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Spain immigration questions and answers
Question library

Spain immigration answers, grouped by situation

Use this index to find practical answers on visas, documents, US consulates, family routes, tax residence and the first steps after arriving in Spain.

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High-intent questions

The pages clients most often need before booking a consultation.

Non-lucrative visa

Retirement and passive-income questions

💶

Income requirements (2026)

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🇺🇸

US citizens: step-by-step

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🧾

How to prove your income

Read →
🏦

Bank statement requirements

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🏦

401(k) & IRA as proof of income

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💰

Can I use savings instead of income?

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🪙

Can I use crypto as proof of means?

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🏢

Business owner income and the visa

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♿

SSDI & SSI: disability income and the visa

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🪪

Spanish disability certificate: your VA rating does not transfer

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🦮

Service dogs and emotional support animals in Spain

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🤝

Can a sponsor's money fund the visa?

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💍

Does alimony count as proof of income?

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👶

Child support as proof of means

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📜

Does an annuity count as guaranteed means?

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⏳

QLAC or SPIA annuity as proof of means

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🎗️

Charitable gift annuity as proof of means

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🏛️

Charitable remainder trust (CRAT/CRUT) as proof of means

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🧾

Inherited nonqualified annuity as proof of means

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🔀

Pension lump sum vs monthly annuity election

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🧮

Cash balance pension plan as proof of means

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📊

RSUs & vested equity compensation as proof of means

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🎖️

Government & military pensions as means

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🌍

Foreign (non-US) pensions as proof of means

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🎁

Gift or inheritance as proof of means

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📄

Life-insurance payout as proof of means

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🏛️

Trust distributions as proof of means (beneficiary)

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🏘️

US rental income as proof of means

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🌐

Foreign (non-US) property rental income as proof of means

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🔑

Home sale proceeds (downsizing) as proof of means

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🏁

Business sale proceeds as proof of means

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🧾

Invoice factoring & accounts receivable as proof of means

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🪜

CD & Treasury ladders as proof of means

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💵

US savings bonds (EE & I) as proof of means

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🎓

529 college savings plan as proof of means

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🩺

Your own HSA as proof of means

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🧮

Structured notes & market-linked CDs as proof of means

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🤝

Seller-financed note payments as proof of means

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🏛️

Deferred sales trust as proof of means

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📝

Private loan interest as proof of means

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🌐

P2P and crowdfunding lending income as proof of means

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⛽

MLP K-1 distributions as proof of means

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🏢

REIT dividends as proof of means

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🧩

Rent-to-own / lease-option payments as proof of means

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⚖️

Structured settlement payments as proof of means

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🧾

Escrowed lawsuit settlement as proof of means

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🛢️

Mineral & oil-gas royalties as proof of means

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🔁

Selling or factoring a royalty stream for a lump sum

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💳

SBLOC & margin loans as proof of means

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🏦

Whole-life policy loan as proof of means

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💵

Whole-life dividends in cash as proof of means

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📑

MEC (modified endowment contract) as proof of means

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🏡

HELOC (home equity line) as proof of means

Read →
🏷️

Pawn or collateral loan as proof of means

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🪙

Physical gold & precious metals as proof of means

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💵

Life or viatical settlement as proof of means

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📉

Systematic withdrawal (4% rule) as proof of means

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⏳

72(t) SEPP payments (retiring before 59½) as proof of means

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🧷

457(b) deferred compensation as proof of means

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🏠

Do you need proof of accommodation?

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💱

USD-EUR currency risk for retirees

Read →
💸

Moving dollars to euros

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🔁

Which exchange rate proves your income?

Read →
🏦

Foreign-currency bank account as proof of means

Read →
🏦

Fintech vs traditional bank

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💳

Does my US credit score follow me to Spain?

Read →
🎓

US student loans after moving to Spain

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📱

Spanish mobile number & SIM for new residents

Read →
🚙

Buying a used car in Spain as a new resident

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🚗

Car insurance in Spain for new US residents

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📮

Do I need a US mailing address after moving to Spain?

Read →
🗳️

Voting from Spain: an American's absentee ballot guide

Read →
⚖️

Jury duty & Selective Service when you live in Spain

Read →
🛃

Global Entry & REAL ID when you live in Spain

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💡

Setting up utilities: electricity, water & gas

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🌐

Home internet & fibre: a new resident's guide

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📺

US streaming & TV after moving to Spain

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🏷️

Selling Spanish property after moving back to the US

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🏠

Home & contents insurance: what expats need

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🏦

US banking, FATCA & FBAR

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🗂️

FBAR vs Form 8938: which one must you file?

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📄

Required documents

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✅

Pre-submission file review

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🌐

Applying from a third country of residence

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🛂

Passport validity before the non-lucrative visa

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🇺🇸

Renewing your US passport from Spain

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🩺

Medical certificate for the visa

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🏥

Health insurance for the visa

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✅

Insurance policy checklist

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📸

Passport photo requirements

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📝

Fill the national visa form

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✍️

Cover letter & letter of intent

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🗂️

EX-01 & 790 fee forms

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🏠

Buying property and the visa

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🏗️

Unlicensed works and first occupation

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🔒

Squatters, empty homes and foreign owners

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🏛️

Comunidad de propietarios for foreign owners

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💱

Euro mortgage: the US currency gain

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💻

Can I work remotely?

Read →
⚖️

Non-lucrative vs digital nomad visa

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🔁

Non-lucrative visa to a work permit: the one-year switch

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🤝

Can I volunteer on the visa?

Read →
🎓

Can I study on the visa?

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🔁

Renewing the visa

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🛬

After visa approval

Read →
🏅

Path to permanent residency

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🧮

Tax implications

Read →
🗽

Do I still file US taxes in Spain?

Read →
🧾

Behind on US taxes? The streamlined catch-up

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🗂️

FBAR vs Form 8938: which one must you file?

Read →
📨

Form 3520: reporting a foreign gift, inheritance or trust to the IRS

Read →
📆

US estimated tax and 1040-ES for retirees in Spain

Read →
🤝

US-Spain tax treaty for retirees

Read →
💰

How is US retirement income taxed in Spain?

Read →
🏦

Is a Roth IRA taxed in Spain?

Read →
📈

401(k) company stock and NUA: the two doors that cancel each other

Read →
⏰

Qualified Opportunity Funds: the deferred gain that can wake up in Spain

Read →
➗

The 3.8% net investment income tax: the one neither country credits

Read →
⏳

Inheriting a US IRA in Spain: the 10-year rule

Read →
🔁

Backdoor & mega-backdoor Roth before moving to Spain

Read →
🌱

Tax-gain harvesting before moving to Spain

Read →
🧾

Installment sales & seller financing before moving to Spain

Read →
🎓

529 college plans after moving to Spain

Read →
🏛️

US public pensions & the Social Security Fairness Act in Spain

Read →
🚆

Railroad Retirement benefits in Spain

Read →
🎖️

US military retirement & VA disability when you move to Spain

Read →
🩺

TRICARE in Spain: veterans and the non-lucrative visa

Read →
🏥

FEHB in Spain: federal retirees and the visa

Read →
📅

Required minimum distributions in Spain

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🏛️

Is my TSP a US-only government pension in Spain?

Read →
🔄

Should I roll my TSP into an IRA before Spain?

Read →
🧬

Inherited TSP spouse beneficiary account in Spain

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⚰️

Non-spouse inherited TSP as proof of means

Read →
🏢

Non-spouse inherited 401(k)/403(b) as proof of means

Read →
🎗️

Are IRA charitable gifts (QCDs) taxed in Spain?

Read →
🎁

Donor-advised funds before moving to Spain

Read →
💵

US savings bonds (EE & I): the asset that picks its own tax year

Read →
⚖️

US alimony and divorce payments after moving to Spain

Read →
🏖️

US timeshares and Spanish tax for retirees

Read →
📈

Are US annuities taxed in Spain?

Read →
📄

US life insurance cash value in Spain

Read →
🎰

Spain's over-65 annuity exemption and the IRS

Read →
🏡

Spain's over-65 home-sale exemption and the IRS

Read →
🔑

Nuda propiedad gifts: the half the IRS ignores

Read →
⚖️

Spanish widow's usufruct: commute it or keep it?

Read →
📝

TOD and POD accounts: skipping a probate Spain hasn't got

Read →
🇺🇸

US ancillary probate for Spanish heirs

Read →
🏥

Is a Health Savings Account taxed in Spain?

Read →
🧬

Non-spouse inherited HSA as proof of means

Read →
🔢

In what order should US retirees draw their accounts?

Read →
🧾

Modelo 720 for US retirees

Read →
🏛️

Wealth tax for US retirees on the non-lucrative visa

Read →
🏠

Selling your US home after becoming a Spanish resident

Read →
🏘️

FIRPTA when a former green-card holder sells US property

Read →
🧾

Form 1040-NR after giving up US status in Spain

Read →
🗺️

Cutting US state tax residency before moving to Spain

Read →
🌉

California tax residency when moving to Spain

Read →
🗽

New York tax residency when moving to Spain

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🏙️

New Jersey tax residency when moving to Spain

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🏛️

Virginia tax residency when moving to Spain

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🦞

Massachusetts tax residency when moving to Spain

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🏦

Connecticut tax residency when moving to Spain

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🛶

Minnesota tax residency when moving to Spain

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🏢

Does Spain tax your QSBS gain? Selling a US business before you move

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📄

Your US LLC, S corp and the K-1 after you move to Spain

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🧓

Long-term care in Spain: who pays when you grow old here?

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🏠

Hiring a carer in Spain: the visa says you may not work, not that you may not employ

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🏘️

Renting your US home after becoming a Spanish resident

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🏦

Reverse mortgage on your US home: can you move to Spain?

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📈

US brokerage accounts after moving to Spain

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🪪

W-9 vs W-8BEN: which form do you sign in Spain?

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🛂

Renouncing US citizenship after retiring to Spain

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📊

PFIC, US funds & ETFs for Spanish residents

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💵

US municipal bonds & Treasury interest in Spain

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🏥

Padrón and health card after arrival

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🏛️

US estate tax vs Spanish inheritance tax

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💍

Your non-citizen spouse and the marital deduction

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🎁

Spanish gift tax on lifetime gifts to family

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📜

Spanish inheritance process for American heirs

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✍️

Do I need a Spanish will? (Brussels IV choice of law)

Read →
📜

US living trusts and the non-lucrative visa

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🖋️

Do US retirees need a Spanish power of attorney? (incapacity)

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🫀

Advance healthcare directive (living will) in Spain

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🫀

Organ donation in Spain for US retirees

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⚕️

Euthanasia and assisted dying in Spain

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🕊️

If a US retiree dies in Spain: the 48-hour decision

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⚱️

Seguro de decesos: should you buy funeral insurance?

Read →
🇺🇸

Social Security + investment income

Read →
🩺

Medicare doesn't cover you in Spain

Read →
💳

Medigap is not your Spain health plan

Read →
🏥

Your ACA subsidy does not move to Spain

Read →
🦷

Dental & vision care in Spain for US retirees

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💳

IRMAA: the Medicare surcharge that can follow you to Spain

Read →
🏦

Receiving your US Social Security in Spain

Read →
💊

Getting your prescription medications in Spain

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⚠️

Why visas get refused — and how to avoid it

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⚖️

Visa denied? Appeal or reapply

Read →
🤫

No answer? Administrative silence explained

Read →
📜

RD 316/2026 and extraordinary arraigo

Read →
🔁

Employed to self-employed: switching to autónomo in Spain

Read →
📆

Four-year work-permit modification after the first card

Read →
🧾

EX-26, Hoja 55 and Hoja 55 bis work-permit modifications

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🛟

Losing your job in Spain: what happens to your work permit

Read →
🔄

Changing employer in your first year on a work permit

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🕒

Changing working hours during the first year

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🎓

Student stay to residence and work: Article 190

Read →
🧪

Internship residence permit in Spain

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🧯

If your autónomo activity stops before renewal

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🔗

Employed and self-employed at the same time (pluriactividad)

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⏳

Student years and long-term residence: the half-count rule

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🧭

Best regions in Spain for US retirees

Read →
🌅

Where to retire on the Costa del Sol

Read →
💶

Cost of living for American retirees

Read →
📊

First-year budget for US retirees moving to Spain

Read →
🏡

Rent first or buy before applying?

Read →
📆

How much time must you spend in Spain?

Read →
✈️

Can you travel in Europe on the non-lucrative visa?

Read →
⏱️

How long does the non-lucrative visa take?

Read →
💵

Timeline & costs from the USA

Read →
🗓️

Document validity calendar

Read →
📅

Getting a visa appointment (BLS, US)

Read →
💬

Consular interview questions

Read →
⚖️

Lawyer or gestor vs doing it yourself

Read →
🔎

Visa receipt & tracking after filing

Read →
🛂

Visa collection & first entry

Read →
🐾

Bringing pets from the USA

Read →
📦

Shipping belongings from the USA

Read →
🛻

Importing your US car to Spain

Read →
⛵

Bringing your US boat: flag, tax and licence

Read →
🔒

Firearms: US gun owners moving to Spain

Read →
🚗

Driving licence for US retirees

Read →
⏳

Early retirees under 60

Read →
🧍

Single retirees

Read →
👫

Retired couples

Read →
💍

Unmarried couples (not married)

Read →
🧭

Apply alone or as a couple?

Read →
📈

Dividend investors

Read →
🏘️

Property-income retirees

Read →
🔑

Does managing rental property count as work?

Read →
🏖️

Letting your Spanish home to tourists: the licence problem

Read →
🔒

Squatters and empty homes in Spain

Read →
🏗️

Unlicensed works before buying in Spain

Read →
🏛️

Your community of owners: votes, derramas and notices

Read →
🎨

Hobby, royalty & side income

Read →
🤝

Volunteering & unpaid work

Read →
Applying from the US

Spanish consulate guides

Each guide points to the consulate context for that jurisdiction and the issues applicants should prepare for.

🗽

New York

Read →
🌴

Los Angeles

Read →
🏖️

Miami

Read →
🌉

San Francisco

Read →
🌆

Chicago

Read →
🤠

Houston

Read →
🏛️

Washington, D.C.

Read →
⚓

Boston

Read →
🌊

San Juan, Puerto Rico

Read →
Moving to Spain

Country-specific relocation guides

🇺🇸

From the USA

Read →
🇬🇧

From the UK after Brexit

Read →
🇨🇦

From Canada

Read →
🇦🇺

From Australia

Read →
🇮🇳

From India

Read →
🇿🇦

From South Africa

Read →
🇦🇪

From the UAE and Gulf

Read →
🇵🇹

From Portugal

Read →
⚖️

Spain vs Portugal for expats

Read →
First steps

NIE, TIE, documents and daily setup

🪪

TIE vs NIE

Read →
🔎

Lost TIE & change of address

Read →
🔢

How to get a NIE

Read →
🇺🇸

Get a NIE from the USA

Read →
🏘️

Empadronamiento

Read →
📜

Apostille and sworn translation

Read →
🪪

Your American name in Spanish files

Read →
✍️

Power of attorney from the USA

Read →
🕵️

FBI background check & apostille

Read →
⚖️

DUI or criminal record & the visa

Read →
🗂️

Police certificates from several countries

Read →
🩺

Medical certificate for visas

Read →
💊

Pre-existing conditions & visa insurance

Read →
🚗

Exchange your driving licence

Read →
🏦

Opening a bank account

Read →
💳

Open a bank account remotely by poder

Read →
🏥

Private health insurance

Read →
⏳

How long residency takes

Read →
🛂

Citizenship by residency

Read →
After arrival in Spain

Your first months as a new resident

What to do once you land: the order of steps, the TIE card process, healthcare registration and the annual tax calendar.

🗓️

First 90 days: arrival checklist

Read →
🖐️

TIE card: cita previa & fingerprints

Read →
🔎

Lost or stolen TIE, and changing address

Read →
🇺🇸

Renewing your US passport from Spain

Read →
🛃

Global Entry & REAL ID for Americans in Spain

Read →
✈️

Leaving Spain before your TIE is ready

Read →
🏥

Healthcare registration for new residents

Read →
🏥

Padrón and health card after arrival

Read →
🩺

Convenio especial: pay into public healthcare

Read →
📅

Spanish tax calendar for new residents

Read →
💶

Direct debits (domiciliaciones) set-up

Read →
🧾

Surviving spouse: TIE, padrón and bank

Read →
🔁

Year-two non-lucrative renewal

Read →
🎒

School enrolment and your renewal file

Read →
📆

NLV renewal: 183 days and tax residence

Read →
🔐

Digital certificate & Cl@ve set-up

Read →
🧹

Hiring a housekeeper, carer or gardener

Read →
🇺🇸

Moving back to the US after Spain

Read →
🏷️

Selling Spanish property after moving back

Read →
Family

Marriage, partners and family residency

👨‍👩‍👧

Bring your family

Read →
👨‍👩‍👧‍👦

NLV for a family with children

Read →
👩‍👧

Single parent NLV with children

Read →
🎓

When a child on the NLV turns 18

Read →
🏡

Homeschooling in Spain: what US families face

Read →
🧩

Disabled adult child + special needs trust

Read →
♿

ABLE/529A account when moving to Spain

Read →
⚖️

US guardianship in Spain for a disabled adult child

Read →
🇪🇺

Spouse of an EU citizen

Read →
💍

Marriage-based residency

Read →
💒

Getting married in Spain

Read →
🤝

Pareja de hecho

Read →
⚖️

Matrimonial property regime

Read →
🏛️

Gananciales and the US step-up in basis

Read →
🧾

Married-couple taxation

Read →
💔

Divorce and residency

Read →
🧳

Moving with a child in shared custody

Read →
⚖️

US divorce decree recognition in Spain

Read →
👶

Children born in Spain

Read →
🇺🇸

Having a baby in Spain as US citizens

Read →
Tax and work

Other common questions

📅

The 183-day tax residency rule

Read →
📆

NLV renewal and the 183-day residence test

Read →
🗽

Do American retirees still file US taxes?

Read →
💰

How is US retirement income taxed in Spain?

Read →
🏦

Is a Roth IRA taxed in Spain?

Read →
📈

401(k) company stock and NUA: the two doors that cancel each other

Read →
⏰

Qualified Opportunity Funds: the deferred gain that can wake up in Spain

Read →
➗

The 3.8% net investment income tax: the one neither country credits

Read →
⏳

Inheriting a US IRA in Spain: the 10-year rule

Read →
🔁

Backdoor & mega-backdoor Roth before moving to Spain

Read →
🌱

Tax-gain harvesting before moving to Spain

Read →
🧾

Installment sales & seller financing before moving to Spain

Read →
🎓

529 college plans after moving to Spain

Read →
🏛️

US public pensions & the Social Security Fairness Act in Spain

Read →
🚆

Railroad Retirement benefits in Spain

Read →
🎖️

US military retirement & VA disability when you move to Spain

Read →
🩺

TRICARE in Spain: veterans and the non-lucrative visa

Read →
🏥

FEHB in Spain: federal retirees and the visa

Read →
📅

Required minimum distributions in Spain

Read →
🏛️

Is my TSP a US-only government pension in Spain?

Read →
🔄

Should I roll my TSP into an IRA before Spain?

Read →
🎗️

Are IRA charitable gifts (QCDs) taxed in Spain?

Read →
🎁

Donor-advised funds before moving to Spain

Read →
💵

US savings bonds (EE & I): the asset that picks its own tax year

Read →
⚖️

US alimony and divorce payments after moving to Spain

Read →
🏖️

US timeshares and Spanish tax for retirees

Read →
📈

Are US annuities taxed in Spain?

Read →
🎰

Spain's over-65 annuity exemption and the IRS

Read →
🏡

Spain's over-65 home-sale exemption and the IRS

Read →
🔑

Nuda propiedad gifts: the half the IRS ignores

Read →
⚖️

Spanish widow's usufruct: commute it or keep it?

Read →
📝

TOD and POD accounts: skipping a probate Spain hasn't got

Read →
🇺🇸

US ancillary probate for Spanish heirs

Read →
🏥

Is a Health Savings Account taxed in Spain?

Read →
🔢

In what order should US retirees draw their accounts?

Read →
💱

USD-EUR currency risk for retirees

Read →
💸

Moving dollars to euros

Read →
🔁

Which exchange rate proves your income?

Read →
🏦

Foreign-currency bank account as proof of means

Read →
🏦

Fintech vs traditional bank

Read →
💳

Does my US credit score follow me to Spain?

Read →
🎓

US student loans after moving to Spain

Read →
📱

Spanish mobile number & SIM for new residents

Read →
🚙

Buying a used car in Spain as a new resident

Read →
🚗

Car insurance in Spain for new US residents

Read →
📮

Do I need a US mailing address after moving to Spain?

Read →
🗳️

Voting from Spain: an American's absentee ballot guide

Read →
⚖️

Jury summons & Selective Service from Spain

Read →
📺

US streaming & TV after moving to Spain

Read →
🏠

Home & contents insurance: what expats need

Read →
📨

Form 3520: reporting a foreign gift, inheritance or trust to the IRS

Read →
📆

US estimated tax and 1040-ES for retirees in Spain

Read →
🧾

Modelo 720 for US retirees

Read →
🏛️

Wealth tax for US retirees on the non-lucrative visa

Read →
🏠

Selling your US home after becoming a Spanish resident

Read →
🏘️

FIRPTA when a former green-card holder sells US property

Read →
🧾

Form 1040-NR after giving up US status in Spain

Read →
🗺️

Cutting US state tax residency before moving to Spain

Read →
🌉

California tax residency when moving to Spain

Read →
🗽

New York tax residency when moving to Spain

Read →
🏙️

New Jersey tax residency when moving to Spain

Read →
🏛️

Virginia tax residency when moving to Spain

Read →
🦞

Massachusetts tax residency when moving to Spain

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🏦

Connecticut tax residency when moving to Spain

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🛶

Minnesota tax residency when moving to Spain

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🏢

Does Spain tax your QSBS gain? Selling a US business before you move

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📄

Your US LLC, S corp and the K-1 after you move to Spain

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🧓

Long-term care in Spain: who pays when you grow old here?

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🏠

Hiring a carer in Spain: the visa says you may not work, not that you may not employ

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🏘️

Renting your US home after becoming a Spanish resident

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🏦

Reverse mortgage on your US home: can you move to Spain?

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📈

US brokerage accounts after moving to Spain

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🪪

W-9 vs W-8BEN: which form do you sign in Spain?

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🛂

Renouncing US citizenship after retiring to Spain

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📊

PFIC, US funds & ETFs for Spanish residents

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💵

US municipal bonds & Treasury interest in Spain

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🏛️

US estate tax vs Spanish inheritance tax

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💍

Your non-citizen spouse and the marital deduction

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🎁

Spanish gift tax on lifetime gifts to family

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📜

Spanish inheritance process for American heirs

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✍️

Do I need a Spanish will? (Brussels IV choice of law)

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📜

US living trusts and the non-lucrative visa

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🖋️

Do US retirees need a Spanish power of attorney? (incapacity)

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🫀

Advance healthcare directive (living will) in Spain

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🫀

Organ donation in Spain for US retirees

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⚕️

Euthanasia and assisted dying in Spain

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🕊️

If a US retiree dies in Spain: the 48-hour decision

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💻

Digital nomad income requirements

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🧾

Crypto reporting & Modelo 721

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🪙

Token compensation under Beckham

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🧩

Web3 founder structure under Beckham

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⏱️

Founder exit timing under Beckham

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🧾

Sell before moving to Spain?

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🧮

Earn-outs & deferred consideration under Beckham

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🛡️

Warranty claims after a founder sale

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💼

M&A advisors & bankers under Beckham

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CFO

Fractional CFOs under Beckham

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🔎

Search fund entrepreneurs under Beckham

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🌱

Angel investors under Beckham

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🤝

Non-compete & consulting pay under Beckham

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👔

Director or consultant after selling?

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🏅

Golden Visa ended: alternatives

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🧰

Social Security and autonomo registration

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