All Your Moving to Spain Questions Answered! - Retiring, Digital Nomad Visa & More

COVID has significantly changed the way many people work.

Moving to Spain: Retirement, Remote Work and the Digital Nomad Visa

COVID has significantly changed the way many people work.

In recent years, Spain has seen an increasing number of foreign clients who continue working for companies in their home countries while living remotely in Spain with their families.

For many people, this has opened the door to a new lifestyle: living in Spain while maintaining employment or professional activity abroad.

Coming to Spain from the European Union

For EU citizens, moving to Spain is generally a straightforward process.

EU nationals have the right to live and work in Spain. In order to register as residents, they usually need to prove that they have:

private health insurance covering them in Spain, or public health cover from another EU country that can be transferred to Spain;
sufficient financial means to support themselves;
and either a rental contract or title deed proving that they have accommodation in Spain.

The application is usually made directly at the police station in Spain, and the residence certificate is normally issued quickly.

This right of residence also extends to spouses, even if the spouse is not an EU citizen.

Coming to Spain to Retire from Outside the EU

For non-EU citizens who wish to retire in Spain, the usual route is the non-lucrative visa.

This visa is designed for people who do not intend to work in Spain but have sufficient financial resources to live in the country.

Applicants generally need to provide:

private health insurance;
proof of sufficient funds;
a criminal record certificate;
and a medical certificate confirming that they do not suffer from any contagious illness that could pose a public health risk.

Unlike EU residence applications, the non-lucrative visa process normally starts at the Spanish consulate in the applicant’s home country.

If the applicant meets the requirements, obtaining a non-lucrative visa should generally be a manageable process.

Working Remotely from Spain

For EU citizens, working from Spain is simple because they do not need a visa to live or work in the country.

However, for non-EU citizens who want to work remotely from Spain for a foreign company, the digital nomad visa has become a very attractive option.

Spain introduced this visa to respond to the growing number of professionals who can work remotely and wish to live abroad without entering the local employment market.

The Digital Nomad Visa

The digital nomad visa is available to non-EU citizens who wish to live in Spain while working remotely for a foreign employer or clients located mainly outside Spain.

This visa is particularly useful for highly qualified professionals who can perform their work from Spain without being employed by a Spanish company.

To qualify, applicants generally need to show that:

they have worked for their foreign employer or client for at least three months;
the foreign company has been operating for more than one year;
the work can be performed remotely;
the employer authorises them to work from Spain;
and the applicant has the necessary qualifications or professional experience for the role.

The job must generally be considered highly qualified, which may be demonstrated through university qualifications or significant professional experience.

Family Members

One of the main advantages of the digital nomad visa is that it can also include family members.

This may include:

the applicant’s spouse;
minor children;
and adult children who remain financially dependent on the applicant.

This makes the visa particularly attractive for professionals who wish to relocate to Spain with their family while continuing to work for a foreign company.

Application Process and Duration

The digital nomad visa application can be started either at the Spanish consulate in the applicant’s home country or directly from Spain, provided the applicant is legally in Spain at the time.

For example, a person who is in Spain under the 90-day tourist allowance may apply from within Spain, as long as they remain legally in the country.

If the application is submitted from Spain, the residence authorisation may be granted for three years and can be renewed.

In practice, approval times can vary. Some applications may be approved within one month, while others may take up to three months.

Tax Advantages of the Digital Nomad Visa

The digital nomad visa may also provide access to a very favourable tax regime.

If the visa is approved, the applicant may be able to apply for the so-called Beckham tax regime.

Under this regime, although the individual lives in Spain, they may be taxed as a non-resident for certain tax purposes.

This can mean that employment income is taxed at a fixed rate of 24%, while certain foreign-source income, such as dividends, interest or capital gains, may not be taxed in Spain.

This makes the digital nomad visa particularly attractive for professionals with international income or investments outside Spain.

A Competitive and Attractive System

The digital nomad visa can create a beneficial situation for both Spain and foreign professionals.

Spain attracts highly qualified workers and new residents who contribute to the local economy, without necessarily competing for jobs in the Spanish labour market.

At the same time, professionals can enjoy living in Spain while continuing to work for foreign employers.

For many remote workers, this offers the possibility of combining international employment with Spain’s climate, lifestyle and quality of life.

Conclusion

Spain offers several options for foreigners who wish to relocate, retire or work remotely from the country.

EU citizens benefit from a simple residence process, while non-EU retirees may apply for a non-lucrative visa if they have sufficient financial means and health insurance.

For non-EU professionals who wish to work remotely, the digital nomad visa has become one of the most attractive routes.

Combined with the potential benefits of the Beckham tax regime, it offers an excellent opportunity for qualified professionals to live in Spain with their families while continuing to work for foreign companies.

Anyone considering a move to Spain should obtain specialised legal and tax advice in advance in order to choose the most suitable visa route, understand the tax implications and ensure full compliance with Spanish immigration and tax regulations.

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