Spain has established itself as one of the favorite destinations for digital nomads. Its climate, connectivity, gastronomy, and quality of life make the country a perfect place for those who work remotely. However, settling legally involves more than just a visa: you need to arrange medical insurance, meet tax obligations, and keep your finances under control.
In this Orience guide, we cover everything you need to know to settle in Spain as a digital nomad without complications and in compliance with current regulations.
Do I need medical insurance to live in Spain as a digital nomad?
Yes. Having private medical insurance is one of the essential requirements to apply for a digital nomad visa in Spain. This insurance must:
- Cover your entire stay in Spanish territory.
- Have no co-payments (it must be a comprehensive insurance without deductibles).
- Be issued by a company authorized to operate in Spain.
Medical insurance options for digital nomads
- Spanish private insurance: Companies like Adeslas, Sanitas, Asisa, or DKV offer policies specifically for foreigners.
- International insurance: Some international companies such as Cigna Global or Allianz Worldwide are accepted, if they meet the legal requirements.
Orience advises you in choosing the policy that best suits your needs and immigration requirements.
What are my tax obligations as a digital nomad in Spain?
Tax residency depends on the length of your stay and the source of your income. Spain considers as a tax resident anyone who spends more than 183 days per year in its territory or has in the country the main center of their economic activities or vital interests.
What does being a tax resident in Spain mean?
- Income tax return: You must declare all your worldwide income.
- Form 720: Mandatory declaration of assets and bank accounts abroad if they exceed €50,000.
- Social Security contributions: In some cases, you must register as self-employed.
Exceptions and international agreements
Spain has agreements to avoid double taxation with many countries. This means you will not pay taxes twice on the same income, but you must provide proper documentation to justify it. Orience can help you interpret them correctly.
What is the digital nomad tax regime?
Since 2023, Spain has a special tax regime for international remote workers. This system, known as the “Startups Law,” allows certain digital nomads to be taxed at a reduced rate for the first years.
Advantages of the special regime
- Flat tax rate of 24% for income up to €600,000 per year.
- No need to pay taxes on foreign income earned outside Spain.
- Not considered a full tax resident for all purposes during the first five years.
Orience can help you determine if you meet the requirements and register under this regime safely.
How to organize your finances as a digital nomad?
Properly planning your financial situation is key to enjoying your life in Spain without surprises. Here are some practical tips:
1. Keep separate bank accounts
Have a local account for your daily expenses and another international account for your foreign currency income. This will make accounting and tax compliance easier.
2. Hire a tax advisor
The Spanish tax system can be complex. A local advisor, like those who work with Orience, can help you optimize your tax returns and comply with your legal obligations.
3. Set a tax calendar
Spain has multiple key dates: personal income tax in June, Form 720 in March, quarterly installment payments… Plan ahead to avoid penalties.
Why work with Orience?
Orience not only manages your digital nomad visa: we guide you through the entire legal and financial adaptation process. Our services include:
- Selection of medical insurance approved by immigration authorities.
- International tax advice and tax filing.
- Financial optimization and opening of bank accounts in Spain.
- Legal immigration consulting for you and your family.
With Orience, working from Spain will be as smooth as connecting to your favorite coffee shop’s WiFi.
Frequently Asked Questions
Do I need to register as self-employed if I work for foreign clients?
Not always. It will depend on your income level, your tax residency, and whether your clients are in Spain. Orience can analyze your case.
Can I use health insurance from my home country?
In most cases, no. Immigration authorities require medical insurance that operates in Spain, without co-payments, and with full coverage. Orience can help you obtain the right one.
Can I keep paying taxes only in my country if I live in Spain?
Only if you stay less than 183 days in Spain and do not earn income in the country. Otherwise, you must pay taxes in Spain or rely on international agreements.
What happens if I do not declare my income as a digital nomad?
You could face fines, late payment interest, or even tax inspections. It is best to regularize your situation with professional help.
Can I take out an international medical insurance valid in Spain?
Yes, but it must meet certain legal requirements. Not all international insurance policies are accepted by immigration authorities. Orience helps you choose the right one.
Conclusion
Living and working in Spain as a digital nomad offers unique opportunities, but also requires legal and financial planning. From the right medical insurance to proper tax filing, each step is key to your peace of mind.
Orience offers you a comprehensive solution: from processing your visa to optimizing your taxes and finances. Ready to start? Book a free consultation and begin your new life in Spain without complications.