Whether you’re planning a future move or already researching your dream retirement in Spain, here are answers to the most common questions asked by retirees from the UK, USA, and across Europe.
1. What visa do I need to retire in Spain?
If you are not an EU/EEA citizen, you will likely need the Non-Lucrative Visa, which allows you to live in Spain without working. EU citizens do not need a visa but must register locally.
2. How much does it cost to retire in Spain?
On average, a single retiree can live comfortably on €1,800–€2,500/month, while couples typically spend €2,500–€3,500/month, depending on location and lifestyle.
3. Can I access Spanish healthcare as a retiree?
Yes. Non-EU retirees need private insurance (especially for visa approval), while UK pensioners may qualify for public care with an S1 form. Spain’s healthcare is among the best in Europe.
4. Will I be taxed on my pension in Spain?
Most foreign pensions are taxable in Spain if you’re a tax resident (183+ days/year). Spain has tax treaties with the UK, US, and other countries to avoid double taxation.
5. Should I buy or rent a property?
Renting is ideal for the first 6–12 months while exploring areas. Buying offers long-term stability but comes with legal and tax considerations.
6. Do I need to learn Spanish?
You can live comfortably in expat areas with limited Spanish, but learning the basics improves daily life, integration, and relationships with locals.
7. Can I bring my pets to Spain?
Yes. Pets must meet import regulations, have microchips, valid rabies vaccinations, and typically arrive with an EU pet passport or health certificate.
8. Is it easy to make friends?
Yes. Many areas have active expat communities, hobby groups, language exchanges, and social clubs. Apps like Meetup and Facebook groups are helpful.
9. How do I transfer money or receive my pension?
You can receive pensions directly to your Spanish bank account. Consider using international transfer services for better exchange rates and lower fees.
10. Is Spain safe for retirees?
Yes. Spain has low violent crime rates and is considered one of the safest countries in Europe. Healthcare, infrastructure, and expat services are all excellent.
11. What is the climate like?
Spain offers diverse climates. The Costa del Sol and Canary Islands enjoy mild winters and warm summers. Inland and northern areas experience colder winters and more seasonal variation.
12. How long can I stay in Spain without residency?
Non-EU citizens can stay up to 90 days in any 180-day period on a tourist visa. Longer stays require a visa or residency permit.
13. What is an NIE number and do I need one?
Yes. The NIE (Número de Identidad de Extranjero) is your foreigner ID number required for banking, property, taxes, and most official paperwork.
14. Can I use UK or US driving licences in Spain?
You can use your UK license for short stays, but long-term residents must exchange it for a Spanish license. US citizens may need to take a Spanish driving test.
15. How do I find trustworthy property listings?
Use established portals like downsizein.com, work with registered estate agents, and always consult an independent solicitor before buying.
