LET US GUIDE YOU STEP-BY-STEP through your relocation

The Spanish Retirement Guide for non-EU Citizens

There’s a lot to consider when planning your retirement in Spain. Below we break the process into easy steps.

Your dream of retiring in Spain may be closer than you think.

Step 1

Your Visa

The best option for a non EU retiree moving to Spain is the Non-Lucrative Visa, often called the Retirement Visa.

The Non-Lucrative Visa

Key Requirements:

Proof of Financial Means:
Primary Applicant > €28,800 annual income
Each Dependent > €7,200 annual income

Private Health Insurance:
From a Spanish provider or with coverage in Spain with no co-payments and covering pre-existing conditions.

You cannot work on this visa

You cannot apply in Spain. You must submit your application to the nearest Spanish consulate in your country of origin.

read the full guide

Assistance with your Visa

The team at BeGlobal Immigration attorneys

Our immigration partners offer a 30-minute consultation to:

Confirm that you are eligible for the visa.

Explain the documentation and application requirements.

Confirm which consulate you need to apply to and waiting times as they are all different.

Provide a quote to help you with the whole process should you require that, including translations.

book a consulation

Step 2

Health Insurance Requirements and Options

All non EU citizens retiring in Spain need private health insurance. The good news is that cover costs a fraction of what it does in other countries, with an exceptional quality of medical care, The bad news is that only some policies qualify for immigration and visa applications,

Use our easy health insurance quote tool to receive and compare up to three personalized quotes that you can use for your visa. Or explore our articles to learn more about health insurance in Spain.

HEALTHCARE QUOTES TO COMPARE

A man and his young son at the doctors surgery.

Spanish Health Insurance for Residency & Visas >> Complete 2024 Guide

Spanish immigration laws require you to have healthcare for most long-term visas and residency permits. We’ll look at who can use public healthcare and who will need private health insurance in Spain. We’ll explore the specific requirements for Spanish Health Insurance for Residency & Visas in 2024. Who Needs Spanish Health Insurance for Residency &…

A lady over the age of 75 getting her eyes tested with a doctor

Health Insurance in Spain for Over 75s >> Quality Cover, Easy Quotes

Qualifying health insurance in Spain for people over 75 can be problematic, especially when applying for a visa. And if you’re looking to retire in Spain, the two most popular immigration options require qualifying health insurance. We’ve solved this problem for hundreds of clients with policies up to a commencement age of 80. Read on…

A patient talking to a doctor about her medical condition.

Health Insurance In Spain With Pre-Existing Conditions >> Full 2024 Guide

Many people planning a move to Spain have pre-existing conditions but still need private healthcare insurance. Unfortunately, few private healthcare insurers will issue coverage that meets immigration requirements for Expats with pre-existing conditions. But don’t despair—we have you covered with solutions for health insurance in Spain for expats with pre-existing conditions. For more general information,…

A lady talking to a doctor using her private health insurance

Private Health Insurance Spain >> How To Pick Perfect Cover

Most Expats (and 25% of all Spanish people) have private health insurance in Spain. Although we qualify for the public health system in Spain, we still pay and use our private insurance provider for most of our healthcare needs. Given that Spain has free public healthcare, why do so many people like us opt for Spanish…

Step 3

Tax Planning

Non EU citizens moving to Spain need to understand taxes in Spain and your obligations in your home country. Don’t worry – double taxation agreements oftenmean you are not taxed twice, but getting the right advice means no expensive surprises in either country. Spain’s regions have very different tax rates – find out in a consultation with our expert tax advisor using the link below. You can also read our articles on taxes for retirees in Spain.

book a tax consultation

A couple doing their Spain taxes together

Spanish Tax System Guide – Expat Essentials 2024

Getting to grips with the Spanish tax system should be high on your priorities. Even if you don’t work in Spain, there are still Spain taxes that may impact you as an Expat living in Spain. We’ll look at income tax, social security, inheritance tax, VAT (or IVA), property taxes, and wealth tax in Spain….

Luxury boats in a harbour is an asset looked at for wealth tax in Spain

Wealth Tax in Spain – How much you’ll pay in 2024

All expats need to consider the wealth tax in Spain. The Spanish government uses your total global assets to calculate your Spanish tax liability, but the amount you pay varies by region. We’ll explore who is liable, how to calculate your net worth, and how much wealth tax you’ll pay in each region. And remember…

Step 4

Where should you live in Spain?

Whether you prefer vibrant cities or picturesque villages, coastal havens, or serene mountain hideaways, every region in Spain exudes its distinctive allure. Our comprehensive guides will assist you in selecting the perfect city or town to call your home in Spain.

Best Places to Retire in Spain Index 2024

Each year we compile a list of 40 towns and cities often discussed by expat retirees and analyze them based on 7 key factors: retiree and expat populations, rent prices, crime rates, wealth tax rates, healthcare interest, and average annual temperatures. In 2024, Almuñecar in Andalucia was ranked the best place to Retire in Spain.

read our index

The Most Popular Regions in Spain for Retirees

Step 5

What else is involved in a move to Spain?

Relocating to Spain has many moving parts, but we’ve got you covered. Our free library offers hundreds of in-depth guides on everything from pet relocation to banking and beyond. Our content team works tirelessly to keep these resources updated, ensuring our community has access to the most accurate and reliable information.

Explore our library of free guides

designed to eliminate hassle and stress

Planning Packages

If you want to save countless hours of research, our planning packages are designed to eliminate stress and hassle. You’ll receive personalized support from Alison and Alastair, along with one-on-one meetings with their carefully selected and pre-vetted experts. Plus, you’ll enjoy full access to their comprehensive planning tools, ensuring a smooth and efficient relocation process.

What is included?

A 30-minute consultation with a qualified Spanish Immigration lawyer over Zoom, Skype, or in person

A Tax Consultation on Spanish and International tax strategies

Your choice of Coaching and email support from Alison and Alastair on anything related to your move.

Healthcare Quotes

Cross Border Financial consultation

Foreign Exchange Consultation

Moving Company Quotes

Full access to our planning tools – checklist, budget planner and cost of living calculator

Explore package options