MY LAYER IN SPAIN

Immigration & Real Estate

Good to know

Landing in Spain

The visa is one step. These are the things that follow — roughly in the order you will need them. Getting the sequence right avoids most of the delays people run into.

01

NIE — your foreigner's number

A tax and identification number for foreigners. You cannot buy property, sign a contract or open most bank accounts without it.

  • Applied for at a police station in Spain or a consulate abroad
  • Issued as a paper certificate, not a card
  • The number is permanent and never changes

02

Empadronamiento — registering with your town hall

Registration on your municipality’s roll. It is usually the very first thing to do after arriving, and everything else depends on it.

  • Needed for healthcare, schooling and most residency applications
  • Requires a rental contract or deeds, plus your passport
  • Free, and normally done at your local ayuntamiento

03

TIE — your residence card

The physical card proving your residence status. It must be applied for within 30 days of arriving on a long-stay visa.

  • Requires a fingerprinting appointment at a police station
  • Fee is around €16.50, plus the visa fee already paid
  • Carries your NIE, photo and the type of permit you hold

04

Healthcare — public, private or both

Most visas require private cover with no co-payments. Once you work and pay contributions, public healthcare becomes available as well.

  • Travel insurance is not accepted for visa purposes
  • The policy must come from an insurer authorised in Spain
  • Co-payments and waiting periods are the most common cause of refusal

05

Social security number

Required before you can be employed or register as self-employed, and the gateway to public healthcare.

  • Applied for at a Tesorería General de la Seguridad Social office
  • Autónomos pay monthly contributions from registration
  • Some nationalities can rely on a certificate of coverage from home

06

Tax residency

Spend more than 183 days in Spain in a calendar year and you become tax resident on your worldwide income.

  • Progressive rates run from roughly 19% to 47%
  • The Beckham Law offers a flat 24% to some new arrivals
  • The Modelo 720 declares assets held abroad

07

Opening a Spanish bank account

Straightforward once you hold an NIE, and required for rent, utilities and most administrative fees.

  • Non-resident accounts exist but carry higher charges
  • Most banks want your NIE, passport and proof of address
  • Direct debit is how utilities and taxes are normally paid

08

Digital certificate

Your legal electronic signature. Most residency applications made from inside Spain are filed with it.

  • Requested online, then confirmed in person
  • Used to file with the UGE-CE portal and the tax authority
  • Valid for several years and renewable online

09

Converting your driving licence

EU licences carry over. Everything else depends on whether your country has an agreement with Spain.

  • You have six months from becoming resident to sort it out
  • Some countries convert directly, others require a Spanish test
  • There is no agreement with the United States or Canada

Not sure which route applies to you?