Guía Expatriación: España 2026

España ofrece sol durante todo el año, cultura rica, excelente gastronomía y uno de los mejores sistemas de salud de Europa. Con la Visa No Lucrativa, la Visa de Nómada Digital y la Visa Dorada, España se ha convertido en un destino de primer nivel para expatriados de todo el mundo.

Última actualización : Marzo 2026 — Equipo editorial, eVisa-Card.com

Spain de un Vistazo

CapitalMadrid
MonedaEuro (€)
IdiomaSpanish
Costo mensual~$1,500–2,800/month

🛂 Visa & Opciones de Residencia

Tipos de Visa Disponibles

Tipo de Visa Detalles
Non-Lucrative Visa (NLV)For retirees and those with passive income. Must prove €2,400/month (€600 per additional family member). Cannot work en España. 1-year permit, renewable for 2-year periods.
Digital Nomad Visa (DNV)For remote workers with non-Spanish clients. Minimum income €2,646/month. Work permit included. 1-year permit renewable for 3 years, then long-term residence.
Golden VisaInvestment residency: real estate €500,000+, business investment €1M+, government bonds €2M+. No minimum stay requirement. 2-year renewable permit.
Beckham Law (Impatriate Regime)Flat 24% income tax on Spanish-source income for 6 years. For employees relocated to Spain or DNV holders. Apply within 6 months of arrival.
EU CitizenRegister at the local Town Hall (Padrón) and obtain a NIE (foreigners tax number). Free, immediate residence rights.

Proceso de Residencia Paso a Paso

  1. Apply for your visa at the Spanish consulate in your country
  2. Obtain a NIE (Número de Identificación de Extranjero) — required for all legal and financial transactions
  3. Register on the Padrón (municipal census) at your local Town Hall
  4. Obtain private health insurance (required for NLV)
  5. Apply for TIE (Tarjeta de Identidad de Extranjero) residence card at the Oficina de Extranjería
  6. Register with the Seguridad Social if working
  7. Consider applying for Beckham Law within 6 months if eligible
💡 Consejo Pro: The Non-Lucrative Visa requires you NOT to work en España, but you can receive income from foreign sources (pensions, investments, remote work for non-Spanish companies if done discreetly — grey area). The Digital Nomad Visa is cleaner if you're working remotely.

🏥 Salud en España

Salud Pública

Spain's public healthcare system (Sistema Nacional de Salud, SNS) is one of the best in the world. Legal residents registered on the Padrón and contributing to Social Security can access it for free. Retired expats with an S1 form from their home country (EU citizens) also qualify.

Salud Privada

Private healthcare is excellent and affordable by international standards. Major networks: Sanitas, Adeslas, Asisa, HM Hospitales. Consultations cost €40–100.

Costos de Salud Típicos

Servicio Costo Estimado
Public healthcare (residents)Free (with Social Security or S1 form)
Private GP€40–80
Especialista privado€80–150
Limpieza dental (private)€50–80
Medicamentos recetadosSubsidised for residents (0–40% co-payment)
Private hospital (per night)€300–800
ℹ️ Recomendado: For NLV applicants: private health insurance with at least €30,000 coverage is required for the visa. Even after obtaining residency, many expats keep private insurance for faster service.

🛡️ Seguro de Salud Complementario

Private health insurance is compulsory for Non-Lucrative and Digital Nomad visa applications. Even for residents with access to the public system, private coverage provides faster appointments and English-speaking doctors.

Mejores Aseguradoras para Expatriados

Sanitas
Spain's largest private insurer (owned by Bupa). Excellent network, English-language service, strong app. Accepted for NLV. From ~€70/month.
Adeslas (SegurCaixa)
Broad network across Spain. Dental plans available. Popular with expats. From ~€65/month.
Asisa
Strong in Madrid and Catalonia. Good value plans. From ~€60/month.
Cigna Global
International plan, ideal for new arrivals. Worldwide coverage. From ~€130/month.
AXA Spain
Local AXA plans with solid network. Dental add-on available. From ~€75/month.
💡 Consejo Pro: For visa purposes, Sanitas and Adeslas are most commonly accepted by Spanish consulates. Make sure your policy is comprehensive (no exclusions for pre-existing conditions at the consulate stage) and has no co-payments (some consulates require this).

🏦 Abrir una Cuenta Bancaria en España

A Spanish bank account is needed to pay rent, utilities, taxes and to meet visa financial proof requirements. Most banks require a NIE (tax number) and proof of address.

Bancos Recomendados

SabadellExpat-friendly with English service. Branches in Alicante, Barcelona, Málaga. No-fee accounts available.
BBVAMajor bank, strong digital platform. Easy account opening with NIE. Competitive FX rates.
SantanderBanco más grande, extensive branch network. Good for international transfers.
CaixaBankBanco más grande by customers. Good mobile app. Some branches have dedicated expat advisors.
N26 / Wise (non-resident)Usable while awaiting NIE but not accepted for visa applications. Good for initial period.

Documentos Requeridos

  • Pasaporte válido
  • NIE (mandatory) or EU ID
  • Padrón certificate (proof of address registration)
  • Spanish phone number
  • Proof of income or funds

Proceso Paso a Paso

  1. Obtain your NIE first — at the Oficina de Extranjería or at your Spanish consulate abroad
  2. Register on the Padrón at your Town Hall
  3. Book a bank appointment online
  4. Presente todos los documentos; open account same day
  5. Activate online banking (requires Spanish phone number)
💡 Consejo Pro: Sabadell in coastal areas (Alicante, Costoa del Sol) has dedicated expat services in English. If you're moving to Madrid or Barcelona, BBVA and CaixaBank have the best digital banking experience.

🏠 Comprar Propiedad en España

Foreigners can freely buy property en España with no restrictions. Spain is one of the most transparent real estate markets in the EU. Prices vary enormously: from €1,000/m² in rural areas to €6,000+/m² in prime Madrid and Barcelona.

Opciones de Propiedad para Extranjeros

Freehold Purchase
Full ownership, no restrictions for foreigners. Most common.
Golden Visa
Purchase property ≥€500,000 to qualify for Golden Visa residency.
Off-Plan Purchase
Buying directly from developers before completion. Lower prices but construction risk.

Proceso de Compra

  1. Obtain a NIE (mandatory for property purchase)
  2. Hire a Spanish solicitor (abogado) — non-negotiable recommendation
  3. Sign a Reservation Contract (Contrato de Reserva) and pay €3,000–10,000 deposit
  4. Sign the Private Purchase Contract (Contrato de Arras) and pay 10% deposit
  5. Solicitor conducts due diligence: nota simple, building permits, community debts
  6. Arrange finance or international transfer
  7. Sign the Deed (Escritura) before a Notary
  8. Register property at the Property Registry (Registro de la Propiedad)

Costos de Compra Típicos

Concepto Costo
Transfer tax (ITP) or VAT6–10% ITP (resale) OR 10% VAT (new build) + 1.5% stamp duty
Notary fees0.5–1% of purchase price
Land Registry fees0.2–0.5%
Solicitor fees1–2% of purchase price
Impuesto anual sobre bienes inmuebles (IBI)0.3–1.3% of cadastral value
Community fees€50–500/month depending on urbanisation
💡 Consejo Pro: Always obtain a Nota Simple from the Property Registry before signing anything — it confirms ownership, any mortgages and encumbrances on the property. Costo: ~€10.

Acerca de esta Guía

Esta guía es investigada y mantenida por el equipo editorial de eVisa-Card.com. Última actualización: Marzo 2026. Nos esforzamos por mantener toda la información actualizada, pero las normas de visado, los costes sanitarios y la normativa inmobiliaria cambian con frecuencia. Verifique siempre los requisitos actuales con fuentes gubernamentales oficiales y consulte a un profesional autorizado antes de tomar decisiones importantes.

💰 Fiscalidad & Exilio Fiscal

Impuesto sobre ganancias
19-28%
Régimen fiscal
Beckham Law
Cripto-compatibilidad
5/10
Exit Tax
Yes (> 4 years residency, > 4M assets)

Impuesto sobre ganancias: 19-28% progressive CGT

Puntos clave

  • Beckham Law: 24% flat tax for first 6 years
  • Progressive CGT: 19% (0-6k), 21% (6-50k), 23% (50-200k), 28% (200k+)
  • Exit tax applies if resident > 4 years with > 4M in assets
  • Modelo 720: mandatory declaration of foreign assets > 50k

Simule sus ahorros fiscales

Use nuestro simulador gratuito de exilio fiscal para comparar sus ahorros en España.

🚀 Simule sus ahorros fiscales →

Desarrollado por Taxes-Crypto.eu

Información fiscal proporcionada solo como orientación general. Consulte a un asesor fiscal cualificado.


📚 Fuentes Oficiales & Referencias

Equipo Editorial — eVisa-Card.com

Guías escritas por expertos en viajes, especialistas en inmigración y expatriados con experiencia directa en Spain.

✔ Información verificada ✔ Actualizado Marzo 2026 ✔ Fuentes oficiales citadas