Last Updated on March 18, 2026 by Bruno Bianchi
Question
Spain non lucrative visa: Can both credit card and savings be utilized to cover the required €28,000?
Answers
These are the answers of some Facebook group members:
”No”
”Now on paper back? How to get a Spain non lucrative visa by Robin Banks”
”It’s not a debt, if you don’t use it, its just saying if you have credit available, I think ( but obviously if you use it and can’t pay it off, it won’t be there for renewals!”
”Absolutely not. They’re looking for money actually in a bank account and or passive income, or some combo of the two equal to or exceeding the minimums required. Further, in my experience helping people prepare NLV applications, when going with savings alone (and no reliable, documentable passive income), I’d shoot for a minimum amount at least 50% higher. That’s anecdotal, but that’s what I’ve seen”
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Start the Moving to Spain Hub →“I actually used credit cards for my renewal because the ministry’s website says I could. The initial application, I’m not sure because consulates do whatever they want so I used savings
Source: https://www.inclusion.gob.es/…/renovacion-de-la…
Check out the, “documentación exigible” section which says, “credit cards accompanied by a bank certification that certifies the amount available as credit on the card”. Keep in mind that this was for a renewal, but I simply printed my last 3 statements for 2 of my credit cards, and attached that.”
”Yes, you can”
”No”
”Yes, you can”
”The number of people who say ‘no’ but haven’t read the law”
”The bank could withdraw the credit on a card at any time so I don’t know how this would work for renewals”
”Yes, you can”
Conclusion
In conclusion, According to Spainguru Facebook group members, the question of whether both credit card and savings can be utilized to cover the required funding elicits mixed responses. Some assert a definitive “No,” emphasizing the need for money in a bank account or reliable passive income to meet the specified requirements.
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Explore Cities →One member highlights the potential risk of relying on credit cards due to the possibility of withdrawal by the bank. Conversely, others argue that it is possible, with one member specifically referencing the importance of reading the law and oficial requirements.
The consensus remains divided, suggesting varied interpretations and experiences within the group regarding the suitability of credit cards and savings for covering the specified amount.
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