Last Updated on March 18, 2026 by Bruno Bianchi
Question
Is it mandatory to have a Spanish bank account if we want to pursue the Spanish non lucrative visa (NLV) route in Spain, given that we’ve had negative experiences with Sabadell bank charges and have shifted our direct debits to Wise/Starling?
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Start the Moving to Spain Hub →Can our rental income from our UK property portfolio serve as sufficient proof of yearly income to meet the financial requirement for the NLV until we both turn 55 and can claim our public sector pensions?
Answers
These are the answers of some Facebook group members:
”No, you don’t have to have a bank account. Yes your rental income will count.
You are likely to be asked to prove that it’s a passive income so may need to give details of the agent or employee managing the properties for you”
”As long as it’s passive income, it can count. But get an immigration expert.”
In conclusion, according to Spainguru Facebook group members, having a Spanish bank account is not mandatory for the Sànish non lucrative visa. Your UK rental income can count as sufficient proof of income, but it should be passive income. Consulting with an expert is recommended for specific guidance, and there are reasonably priced professionals who can help with the process.
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