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📅 Last updated: 15 September 2026
Three routes, one table, every figure sourced
Digital Nomad, Non-Lucrative or cuenta propia: which Spanish residency permit fits
The three residency permits differ on nine things that matter, starting with whether you are allowed to work at all. Here they are in one table, with the BOE text behind every number.
Read the work row first. It settles more cases than the income row does, and it is the row most comparisons get wrong.
Key facts about the residence permit
Processing time
Up to 20 working days (≈ 4 weeks)
Minimum income
€2,849/month (2026, BOE 126/2026)
Document preparation costs
from €50 to €300-500
Work experience
3 months in the current position
Degree (or at least 3 years' work experience)
Calculate your 2026 Digital Nomad income threshold
Use the SMI-based calculator before collecting bank statements, salary letters, and family documents.
Three residency permits side by side, with the source for every cell
One column per residency permit, one row per variable that actually decides between them. Where a cell states a number or a legal consequence, it links to the text it comes from.
What decides it
Digital Nomad residency permitResidence authorisation for international telework, decided by the UGE. Ley 14/2013, arts. 74 bis–74 quinquies.
Non-Lucrative residency permitResidencia temporal no lucrativa: living in Spain on your own means, without working. Reglamento, arts. 61–64.
Self-employed residency permit (cuenta propia)Residencia y trabajo por cuenta propia: self-employed activity inside the Spanish market. Reglamento, arts. 83–87.
Can you work, and for whom
Yes. On an employment relationship you may work only for companies based outside Spain. On a professional (self-employed) relationship you may also invoice a company located in Spain, capped at 20% of your total professional activity.Source: Ley 14/2013, art. 74 bis.1
No. The status is defined as residing in Spain without carrying out employment or professional activity. The text draws no exception for remote work paid from abroad.Source: Reglamento, art. 61.1
Yes, Spanish clients included. The initial permit is confined to one autonomous community and one sector of activity; the renewal removes both limits and adds employed work.Source: Reglamento, arts. 83 and 87.1
Income or means floor
200% of SMI. SMI 2026 is €1,221 a month over 14 payments, so €1,221 × 14 ÷ 12 × 2 = €2,849 a month, read gross. The BOE sets the €1,221; the 200% multiplier and the reprorating across 12 months are how UGE files are prepared. A shortfall on the monthly figure is not the end of it: the UGE document checklist accepts bank-certified savings or other liquid income to cover the gap for the whole period of the authorisation.Source: Real Decreto 126/2026 (SMI 2026)UGE document checklist
400% of monthly IPREM = €2,400 a month, €28,800 a year. Article 62 accepts either sufficient means for the period applied for or a periodic source of income, so savings can carry the test on their own. IPREM stands at €600 a month, prorrogado since 2023: no 2026 budget has been approved, so the figure could move mid-year.Source: Reglamento, art. 62.1Ley 31/2022, disposición adicional nonagésima (IPREM €600)
No universal monthly euro threshold. Article 84 lists requirements together — the licences the activity needs, the professional qualifications it requires, and proof that the planned investment is sufficient for the project and its effect on job creation, self-employment included — so investment alone is not the test. A monthly figure quoted to you for cuenta propia comes from practice, not from the article.Source: Reglamento, art. 84
Family, and what each one adds
Spouse or partner in an analogous relationship, minor children, adult children who depend on you and have not formed their own family unit, and dependent ascendants apply with you — jointly and simultaneously, or later. The additions come from the UGE published FAQ: 75% of SMI (+€1,068.38 a month, so €3,917.38 for you plus one) for the first family member and 25% (+€356.13) for each further one.Source: Ley 14/2013, art. 62.4UGE published FAQ
Family accompany you, but the list is shorter than on the Digital Nomad route: spouse, registered or proven stable partner, unmarried minor children, and adult children with a disability or unable to provide for themselves for health reasons — dependent parents are not on it. Each dependant adds a flat 100% of monthly IPREM — €600 a month on top of your own €2,400, so €3,000 for you plus one. It is flat: the second and third dependants cost exactly what the first one costs.Source: Reglamento, arts. 61.3 and 62.1.b)
Not at the start. Family reunification can only be exercised once you have obtained the renewal of your initial authorisation, which on a one-year initial permit means after the first year. When it opens, the test is 150% of IPREM (€900 a month) for a unit of you plus one reunited family member, and 50% of IPREM (€300) for each additional member.Source: LO 4/2000, art. 18.1Reglamento, art. 67.1
Where you apply from
From inside Spain, to the UGE, if you are already here legally. If you are still abroad you can start on the international-telework visa, valid up to one year, and then apply for the residence authorisation.Source: Ley 14/2013, arts. 74 quater and 74 quinquies
From outside Spain. The residence visa is requested before you travel and the authorisation is decided on that file, so this is not a route you can start while sitting in Spain on a tourist stay.Source: Reglamento, art. 63.1
From outside Spain as a non-resident, through a residence visa application. Someone already legally resident in Spain can instead ask to change their situation after a year here.Source: Reglamento, arts. 85.1 and 191.4
Decision deadline, and what silence means
20 days from electronic filing, and silence is positive: the authorisation is deemed granted. Days are working days under the general rule in Ley 39/2015 art. 30.2.Source: Ley 14/2013, art. 76.1
One month from the file reaching the competent body — and silence means refusal, not approval.Source: Reglamento, art. 63.4
An employee can stay covered abroad where an EU coordination rule or a bilateral agreement applies, evidenced by an A1 or a certificate of coverage; otherwise the foreign employer registers with Spanish Social Security. A self-employed holder registers under RETA by default: the UGE FAQ rules out importing cover under a bilateral agreement for them, and while EU coordination rules can cover qualifying self-employed people, an A1 is case-specific and has to be accepted for the activity — not something to count on in advance.Source: UGE published FAQYour Europe: social security when working abroad
None. There is no permitted activity, so there is no contribution route. You must instead hold health insurance, and keep it for the whole of the stay.Source: Reglamento, art. 61.2.b)
RETA, from the start of the activity. At renewal the tax and Social Security record behind that activity is checked directly by the administration.Source: Reglamento, art. 86.2.a)
Beckham regime (art. 93 LIRPF)
Employees: potentially, subject to all article 93 conditions and a timely election — a separate assessment, not something the permit carries. Article 93.1.b).1º names the Ley 14/2013 international-telework route in the statute itself. Self-employed holders of the same permit: not automatically — ordinary self-employment is excluded, and a separate qualifying basis under 93.1.b).3º or 4º would be needed.Source: Ley 35/2006 (LIRPF), art. 93
Not by itself. The four routes into art. 93.1.b) are an employment relationship, a company directorship, an economic activity classified as entrepreneurial under the art. 70 Ley 14/2013 procedure, and qualifying highly-qualified professional activity — a Non-Lucrative permit authorises none of them. That is a statement about the activity, not a bar on the household: a family member of someone who moves on a qualifying route can come in under art. 93.3, on that article's own conditions.Source: Ley 35/2006 (LIRPF), art. 93.1.b) and 93.3
Not by default. Ordinary self-employed activity sits outside the regime: the permitted activities are entrepreneurial activity and qualifying highly-qualified professional activity, a separate assessment with its own conditions.Source: RIRPF, art. 113.2
Renewal cadence
Up to three years on the first in-Spain authorisation, then renewals of two years for as long as the conditions that created the right still hold. The visa route from abroad runs one year first.Source: Ley 14/2013, art. 74 quinquies
Five years of continuous legal temporary residence, subject to the conditions the Reglamento sets. Three years plus one two-year renewal reaches that mark with a single renewal in between.Source: LO 4/2000, art. 32.2
Five years, on exactly the same clock and the same conditions — Non-Lucrative years count. The cadence is 1 + 2 + 2, so two renewals.Source: LO 4/2000, art. 32.2
Figures in force on 15 September 2026. SMI is set by Real Decreto 126/2026; IPREM is carried over from 2023 because no 2026 budget has been approved, so it may move mid-year. This page describes what the published texts say and links to them. It is general information about the procedure, not advice on an individual application — we are a relocation consultancy, not a law firm. Whether a route fits is a suggestion to check against your documents, never a decision on your file.
Reading the table: which row settles it for you
Work through these in order. The first one that matches usually points at a route — and two of the five describe a requirement you would not meet rather than a choice.
1
You need to earn money inside Spain — Spanish clients, or a Spanish employer.
The Non-Lucrative permit does not fit: it allows no work at all. The Digital Nomad route does not reach the Spanish market either, beyond the 20% of professional activity allowed to self-employed holders. That leaves the self-employed residency permit (cuenta propia) or an employed-work permit, and the initial cuenta propia permit is confined to one region and one sector until its first renewal.
2
All of your income comes from outside Spain, and the work is remote.
This is what the Digital Nomad residency permit was written for, and it is the only one of the three with a 20-day deadline and positive silence. If you are employed by a company abroad, it is also the only one named in the Beckham article — which remains a separate assessment with its own conditions.
3
You do not work at all — savings, a pension, or rental income.
The Non-Lucrative residency permit is the honest answer. We do not handle applications for this permit. Plan around €2,400 a month plus a flat €600 per dependant — savings or periodic income, either counts — one year to start, then two-year renewals. Those years still count toward long-term residence.
4
You are self-employed with clients both in Spain and abroad.
Count the split before you choose. If Spanish-based clients are 20% or less of your professional activity, the Digital Nomad route stays open. Above that line it is the cuenta propia permit: one year, one region, one sector, then a four-year renewal that lifts both limits.
5
You are choosing mainly on the tax rate.
Then start with the tax article, not the permit. The Beckham regime is a separate application with its own conditions: access follows how you work rather than which card you hold — employment through the telework route is named in the statute, and ordinary self-employment is excluded whichever permit you are on. Settle that question before you pick a route, because the permit will not fix it afterwards.
Apply from inside Spain and you get a Spanish residence permit — often for your family too (spouse or partner, children, and dependent parents). Apply at the Spanish consulate where you live and you get a national D visa instead
One table covering all three residency permits, instead of three pages covering two
Every number linked to the BOE article that sets it
The Beckham answer stated per route, including the routes where it does not follow by itself
A Non-Lucrative column written so you can see plainly whether it fits your plans
The arithmetic behind the €2,849 threshold shown, not just the result
A legal right to live in Spain (residence permit; up to 3 years when applying from Spain)
Schengen travel for short trips without applying for a visa each time
Family members can often be included (with a higher income threshold per person)
A clear, SMI-based income requirement (easy to calculate for your family size)
A law-based decision deadline for UGE applications (20 working days)
What do you need to apply?
Three quick questions
Have you been employed by, or provided services to, a company for more than 3 months?
Is your income above €2,849/month (2026)?
Can you travel to Spain on a tourist visa to submit your documents?
If you answered yes to all three, the Digital Nomad residency permit may suit your situation.
Book a free call and we'll confirm from your documents — and tell you exactly what to fix if something is missing.
How we help
You can do this yourself. Or we can do it.
Everything you need is on this page — the requirements, the timeline, the full document checklist. Plenty of people file on their own and get approved. Here is what the work actually takes, and what we do if you would rather not do it.
Eligibility check
Your document list
Forms and filing
Until the resolution
What it costs
Choose how much help you want. Every package includes a free consultation and chat support.
BASIC
Self-Service
€700
Document check-up and filing. Almost DIY format.
Eligibility check
Document check-up
Filing with UGE (Spanish immigration)
Chat support
Most popular
POPULAR
Guided service
€1,000
Deep check-up and help during business hours.
Everything in "Self-Service"
Document recommendations
Chat support (11:00–19:00 CET)
Basic document translation
PREMIUM
Premium service
€2,100
We handle everything. Full concierge service.
Everything in "Guided service"
Full package preparation: originals only
24/7 priority
Minimal time from you
Appointment for TIE (residence card) fingerprints
Bringing family: Spouse, or a dependent child aged 18 or over — from €500. Child under 18 — from €400.
Not included, because they are not ours to charge: the €73.26 state fee per person, and sworn translation, which is priced by the number of documents.
What is the Digital Nomad residency permit in Spain?
In December 2022 the Spanish parliament approved a residence law for remote workers. You can apply either from Spain or at the Spanish consulate in your country of citizenship or residence
Online application from Spain
Apply while you are legally in Spain. The initial permit lasts up to 3 years (or the length of your employment contract if shorter) and can be renewed. Later you may qualify for long-term residence if you meet the requirements.
Application via the consulate
Apply through the Spanish consulate in your current country of residence. The visa lasts 1 year; when it expires you need to apply for the residence permit in Spain.
Legal Framework & Official Sources
Digital Nomad visas are regulated by Spanish law. Here are the official legal sources that govern this residence permit.
Law 14/2013 (Entrepreneur Support)
The main Spanish law supporting entrepreneurs and internationalisation. It sets the legal framework for special residence permits.
“The spouse or person with an analogous affective relationship, minor children or adults who, depending economically on the holder, have not constituted a family unit by themselves, and dependent ascendants who join or accompany the foreigners may request, jointly and simultaneously or successively, the authorization and, where appropriate, the visa.”
“The validity of this authorization shall have a maximum validity of three years unless requested for a shorter work period.”
Main requirements
Not be an EU citizen
Work as an employee, self-employed person or freelancer for a legal entity registered outside Spain
Be able to work remotely from Spain
Income of at least €2,849/month (2026) for the main applicant
Have worked for your current company for at least 3 months before applying
The company has existed for more than 1 year
No criminal record in the last 5 years
If applying from Spain: be legally in Spain at the time of submission
Timeline — applying from Spain
3-14 days
Collect documents
Arrive in Spain and submit documents online
Each applicant (including spouse, children, and infants) must be in Spain legally at the time of submission and prove it with documents
maximum 20 working days
Waiting for the decision
UGE has 20 working days to decide — about four weeks. Your legal stay is extended while the file is pending, and if the deadline passes with no answer, silence counts in your favour (silencio positivo).
from 30 days
Receiving the resident card
Book an appointment (cita) with the police and give fingerprints. Everyone attends — spouse, children, infants — each with their own cita. Collect your resident cards 3-5 weeks later (maximum 30-35 days)
Document checklist
The documents the main applicant and each family member need
Documents for the main applicant (titular)
Employment path:
Scan of all passport pages
Entry stamp without an exit stamp — proves you are in Spain legally at the time of application
Fee payment
Modelo 790 038, €73.26
MI-T form
Completed and signed form
Employment contract
Signed with your employer more than 3 months ago — open-ended preferred — plus a sworn (jurado) translation
Bank statement
For the last 3 months confirming payments under the contract (needs an electronic signature or original stamp and signature of the bank)
Last 3 monthly payslips from your employer, matching the deposits on the bank statement
Company registration certificate
Certificate of Good Standing (USA/UK) or an equivalent registration document from your jurisdiction, showing the company was incorporated more than 1 year ago, plus apostille and sworn translation
Letter from the company
Confirming remote work, including company name, position, contract date, salary in GBP/USD and euros, contract term and explicit permission to work remotely from Spain
Degree with apostille
A degree with apostille and sworn translation if you have one; otherwise proof of more than 3 years' work experience
CV / résumé
Required
A1 certificate (social security)
A1 certificate confirming UK/EU social-security coverage (not issued for employment in the USA) + sworn translation
Private health insurance
Required: a private policy with no co-payment (sin copago) and no waiting period (sin carencia), covering the full duration of stay
Police clearance certificate
From each country you lived in during the last 2 years, plus apostille and sworn translation
Declaration of no criminal record
Print and sign
Power of attorney
Optional, for a representative (if you are not using your own digital signature)
Proof of legal entry and stay
Declaración de Entrada — optional, but you need it if your passport has no Spain entry stamp
Documents for family members (spouse, child, parent)
MI-F form
Completed and signed form
Fee payment
Modelo 790 038, €73.26
Relationship documents
For spouse: marriage certificate + sworn translation (apostille requirements vary by country) + declaration confirming the marriage. For child: birth certificate + sworn translation
Passport
Scan of all pages
Finances
This is the main applicant's document: a salary letter confirming their income, or a bank balance statement. The statement needs an electronic signature or the bank's original stamp and signature. In a joint application each family member does not need their own copy — it is part of the main applicant's set.
Health insurance
Policy with no co-payment and no waiting period (sin copago, sin carencia) covering the entire stay.
Police clearance certificate
Only for adult family members (18+), such as a spouse: from each country of residence in the last 2 years, plus apostille and sworn translation. Children under 18 do not need one.
Declaration of no criminal record
Confirmation of no offences
Power of attorney
Optional, for a representative (if you are not using your own digital signature)
Proof of legal entry and stay
Declaración de Entrada — optional, but you need it if your passport has no Spain entry stamp
What needs an apostille?
• police clearance certificate
• degree
• company registration certificate
• marriage and birth certificates (check local rules)
For UK and USA documents: police clearance certificates and company documents usually require an apostille. Apostille rules for marriage/birth certificates vary by country — verify with your local authority.
What needs a sworn (jurado) translation?
• police clearance certificate (+ apostille)
• marriage/birth certificates of children
• contract
• company registration confirmation (Companies House certificate, Certificate of Good Standing, etc.)
• degree / other proof of experience (employment record)
• A1 form (if applicable)
Everything else can be translated yourself (non-sworn). Upload a single file with the translation first and the original afterwards.
Questions this comparison gets asked
Answers to the most common questions, based on official Spanish guidance
No. Reglamento art. 61.1 defines the status as residing in Spain without carrying out employment or professional activity, and it draws no exception for work paid from abroad. This is the most common misreading of the route, and it is why the Non-Lucrative column is on this page at all: if your money comes from working, the route is the Digital Nomad residency permit or the self-employed residency permit (cuenta propia), not this one.
By the published figure the order is: cuenta propia has no stated floor at all, the Non-Lucrative permit asks €2,400 a month, and the Digital Nomad permit asks €2,849 a month.
On its own that ranking misleads. The cuenta propia test is not a salary test — art. 84 lists licences, professional qualifications and proof that the planned investment is sufficient for the project, which is a business-plan judgement rather than a number you can hit with a payslip. And the Non-Lucrative figure is money you must have without working for it — savings or periodic income — which is a harder test than earning the larger number. The full arithmetic behind the Digital Nomad threshold, including family additions, is on the family income page, and the permit selector asks the four questions that separate the routes.
Not automatically. An employee working remotely for a foreign company may qualify under article 93.1.b).1º LIRPF, subject to the other conditions of article 93 and a timely election. The provision explicitly mentions the international-telework visa; holding a permit alone does not establish eligibility.
Ordinary self-employment does not qualify by itself. Separate qualifying entrepreneurial or professional activities are defined in art. 113.2 RIRPF. Non-Lucrative residence itself supplies no qualifying reason for the move under article 93.1.b), although a family member of someone who moves on a qualifying route can be covered by article 93.3. Once eligibility is established, the Beckham calculator compares the tax amounts.
The Digital Nomad route, and not by a small margin. Ley 14/2013 art. 76.1 sets 20 days from electronic filing and makes silence positive: no answer means granted. Days are working days under the general rule in Ley 39/2015 art. 30.2.
Non-Lucrative runs to one month and cuenta propia to three, and in both cases silence means the opposite — the application is deemed refused. What has to be in the file before that clock starts is set out on the requirements and checklist page.
Yes. LO 4/2000 art. 32.2 opens long-term residence after five years of continuous temporary residence, subject to the conditions the Reglamento sets, and it does not care which temporary permit produced them. Non-Lucrative gets there on a 1 + 2 + 2 cadence, cuenta propia on 1 + 4, and the Digital Nomad route on 3 + 2.
In one direction, yes, with conditions. Reglamento art. 191.4 lets someone who has spent at least a year in Spain on a permit that did not allow work move to a work authorisation without a new visa, meeting the requirements of art. 74 for employed work or art. 84 for self-employed work; the new authorisation runs one year and takes effect on registration with Social Security. Separately, art. 74 quinquies.1 of Ley 14/2013 opens the telework authorisation to anyone legally present in Spain. What you cannot do is treat a switch as automatic — each one is a fresh application against a fresh set of requirements.
A worker authorised to live in Spain while working remotely for companies based outside Spain. The work must be done entirely through computer, telematic and telecommunication systems.
An adult national of a country outside the EU. Citizens of the European Union, and people covered by EU law, cannot use this route.
Yes. You must prove the professional relationship with a commercial contract that has run for at least three months, and the foreign company must authorise you to work from Spain.
Yes. If you work from Spain, you must register with Spanish Social Security. There are two cases:
Employee: your company must register with Social Security and affiliate you in the General Regime.
Self-employed: you must register in the self-employed workers' regime (RETA).
Employees can instead keep their home country's coverage — but only if Spain has a social security agreement with that country, and its administration issues a coverage certificate for teleworkers under that agreement. Only some countries with agreements issue these certificates.
No. In that case you are not a teleworker but a worker transferred between companies (ICT, Intra Company Transfer). That is a separate permit with its own requirements.
You must be in Spain legally.
You must have no criminal record in Spain, or in any country you lived in during the 5 years before applying. Provide certificates from your countries of residence for the last 2 years, plus a sworn declaration covering the last 5.
You must have health cover: public (through Social Security registration) or an equivalent private policy from an insurer authorised to operate in Spain. Travel insurance does not count, nor do policies limited to reimbursement of medical expenses, or with waiting periods or co-payments.
You must have enough money for yourself and your family members during your period of residence in Spain.
Your work must always be done entirely through computer, telematic and telecommunication systems. Beyond that, two scenarios are possible:
Employee: you can work only for the company outside Spain that you telework for.
Freelancer (professional relationship): you can also work for companies in Spain, if you keep the professional relationship your authorisation is based on. The Spanish work must stay a professional relationship (never employment) and must not exceed 20% of your total professional activity.
Up to six months per calendar year. Stay within that limit and you keep meeting the requirements of the authorisation.
Yes. These family members can apply — together with you, or later:
your spouse or unmarried partner
your children — minors, or dependent adult children who have not formed their own family unit
your dependent parents
Yes. Under the fourth additional provision of Law 14/2013, their residence permits allow both living and working in Spain — employed or self-employed.
You must prove enough money for yourself and your family members:
Main applicant: 200% of the monthly minimum interprofessional wage (SMI)
First family member: add at least 75% of the SMI
Each further family member: add another 25% of the SMI
You can prove these amounts with contracts, payslips, company certificates and similar documents.
This is a normal part of the process: UGE issues a requerimiento (subsanación) when something is missing or needs clarifying. Under Ley 39/2015 (art. 68) you must respond within 10 working days of the notification date. On a justified request the deadline can be extended by up to 5 more days. If you do not respond in time, the application counts as withdrawn (desistido) and you have to file again. We handle the response end to end: we work out exactly what UGE is asking for and put together the correct documents on time.
Yes. You can appeal a refusal (resolución denegatoria) by filing a recurso, generally within 1 month of the notification date. In practice it is often more effective to fix the reason for the refusal and reapply. We review the wording of the refusal, assess your chances, and handle either the appeal or a fresh application.
There are two routes:
From Spain (through UGE): you enter Spain legally and apply online. The residence permit is granted for up to 3 years (or the length of your contract if shorter), with a legal decision deadline of 20 working days.
Through a consulate: you apply at the Spanish consulate in your place of residence, get a national D visa valid for 1 year, and then arrange your residence permit once you're in Spain.
For most people, the UGE route from Spain is faster and more convenient. We'll help you choose the route that fits your situation.
Once you're approved, complete these steps in Spain:
TIE (residence card): book a fingerprint appointment (huellas) at the police station — a separate appointment for each family member — then collect the plastic card 3–5 weeks later.
Padrón (empadronamiento): register your address at the local town hall (ayuntamiento). You need the padrón for the TIE, healthcare, schools, and opening a bank account.
Certificado digital / Cl@ve: a digital signature for handling things online — taxes, RETA, appointments with government offices. This is especially important if you're registering as autónomo.
We'll walk you through the right order and recommend trusted providers, so you get through each step without mistakes.
Yes, if you're an employee (not self-employed). UGE needs proof that your home country's social security still covers you while you work remotely from Spain — an ordinary private insurance policy does not replace it. The document depends on where your employer is based:
A1 certificate — EU, EEA, Switzerland or the UK
Certificate of Coverage — USA, under the US–Spain Totalization Agreement
Your home country's social security certificate — countries with a bilateral agreement with Spain
In every case the wording must state that you work remotely from Spain. We help you get the right certificate with the correct wording.
As soon as possible — and no later than 45–60 days after your residence permit is approved. This matters: if you're on the self-employment (autónomo) track and do not register with RETA in time, UGE may raise questions at renewal. Register right after approval. If there have been delays, get in touch with us before filing your renewal.
A renewal is granted for two more years. UGE asks for five documents — the deciding one is your last two Spanish tax returns, each at or above that year's income threshold. You can file from 60 days before your card expires.