailed step-by-step analysis that considers your family composition, verified foreign income, and all related expenses.

Get your strategy
Investment plan

Your path to Spanish citizenship

Your path to Spanish citizenship

Residence permit

Mirsatori assists in obtaining a Non-Lucrative residence permit within 4 months. The status is granted for 1 year with the option to renew. This is the first step toward legal residence in Spain without the need for employment.

Permanent residency

After 5 years of residence, you may apply for permanent residency. Minimum income requirements are waived at this stage. Permanent residency also grants the right to work in Spain.

Citizenship

After 10 years of residence, you may apply for an EU passport. Passing a B1-level Spanish language exam is required. Citizenship provides full EU rights, including freedom of movement and employment across all 27 member states.

Premium concierge support in Spain

Upon obtaining a residence permit in Spain, you will receive personalized support from Mirsatori and access to premium services for a smooth adaptation in one of Europe’s most desirable countries:

  • Individual assistance with opening accounts in Spanish and European banks, as well as leading fintech platforms.
  • Consultations on personal finance management, investments, and maintaining non-resident tax status.
  • Support in renting or purchasing exclusive properties along the coast or in major cities.
  • Legal assistance in obtaining a Spanish and European driver’s license.
  • Organization of admissions for children into private schools and international educational institutions in Spain.

Alternative residency pathways for the FIP

Country Cost Processing time Benefits
France France
Cost EUR 4,900
Processing time from 1 month
Benefits
  • Fast-track application process
  • No language requirement
  • Pathway to permanent residency
Learn more
Greece Greece
Cost from EUR 6,000
Processing time from 3 months
Benefits
  • 3-year renewable residence permit
  • Residency for family members
  • Access to banking services and real estate
Learn more
Portugal Portugal
Cost from EUR 6,500
Processing time from 6 months
Benefits
  • Ability to work or run a business
  • Visa-free travel across the European Union
  • Pathway to citizenship after 10 years
Learn more
See all programs

FAQ

What is the minimum income for a Spanish residence permit?

The minimum income is EUR 2,400 per month for the main applicant, based on 400% of the IPREM. An additional EUR 600 per month is required for a spouse and for each child. Suitable income sources include dividends, rental income, or foreign pensions, and all funds must be documented.

Can you work with a residence permit for financially independent individuals?

With a Non-Lucrative Residence Permit, any employment or business activity in Spain is strictly prohibited. Violating this rule may result in the revocation of your residency status. After one year of residence, you may apply to change your status to a work visa if needed, subject to additional requirements and documentation.

How long must you stay in Spain?

To maintain your residence permit, you must reside in Spain for at least 183 days per year. Absences of more than 6 consecutive months are not allowed, as this may lead to loss of status. Compliance is monitored through passport stamps and other migration records. Violations may complicate future permit renewals.

When can you obtain Spanish citizenship?

Spanish citizenship is available after 10 years of legal residence. You must pass a B1-level Spanish language exam and a test on Spain’s Constitution and culture. Renunciation of your previous passport is required, except for citizens of certain countries. Citizenship grants full EU rights.

How to include your family in a residence permit application?

To include family members, you must demonstrate an additional income of EUR 600 per month per family member. Apostilled documents proving marriage and birth are required to confirm relationships. You must also provide health insurance for all family members and evidence of suitable housing.

Get expert guidance on your case
Schedule a meeting with our specialists, in-office or online, and receive a tailored case analysis, a clear cost estimate, and the best solution to achieve your goals.

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