Non-lucrative residence for retirees

⚠️ Attempting to work while holding a non-lucrative visa

Consecuencia: Serious infringement that may result in revocation of the permit and deportation

Solución: This visa does NOT permit any form of employment in Spain under any circumstances. If you wish to work, you will need a different visa type (employed, self-employed, or digital nomad).

⚠️ Failing to meet the 400% IPREM threshold or submitting savings only without recurring income

Consecuencia: Application refusal

Solución: You must demonstrate at least the equivalent of 400% of the monthly IPREM. Ideally, combine pension income with rental or investment income. If relying solely on savings, you must show the full annual equivalent amount in your bank account.

⚠️ Taking out insurance with co-payments, waiting periods, or insufficient coverage

Consecuencia: Automatic refusal

Solución: You need private health insurance from an insurer authorised in Spain, with no co-payments, no waiting periods, and a minimum coverage of €30,000. For retirees, insurers such as Sanitas, Adeslas, or Mapfre offer suitable products.

⚠️ Failing to declare a foreign pension in Spain after residing there for more than 183 days

Consecuencia: Tax authority penalty for undisclosed income

Solución: Review the double taxation treaty between Spain and your home country, and file your Spanish tax return declaring your foreign pension income.