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
Financial requirement (IPREM)
Spain assesses this using IPREM. The general rule is 400% of IPREM for the main applicant, plus 100% of IPREM for each dependent family member.
As a rough guide, many consulates express this as around €2,400 per month for the main applicant (based on current IPREM values).
Don’t worry if that part makes your head spin — we check your situation and tell you what you need to show, in a way the consulate will accep
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Health insurance
You’ll need private medical insurance with full cover in Spain for the visa stage.
Criminal record certificate
Adults need a criminal record certificate for countries lived in during the last 5 years, legalised and translated where required.
Medical certificate
A certificate of good health, 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.
​Because requirements can vary slightly between consulates, we keep your checklist consulate-specific so nothing gets missed.
What we do at Expay (and what it costs)
Our NLV package is €1050 per person.
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Included in the €1050 per person package
NLV support (start to appointment-ready)
• clear checklist and timeline (based on your household and where you’re applying)
• guidance on the IPREM side: what to show and how to present it
• document prep and a full review before you submit
• support through to consulate appointment readiness
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Adults:
ACRO police certificate
• ACRO application handled through us
• apostille included
• sworn translation included
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Medical certificate (certificate of good health)
• we provide the Certifcate
• apostille included
• sworn translation included
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Children:
Birth certificates (for child applicants)
• apostille included
• sworn translation included
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A quick note on police certificates
The package includes the UK ACRO for adults. If you’ve lived in other countries in the last 5 years and need additional police certificates, we’ll guide you on those and quote depending on what’s needed.
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Insurance help (so you don’t pick the wrong policy)
A lot of NLV problems come from insurance that doesn’t meet the exact requirements. If you want, I can connect you with Mike at Insure Expats to guide you on suitable policies.
You choose the policy, but you’ll have someone who understands what the visa needs.
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If you’re worried about taxes, pensions, or “what happens after we arrive”
You can talk to me about it. People often worry about Spanish tax residency, filing obligations, pensions, savings, and how to keep everything clean once they’re living here.
I’m happy to talk it through in plain English and point you in the right direction.
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Healthcare after arrival or can be used or the application, we can assist with this (S1 for pensioners)
If you’re receiving a qualifying pension and you’re entitled to an S1, I can help you register it.
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Optional financial planning support
If you’d like a separate financial review before you move (totally optional), I can introduce you to Remy for financial advice.
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How the process works
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initial review with Expay
We look at your situation and timing and confirm if the NLV is realistic. -
your checklist
You get a clear, consulate-specific checklist so you know exactly what’s required. -
prep + paperwork
We organise and prepare everything, including ACRO, medical certificate guidance, and children’s birth certificates where needed. -
final check
We review the pack so you go to your appointment properly prepared. -
after approval guidance
Support with entering Spain and the next steps (including TIE/residency card guidance).
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Common mistakes we help you avoid
• relying on the wrong type of financial evidence (or presenting it in a weak way)
• outdated / incorrect apostilles or translations
• health insurance that doesn’t meet the full visa requirements
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Ready to find out more?
If you’re thinking about moving to Spain and want a relaxed, honest review of your options, get in touch and tell us:
• how many applicants (adults/children)
• where you’ll apply from
• your target move month
• any worries (tax, pensions, insurance, timing) and lets see if we can help you with your move over, stress free.
​Please contact us.
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