Sunshine, culture, world-class food and one of Europe's most attractive tax regimes for newcomers. Here's everything you need to know.
Spain offers several visa routes depending on your situation — whether you're employed, self-employed, retired, or a student. EU/EEA citizens can move freely and simply need to register their residency. Non-EU nationals will need one of the following visas.
Important: Spain's Golden Visa (real estate investment route) was officially ended in April 2025. Immigration rules change regularly — always verify requirements with a qualified Spanish immigration lawyer before applying.
Spain's standard income tax rates are progressive and can reach up to 47% for high earners. However, newcomers may qualify for a significant tax break known as the Beckham Law.
Spain's special tax regime for newcomers — named after David Beckham, who was among the first to use it when joining Real Madrid in 2003.
| Income bracket | Tax rate |
|---|---|
| Up to €12,450 | 19% |
| €12,450 – €20,200 | 24% |
| €20,200 – €35,200 | 30% |
| €35,200 – €60,000 | 37% |
| €60,000 – €300,000 | 45% |
| Over €300,000 | 47% |
Tax advice disclaimer: Tax laws change frequently and depend on your personal situation, income type, and country of origin. Always consult a qualified Spanish tax advisor before making any decisions.
Spain is generally 25–34% cheaper than the US or Northern Europe. A single person can live comfortably on €1,200–€2,000/month, while families typically need €3,000–€3,500/month. Costs vary significantly by city.
Spain's healthcare system, the Sistema Nacional de Salud (SNS), is ranked among the best in the world — covering over 99% of residents. As an expat, your access depends on your residency status and how you contribute to social security.
Tip for new arrivals: Most expats start with private insurance to meet visa requirements and for faster access, then register for public healthcare once eligible. To access the SNS, you'll need your NIE (foreigner ID number) and to register at your local town hall (empadronamiento).
Opening a bank account in Spain is straightforward once you have your NIE (Número de Identificación de Extranjero). You'll need a Spanish bank account for paying rent, utilities, and receiving your salary.
Tip: Get a Revolut or N26 account before you move — it lets you spend in euros fee-free while you're setting up your NIE and Spanish bank account, which can take several weeks.
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