Retiring to Spain from UK is a dream shared by thousands of Brits, and despite Brexit, it’s still absolutely possible. Imagine spending your golden years under the Mediterranean sun, enjoying affordable healthcare, a relaxed lifestyle, and charming coastal towns full of culture and community.
But before packing your bags, there are essential things you need to know: visas, costs, legal requirements, and the realities of life abroad. In this guide, you’ll learn how to retire to Spain from the UK, including how much money you need, and the pitfalls of retiring to Spain that many overlook.
Can UK citizens still retire to Spain legally?
Yes, even after Brexit. However, the process is no longer as simple as packing your things and moving abroad. Since the UK is now considered a third country by the EU, British retirees must meet specific immigration requirements to legally reside in Spain for more than 90 days. The good news? Spain remains one of the most welcoming destinations for British expats, with well-defined visa pathways for non-EU retirees.
The most common route is through the non-lucrative visa, which is designed for individuals who have sufficient financial means to support themselves without working in Spain. This visa allows you to live in the country full-time and is renewable year after year, eventually opening the door to long-term residency.
Changes post-Brexit you need to know
Before Brexit, Brits enjoyed freedom of movement within the EU, including the right to live in Spain without a visa. That ended on January 1st, 2021. Now, UK citizens are treated like all other non-EU nationals, which means they must apply for a residence visa if they plan to stay in Spain for longer than 90 days in any 180-day period. This shift has added new steps to the retirement process but it hasn’t closed the door.
One of the biggest adjustments is the financial threshold required for residency. To obtain a non-lucrative visa, you must show that you have sufficient income or savings to support yourself in Spain without local employment. In addition, you must provide private health insurance, a clean criminal record, and several official documents.
Best places to retire in Spain
Spain offers a wide variety of retirement destinations, each with its own charm, climate, and lifestyle. In this section, we explore the most popular and practical places to retire in Spain while considering what really matters in retirement.
Coastal towns with large British communities
Spain’s southern and eastern coasts have long been favourites among British retirees. Towns like Javea, Moraira, Torrevieja, Benalmádena, and Fuengirola offer the perfect blend of warm weather, sea views, and a strong expat presence. Many of these areas have English-speaking doctors, supermarkets with British products, and established communities where new arrivals feel at home almost immediately.
The Costa Blanca and Costa del Sol are especially popular due to their mild winters, excellent healthcare infrastructure, and active social scenes. Whether you enjoy golf, beachfront walks, or simply want to relax in a familiar environment, these towns make retiring to Spain feel like an extension of life in the UK.
Inland villages with low living costs
If you’re looking for a slower pace of life and greater affordability, inland Spain offers some hidden gems. Regions like Andalucía, Castilla-La Mancha, and Extremadura feature beautiful whitewashed villages, scenic countryside, and traditional Spanish culture.
Towns such as Ronda, Albox, Orgiva, or even smaller areas near Granada or Jaén, allow retirees to enjoy peace, space, and nature while living comfortably on a smaller budget. Property prices are significantly lower inland, and while English may be less widely spoken, many Brits appreciate the opportunity to immerse themselves in a more authentic Spanish lifestyle.
Healthcare, amenities, and climate considerations
Healthcare access is a top priority for most retirees, and Spain’s system is consistently ranked among the best in the world. Coastal areas and major cities generally offer better proximity to public and private hospitals, with many English-speaking professionals available. Before choosing where to settle, it’s worth checking the availability of local clinics, emergency services, and specialists, especially if you have ongoing medical needs.
Climate also plays a big role. While most of Spain enjoys a sunny Mediterranean climate, northern regions like Galicia and Asturias tend to be cooler and rainier, while southern areas like Murcia and Almería offer hot, dry conditions year-round. Think about what temperatures you’ll enjoy long-term and don’t forget to factor in access to public transport, shops, and social activities, which can make a big difference in your daily life as a retiree.
How to retire to Spain from the UK?
Done properly, the process is smooth, but it’s essential to get it right from the start.
Step-by-step overview of the retirement process
- Check your eligibility: Confirm you meet the income and health insurance requirements for a non-lucrative visa.
- Gather documentation: Collect your passport, bank statements, proof of pension or savings, private health insurance, and criminal record certificate.
- Translate and legalize: Ensure all non-Spanish documents are officially translated and apostilled where required.
- Apply for the visa: Submit your application at the Spanish consulate in the UK (Manchester, London, or Edinburgh, depending on where you live).
- Enter Spain and register: Once approved, travel to Spain and apply for your TIE (foreigner ID card) within 30 days.
- Apply for renewals and long-term residency: The non-lucrative visa is initially valid for 1 year, then renewable in 2-year periods.
While the steps may seem straightforward, many applications are delayed or rejected due to small mistakes in paperwork.
Spain retirement visa
The most suitable route for most UK retirees is the non-lucrative visa, often referred to as the Spain retirement visa. This visa is intended for non-EU citizens who have enough income or savings to live in Spain without working. It’s ideal for retirees living off pensions, investments, or other passive income sources.
To qualify, you must show that you have at least 200% of the Spanish minimum wage (SMI)—around €2,400 per month—plus additional funds for dependents. This visa allows you to stay in Spain long-term and can lead to permanent residency after five years.
Required documents and application tips
When applying for the non-lucrative visa, you’ll need to provide the following:
- A valid UK passport
- Proof of income or sufficient savings (bank statements, pension letters, etc.)
- A private health insurance policy with no co-payments
- A clean criminal record certificate (ACRO certificate, apostilled)
- A medical certificate issued within 3 months of your application
- Completed application form and passport-sized photos
- Proof of accommodation in Spain (rental contract, property deed, or invitation letter)
All foreign documents must be translated into Spanish by a sworn translator and, where required, apostilled to confirm their legal validity. Submitting incomplete or incorrectly formatted paperwork is a common reason for rejection, so attention to detail is crucial.
Hiring a lawyer to help with your retirement move
Many Brits choose to work with an immigration lawyer to simplify and speed up the process. Lawyers help ensure all your documentation is in order, translated properly, and submitted to the correct consulate within the required timeframe.
Pellicer & Heredia is a highly recommended law firm offering comprehensive legal services in Spain, with extensive experience helping UK citizens retire with confidence. They can also advise on local registrations, tax planning, and healthcare options once you arrive in Spain.
How much money do I need to retire to Spain?
One of the most common questions for anyone considering retirement abroad is: how much do I need to live comfortably and legally? Spain is known for its relatively low cost of living, but that doesn’t mean there are no financial barriers to entry—especially for Brits post-Brexit.
To retire legally in Spain, you’ll need to meet specific minimum income thresholds as part of your visa application, and ideally have a financial buffer to cover unexpected costs, healthcare, or changes in exchange rates.
Spain’s financial requirements for retirees
To obtain a non-lucrative visa you must show that you can financially support yourself without working. As of 2025, the required income is approximately €2,400 per month, or €28,800 per year. This figure is based on 200% of the Spanish minimum wage (IPREM). If you’re bringing a spouse or dependent, you’ll need around €7,200 extra per person per year.
You can meet this requirement through pensions, savings, investments, or any other consistent income that is not tied to a Spanish employer. The Spanish authorities want to see that your income is stable, passive, and sufficient to avoid becoming a burden on the public system. Most importantly, your bank statements and income proofs must be recent, clear, and well-documented.
Can you retire to Spain on a UK state pension?
In many cases, the UK state pension alone is not enough to meet Spain’s income requirements. As of 2025, the full UK state pension is around £11,500 per year, which falls well short of the €28,800 annual threshold required for a single applicant.
That said, if your only income is the UK state pension, your application for a non-lucrative visa is likely to be rejected. To strengthen your case, many applicants show additional savings or investments to make up the difference. It’s important to calculate this in euros and account for fluctuations in exchange rates, as Spanish authorities assess your financial situation in local currency.
Additional income and savings: what counts
The good news is that Spain is flexible in terms of what types of financial resources you can include in your application. In addition to pensions (state or private), you can count investment income, rental income from properties abroad, or annuities. Regular dividends, income from trusts, or even support from a financially stable spouse can also be accepted, as long as the income source is well-documented.
You can also include lump-sum savings if they are significant and accessible. In this case, you’ll usually be expected to show a consistent bank balance over the last 3–6 months. Having a combination of recurring income and cash reserves presents a strong case for financial stability.
How much does it cost to retire in Spain?
Spain continues to attract thousands of retirees thanks to its lower cost of living compared to the UK. However, the total cost of retirement in Spain can vary depending on your lifestyle, location, and residency status.
Monthly cost of living for retirees
On average, a single retiree in Spain can live comfortably on €1,800 to €2,200 per month, depending on where they settle. This includes rent, food, transportation, utilities, and personal expenses. In smaller towns or inland regions, it’s possible to live well for even less—sometimes around €1,400–€1,600 per month. Couples can often share costs and reduce their combined expenses to €2,500–€3,000 monthly.
Keep in mind that lifestyle choices will influence your budget. Dining out regularly, choosing premium healthcare, or living in a coastal hotspot like Marbella or Barcelona will naturally increase your monthly spend. On the other hand, cooking at home, using public transport, and living in quieter areas can help you save significantly without sacrificing comfort.
Housing, healthcare, utilities, and taxes
Housing is typically your largest monthly expense. Renting a one-bedroom apartment in a coastal city might cost €800–€1,200/month, while the same property in a smaller town or village could be €500–€700. If you choose to buy property, costs vary greatly by region but are generally lower than in the UK.
Healthcare is another important factor. Retirees with a non-lucrative visa must have private health insurance, which can cost between €60 and €150/month depending on your age and coverage. After a few years, you may become eligible for Spain’s excellent public healthcare system.
Utilities (electricity, water, gas, internet) generally range between €100 and €200/month, and groceries are also reasonably priced compared to the UK. As for taxes, you may need to declare your worldwide income in Spain, and the country has a double taxation agreement with the UK to avoid being taxed twice.
Tips for budgeting and managing your finances
To make your retirement in Spain sustainable and stress-free, it’s crucial to create a realistic budget that factors in both fixed costs and unexpected expenses. Start by listing essential items like rent, insurance, and groceries, then include variable items such as travel, entertainment, and medical costs.
Consider using a currency exchange service to get better rates on transferring your pension or savings, and be mindful of currency fluctuations, especially if your income is in GBP and your expenses in EUR. It’s also wise to keep emergency savings and review your spending regularly to stay on track.
Finally, many retirees find it helpful to work with professionals who understand the financial landscape in Spain. Pellicer & Heredia, for example, not only provide legal support for visa and residency but also assist with an international tax planning to help you manage your retirement budget efficiently.
Pitfalls of retiring to Spain
While retiring to Spain offers many advantages, it’s not without its challenges. Many Brits make the mistake of assuming that life in Spain is as simple as it was pre-Brexit.
In this section, we’ll look at the most common pitfalls British retirees face when moving to Spain, and how to avoid them with the right preparation and expert support.
Visa and residency mistakes
One of the most frequent mistakes is assuming you can retire to Spain without a visa or overstay the 90-day limit allowed under the Schengen rules. Since Brexit, UK citizens are no longer automatically entitled to live in Spain, and must apply a non-lucrative visa for retirees. Failing to do so can result in denied entry, fines, or being banned from returning to the Schengen Area for a period of time.
Another common error is submitting incomplete or incorrectly formatted documentation. Visa applications are rejected every day due to missing translations, invalid health insurance, or insufficient proof of income. Working with an immigration specialist can help you avoid these setbacks by ensuring your application meets every requirement from the start.
Underestimating healthcare and insurance needs
Some retirees mistakenly believe they’ll automatically gain access to Spain’s public healthcare system, or that their European Health Insurance Card (EHIC) will cover them long-term. However, this isn’t the case. UK retirees applying for residency must first secure private health insurance with no co-payments, which meets Spanish visa requirements.
Additionally, while Spain offers excellent public healthcare, access often depends on residency status and contributions to the social security system. It’s also important to plan for age-related health expenses, including medications, mobility aids, or specialist care. Choosing the wrong insurance policy—or having none at all—can result in denied visa applications or expensive out-of-pocket medical bills later on.
Currency exchange, taxation, and estate planning
Living on a UK-based income or pension means you’ll be exposed to currency fluctuations, which can impact your budget dramatically over time. Many retirees don’t consider how exchange rate changes between GBP and EUR will affect their monthly income. Using a currency transfer service and holding a Euro-based account can help minimize losses and stabilize your cash flow.
Taxation is another major consideration. As a tax resident in Spain (which you become after living there for more than 183 days in a calendar year), you must declare your worldwide income. This includes UK pensions, rental income, and investments. While the UK-Spain double taxation treaty helps prevent being taxed twice, many retirees miss opportunities to optimize their tax position due to lack of planning.
Lastly, estate and inheritance laws in Spain differ significantly from those in the UK. Without proper estate planning, your heirs may face unexpected taxes or legal complications.
How Pellicer & Heredia can support your retirement to Spain
Retiring abroad is a life-changing decision, and having the right legal support can make the difference between a smooth transition and a stressful experience. That’s why so many British expats trust Pellicer & Heredia, a law firm specialized in assisting foreign citizens with all legal aspects of relocating to Spain.
Legal assistance for UK retirees
Pellicer & Heredia provides comprehensive legal services in Spain, specifically tailored for British retirees. They handle the complex paperwork involved in applying for a non-lucrative visa, guide you through required documentation, and ensure everything is properly translated, legalized, and submitted on time.
Their bilingual team is well-versed in the post-Brexit legal landscape and regularly helps UK nationals navigate Spain’s residency and immigration system with confidence.
Visa processing, property purchase, and tax planning
If you’re planning to buy a home in Spain as part of your retirement, their conveyancing solicitors will assist with due diligence, contracts, and registration to ensure your investment is safe and compliant with local regulations.
They also offer expert tax planning advice, helping retirees avoid double taxation and structure their pensions, savings, and other income sources in the most tax-efficient way.
Personalized support for long-term relocation
Every retiree’s situation is different. That’s why they offer personalized legal strategies based on your lifestyle goals, family situation, and long-term plans in Spain. From helping you renew your visa to applying for permanent residency or Spanish citizenship, their legal team will remain by your side well beyond your initial move.
Ready to start your retirement in Spain? Contact Pellicer & Heredia today and take the first step with confidence.
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