Last Updated on March 18, 2026 by Bruno Bianchi
Question about non lucrative Spain visa
For those that applied for a non lucrative Spain visa as a married couple, did your saving accounts have to be in joint names?
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These are the answers of some Facebook group members:
”Our savings were in separate names, just had to show our marriage certificate at the interview”
”No savings was in my name only even though it’s a joint account due to GDPR rules x”
”We had to show a joint account so opened up a new account as the savings were originally just in my name”
”They are not really joint applications – they are actually separate but one partner may defer to the other’s income as part of evidencing how IPREM requirements will be met. Accounts can either be joint or separate or a mixture of both”
”Our savings were in my name, we are using a solicitor and she said we would need a signed affidavit. So we went and opened a joint savings account”
”My husband and I applied for our 2/3 year renewal, seems like our applications were separate somewhere along the line. The solicitor was involved when we got rejected. Ten months later two rejections for my husband I and a third rejection for me, now I have to go to court my husband and I had separate bank accounts and it has caused so much chaos it’s unreal. So now the new apostilled marriage certificate, won’t tell you how much it has all cost, you wouldn’t believe me. End result so far is my husband has his and I now have 9 months for my court appearance!!! I could write an essay on it”
In conclusion, according to Spainguru Facebook group members, immigration applicants often face complexities related to joint and separate savings accounts. Some couples use marriage certificates as proof of their relationship, even if they maintain separate savings, while others must open joint accounts due to privacy rules. These applications can seem joint but often rely on one partner’s income. This can lead to challenges, rejections, and legal issues, highlighting the need to understand the requirements and consequences of joint and separate finances in immigration processes.
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