Question
When submitting your bank accounts for the Spain non lucrative visa, do you have to give them copies of all your bank accounts or just the ones that have enough funds in them for the requirement?
Answers
These are the answers of the Spanish Non Lucrative Visa group members:
“You only need to provide copies of bank accounts that have sufficient funds to meet the visa requirement.”
“Include the origins of funds if it is not clear. BLS only asks for 3 months of statements—submit at least 6. Good luck”
“I’m getting my invoice from sale of house officially translated which will show where funds have come from.”
“BLS asks for 3 months but many folks I know got asked to submit 12 months after applying. We submitted 12 months of both of our checking accounts and one savings account.
That along with pension and retirement letters were fine. No one asked me for any added docs. We did not translate or stamp bank statements, only the letters of pension and retirement.”
“They usually require bank statements to be stamped. They are definitely looking into bank accounts more.”
“Only ones that are liquid for the timeframe you are requesting.”
“We are just sorting out our bank statements now. I am assuming they don’t need an apostille stamp? Hope not, we have pages and pages of it from multiple accounts!”
“I just had the bank sign and stamp them. No problems.” – “This is not a possibility for us as they are online banks.”
“Does the bank have customer service? Maybe ask if they can send you a letter verifying what you have in your account. My December statement didn’t come out on time and they accepted the letter from the bank for my 2/3 year renewal.” – “It’s not just a simple bank account unfortunately, it’s investments etc.”
“Note that investments don’t count (stocks, bonds, etc.). It has to be a Savings account of some sort… But it only has to be over the minimum amount required—and we were advised that it is not a good idea to give them more than one account—as this will just cause them to request more justifications for deposits, etc. Also, we just printed out our account statements ourselves, and these were accepted.”
“You MAY be able to sell an equity—but its value changes moment to moment. From time to time, stocks or bonds become worthless (as in when a company goes bankrupt)… So they are not reliable.”
“This was a while ago, but we submitted 6 months of bank statements and the summary page of our investment portfolio, just to seal the deal. This was New York City Consulate in 2023. Probably changed by now.”
“We just submitted some, that showed enough funds. UK to Spain 2024 and just renewed too. Murcia region.”
“My funds are in a cash ISA well over the required but it’s an internet-based bank so I can’t get the statements stamped. Would this be a problem?”
“We supplied Chip financial online statements which were accepted, but if it’s online, you don’t have a choice”
Conclusion
According to the Spainguru community, you do not need to submit all of your bank accounts for the Spain non lucrative visa—only those that clearly meet or exceed the financial requirement.
However, it’s advisable to show the source of funds, and some applicants voluntarily included more documentation (such as 6 or even 12 months of statements) for added transparency.
While stamped bank statements are preferred, many online banks may not offer this option, and in most cases, printed PDFs were accepted. Investment accounts are not generally accepted as reliable proof due to their fluctuating value.
Showing just enough, from liquid and accessible sources, is typically sufficient—especially if the documentation is clear and well-organized.
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Make sure to join our dedicated Spanish Non Lucrative Visa group here!
