Non-Lucrative Visa with Expay
What is the Non-Lucrative Visa (NLV)?
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The Non-Lucrative Visa (NLV) is a Spanish long-stay visa for non-EU/EEA/Swiss citizens who want to live in Spain legally without working or carrying out business activity. No job offer or business setup is required.
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It is designed for people who can support themselves through sufficient independent income or savings — for example retirees, those with pensions, investment or rental income, or other passive means — and who want to make Spain their home.
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Why the NLV Might Be Right for You
• live in Spain long-term
• travel freely within the Schengen area while your visa is valid
• include your partner and dependent children
• renew your residency and work towards permanent residency over time
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What You Need to Qualify
Proof of financial means
You must demonstrate that you have sufficient funds to support yourself (and any dependents) without working in Spain. This is assessed against the Spanish IPREM indicator and is currently equivalent to approximately €28,800 per year for a single applicant, with additional amounts required for dependents.
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Health insurance
Private medical insurance that provides full coverage in Spain for the entire duration of your stay.
Criminal record certificate
Issued by the authorities in countries where you have lived during the past five years, correctly legalised and translated where required.
Medical certificate
Confirming you do not suffer from illnesses that pose a public health risk, issued within the required timeframe.
Valid passport
With sufficient remaining validity and blank pages for the visa.
Additional documentation — such as proof of residence within the consulate’s jurisdiction or family relationship certificates — can vary by country. This is why personalised checks are so important.
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How the Process Works
Initial review with Expay
We review your financial situation and personal circumstances to confirm whether the Non-Lucrative Visa is a realistic option for you.
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Document checklist
You receive a clear, consulate-specific checklist so you know exactly what is required.
Preparation and support
We help organise, review and prepare documents to ensure they meet consular standards.
Consular submission
You attend your appointment knowing your application has been properly prepared.
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After approval guidance
Support with entering Spain, obtaining your NIE and applying for your TIE (residence card).
Because requirements can vary slightly between consulates, each application is tailored so nothing is overlooked.
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Common Mistakes to Avoid
• relying on bank statements alone when additional income evidence is required
• incorrect or outdated translations and apostilles
• health insurance that does not meet the full visa requirements
Checking everything before you apply makes the process smoother and significantly reduces the risk of refusal.
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How Expay Helps
At Expay, we don’t just handle paperwork — we help you plan properly and honestly.
• we review your finances before you start
• we advise on Spanish tax compliance and residency implications
• we coordinate with independent financial advisors and insurance brokers where needed
• we prepare consulate-specific applications based on current requirements
You get clarity, not guesswork.
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Ready to Find Out More?
If you’re considering a move to Spain and want to understand whether the Non-Lucrative Visa is right for you, we offer clear, up-to-date advice based on your personal situation.
Get in touch for a relaxed, honest review of your options and next steps.