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Guide · Mallorca

Which Spanish visa do you actually need?

Digital nomad, non-lucrative, work or student. The overview, and the rare good news about applying from inside Spain.

Bureaucracy & Visas
SE

Settli Editorial

Palma team

6 min read · Reviewed 20 June 2026

If you hold an EU/EEA or Swiss passport, skip this guide: you don't need a visa. Arrive, live, work, your only paperwork is the NIE registration and the padrón. Everyone else picks a lane, and Spain's lanes have one genuinely unusual feature worth knowing up front.

The unusual feature: applying from inside Spain

Unlike most of Europe, Spain lets you apply for several key permits while in the country legally as a tourist: most importantly the digital nomad visa. Enter on your 90 visa-free days, apply to the UGE (the large-companies and strategic-sectors unit), and if approved you get a 3-year residence card instead of the 1-year visa a consulate would issue. Same eligibility, better outcome, no flying home. This single fact reorganises most people's plans.

Digital nomad visa, the default for remote workers

Spain's DNV (from the 2023 startup law) covers employees of foreign companies and freelancers with mostly foreign clients (up to 20% Spanish income allowed). The bar:

  • Income around 200% of the minimum wage (moves with each year's official SMI increase, currently in the €2,400 to 2,850/month range), documented with contracts and payslips
  • Three months' relationship with your employer/clients, and a company that's existed a year
  • A university degree or three years' professional experience
  • Clean criminal record, full private health insurance

It runs 3 years (in-country route), renews to 5, counts toward permanent residency, and can pair with the Beckham tax regime (see the taxes guide), which is where it gets financially interesting.

Non-lucrative visa, money, no work

The NLV is for living without working: retirees, sabbaticals, people with passive income. You show roughly €2,400/month (400% of IPREM) plus ~€600/month per dependant, from savings or passive sources. Officially you cannot work, including remote work, in the consulates' reading, so don't plan to quietly freelance on it. Consulate-only application, 1 year, renewable in 2-year blocks.

The rest of the menu

  • Work visa: a Spanish employer sponsors you; they drive the process. The employer must generally clear labour-market tests unless the role is on the shortage list or qualifies as highly skilled (the EU Blue Card route is increasingly the smooth one).
  • Student visa: enrolment at an accredited school; allows part-time work up to 30 hrs/week, and Spanish language schools count, which makes this a legitimate landing path.
  • Entrepreneur visa: for a startup project endorsed by ENISA as innovative; real businesses only, but processed fast through the same UGE unit.
  • Arraigo: regularisation routes after 2 to 3 years in Spain; a safety valve, not a plan.
  • Golden visa: gone. Spain abolished the property-investment route in April 2025; ignore any blog still selling it.

What every route has in common

Apostilled criminal record certificate, full private health insurance, for visa purposes it must be sin copagos y sin carencias (no copays, no waiting periods; a normal retail policy gets rejected), proof of funds or income, and patience with the cita previa system. Get your NIE moving early; every later step wants it.

The timeline

In-country DNV applications are decided in about 20 working days (silence counts as approval under the startup law, administrative silence, in your favour, genuinely). Consulate routes run 1 to 4 months depending on the consulate, plus the slot-hunting. The sane sequence if you're remote: land visa-free → padrón + NIE groundwork → UGE application in week 2 to 3 → TIE card when approved. Talk to an immigration lawyer (€500 to 1,500 for a DNV file) if your income mix is complicated; the application is form-heavy and the UGE rejects sloppy files without sentiment.

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