1. Can UK Citizens Live in Spain After Brexit?
Yes, UK citizens can still move to and live in Spain after Brexit, but they now require a visa or residency permit, as the UK is no longer part of the EU. Many UK citizens choose the Non-Lucrative Visa (NLV) if they wish to retire or live without working in Spain. Those intending to work might explore work or investment visas.
2. Financial Requirements for Living in Spain on a Non-Lucrative Visa (NLV)
The Non-Lucrative Visa is the most common residency option for retirees and those not seeking employment in Spain. Spain sets specific financial requirements to ensure applicants can support themselves without relying on Spanish public funds.
Income Thresholds for the Non-Lucrative Visa:
- Primary Applicant: €28,800 per year (or approximately €2,400 per month).
- Additional Family Members: €7,200 per year per dependent (about €600 per month).
These figures are updated periodically and are based on IPREM (Indicador Público de Renta de Efectos Múltiples), a government benchmark for income requirements in Spain. Applicants need to prove they meet these thresholds with either bank statements, investment income, pension payments, or savings.
3. Cost of Living in Spain for UK Expats
The cost of living in Spain varies by region, with cities like Madrid and Barcelona generally more expensive than smaller cities or rural areas. Here’s a monthly breakdown of estimated costs:
Monthly Living Expenses in Spain:
| Expense | Estimated Cost (Euros) |
|---|---|
| Rent (1-bedroom apartment) | €500–€1,200 |
| Utilities (electricity, water, internet) | €100–€150 |
| Groceries and Dining | €250–€400 |
| Health Insurance | €50–€200 |
| Transportation | €40–€70 (public transit) |
| Miscellaneous (entertainment, etc.) | €100–€200 |
| Total (Single Person) | €1,000–€2,200 |
4. Health Insurance Requirement
Health insurance is mandatory for non-working residents and must cover the entire duration of stay without copayments or deductibles. Monthly costs vary, generally from €50 to €200, depending on the coverage level and the applicant’s age.
5. Proof of Accommodation
Applicants must show proof of residence in Spain. This can include:
- Rental Agreement: A signed contract for an apartment or house.
- Proof of Ownership: If you own a property, provide the deed or title.
Securing a rental contract or purchasing property before applying can strengthen your residency application.
6. Other Visa Options and Financial Requirements
For those not eligible for the Non-Lucrative Visa, Spain offers several alternatives:
6.1 Golden Visa
For investors purchasing real estate worth €500,000 or more, the Golden Visa provides residency without stringent income requirements, and the visa holder can work in Spain.
6.2 Self-Employed or Entrepreneur Visa
If you plan to start a business in Spain, you can apply for an Autónomo Visa or Entrepreneur Visa. The financial requirements vary, with proof of financial stability and a viable business plan being essential.
6.3 Work Visa
If you secure employment with a Spanish employer, you may be eligible for a work visa. The employer must provide evidence that no EU/EEA national could fill the position, and you must meet the income threshold as per your contract.
7. Additional Considerations for UK Citizens Post-Brexit
- Residency Permit Renewal: Non-Lucrative Visas need renewal every year for the first two years, then every two years until permanent residency is granted after five years.
- Tax Obligations: Spain taxes worldwide income for residents. Consult a tax advisor to understand the tax implications of spending more than 183 days in Spain.
- Language Requirement: While not mandatory, learning Spanish can be helpful for integration and navigating daily life.
8. FAQs About Living in Spain After Brexit
- Can I work in Spain on a Non-Lucrative Visa?
No, the Non-Lucrative Visa does not permit employment. You may, however, apply for a work visa or self-employed visa if you plan to work. - Is health insurance mandatory for UK citizens living in Spain?
Yes, non-working residents must have private health insurance with full coverage in Spain. - Can I bring my family with me on a Non-Lucrative Visa?
Yes, but you must meet additional income requirements for each dependent. - How long does it take to get the Non-Lucrative Visa?
Processing usually takes about 2–3 months, but it’s best to apply several months in advance. - What happens if I don’t meet the financial requirement?
Not meeting the financial threshold can result in a visa refusal. Consider alternative visa options, such as the Golden Visa, if you have investment resources.
9. Conclusion
The cost of living in Spain after Brexit varies based on location, lifestyle, and visa requirements. For UK citizens, securing residency through options like the Non-Lucrative Visa or Golden Visa is achievable with proper financial planning. Understanding the visa requirements, healthcare obligations, and cost of living will help ensure a smooth transition to life in Spain.