📅 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.

Open income calculator

Estimate whether Beckham Law is worth it

Compare the 24% special regime with a rough regular IRPF estimate and see where the saving becomes material.

Open Beckham calculator

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 itDigital 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 whomYes. 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.1No. 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. 61.1Yes, 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 floor200% 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 checklist400% 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 addsSpouse 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 FAQFamily 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 fromFrom 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 quinquiesFrom 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. 63.1From 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 means20 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. 76.1One month from the file reaching the competent body — and silence means refusal, not approval.Source: Reglamento, art. 63.4Three months, and silence again means refusal.Source: Reglamento, art. 85.4
Social security routeAn 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 abroadNone. 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. 93Not 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 93.3Not 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 cadenceUp 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 quinquiesOne year first, then renewals of two years.Source: Reglamento, arts. 61.4 and 64.7One year first, then a renewal of four years, which also lifts the region and sector limits.Source: Reglamento, arts. 83 and 87.1
Path to long-term residenceFive 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. 32.2Five 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. 32.2Five years, same clock and conditions. The cadence is 1 + 4, so one renewal.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. 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. 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. 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. 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. 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.

What this comparison gives you

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 overfrom €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.

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

  1. 3-14 days

    Collect documents

  2. 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

  3. 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).

  4. 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)

Bank statement formats accepted for Spain's Digital Nomad Visa

Payslips (nómina)

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

Renewing your permit

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.

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