Spain’s non-lucrative visa (NLV) lets non-EU citizens live in Spain, including the Canary Islands, if they have enough passive income and do not work. For 2026, a single applicant needs to prove about €2,400 a month (€28,800 a year), plus about €600 a month for each dependant, along with private health insurance.
Key requirements
- Passive income or savings of at least 400% of the IPREM index (€28,800 a year for one person in 2026).
- An extra 100% of IPREM (€7,200 a year) for each family member.
- Comprehensive private health insurance from an insurer authorised in Spain, with no co-payments.
- A clean criminal record certificate.
- A medical certificate.
- No work in Spain or abroad, including remote work.
Is it right for a winter?
The NLV is a residence visa, designed for people moving to Spain. To renew it you generally need to have lived in Spain for more than six months of the year, and living in Spain more than 183 days a year usually makes you tax resident, taxed on your worldwide income. If you only want an extra month or two each winter, the NLV is probably not the right tool.
Who it suits
- Retirees ready to make the Canaries their main home.
- People with pensions, rental income or investments.
How to apply
- Apply at the Spanish consulate for your place of residence.
- Submit the forms, proof of funds, insurance and certificates (official translations may be needed).
- Once approved, enter Spain and apply for your residence card (TIE) within the deadline.
Disclaimer
Figures are based on the 2026 IPREM. Requirements are checked by each consulate and can change. This is general information, not legal or tax advice.
Official sources
Rules change. Before you book or apply, check the current position with the official source: