Spain Expat Guide: Everything You Need to Know

ExpatInsure has teamed up with specialists from around the world to bring you practical, up to date information on what it takes to settle well in your new expat location. These guides are reviewed and updated regularly, so it's worth bookmarking this page and checking back as your move progresses.

Country Facts for Spain

Spain, with its vibrant culture, rich history, and diverse landscapes, is a country that captures the essence of southern Europe. From its bustling cities to serene coastal towns and historic landmarks, Spain offers a unique blend of tradition and modernity. The following facts provide insight into various facets of Spain, including its geography, population, economy, and cultural heritage.

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Population and Demographics

Population: Spain’s population is around 47 million people, making it one of the largest countries in Europe by inhabitants.

Language: Spanish (Castilian) is the official national language, with regional languages like Catalan, Basque, and Galician also recognised in their respective areas.

Geography

Total Area: Spain covers approximately 505,990 square kilometres, making it one of the larger countries in Western Europe by land area.

Mainland and Islands: besides its vast mainland, Spain includes several island groups such as the Balearic Islands in the Mediterranean and the Canary Islands in the Atlantic Ocean. These islands contribute to Spain’s geographic and cultural diversity, featuring distinct landscapes and climates that add to the nation’s overall appeal.

How to Get to Spain

Air travel is the most common and efficient method for reaching Spain, especially for those coming from outside Europe. Spain has several international airports, with Madrid-Barajas Adolfo Suarez Airport and Barcelona-El Prat being the largest and busiest, offering flights to and from destinations worldwide. Other significant airports include Malaga-Costa del Sol, Alicante-Elche, and Palma de Mallorca, serving as key gateways to Spain’s popular coastal regions.

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Air Travel

Airlines operating in Spain range from full-service carriers offering long-haul flights to budget airlines providing affordable connections within Europe. This variety helps ensure that travellers can find flights that match their budget and preferences.

Train Travel

For travellers within Europe, Spain’s extensive high-speed rail network presents a fast and scenic alternative to flying. The AVE (Alta Velocidad Espanola) trains connect major Spanish cities at high speed, making journeys like Madrid to Barcelona or Seville both quick and comfortable. International connections are also available, such as the direct TGV service from Paris to Barcelona, allowing travellers to transition smoothly from the heart of France to the Spanish Mediterranean coast.

Bus and Coach Travel

Long-distance buses and coaches offer an economical way to reach Spain from neighbouring countries. Companies like ALSA and Eurolines operate extensive routes that connect Spanish cities with Portugal, France, and beyond. While bus travel is generally slower than flying or high-speed trains, it offers competitive pricing and access to destinations that may not be directly served by rail or air.

Financial Services in Spain

Moving to Spain, a land of vibrant culture, sun-kissed beaches, and rich history, is a dream for many expats. Alongside the excitement comes the practical reality of navigating a new financial system. This section aims to equip you with the knowledge and resources to confidently manage your finances in Spain.

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Opening a Bank Account

Having a Spanish bank account is crucial for receiving salaries, paying bills, and managing everyday expenses. Major banks like Santander, BBVA, and CaixaBank offer various accounts tailored to expats, often with English-speaking staff. It’s worth researching fees, minimum balances, and online banking capabilities before choosing.

Taxes and Residency

Your tax obligations depend on your residency status. Registering as a resident (residente) comes with tax implications on worldwide income, while non-residents only pay tax on Spanish-sourced income. It’s worth seeking professional advice to understand your specific tax situation.

Currency Exchange

While Spain uses the Euro, converting your home currency can incur fees. It’s worth considering multi-currency accounts, international money transfers, or comparing exchange rates across providers.

Housing in Spain

Spain, with its warm climate, rich history, and diverse landscapes, is a prime destination for expats. Whether you’re looking to buy or rent, understanding the Spanish real estate market and insurance requirements is crucial for a smooth experience.

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Understanding the Spanish Real Estate Market

The Spanish property market offers a variety of choices, from coastal villas to urban apartments and rural fincas.

  1. Researching Locations: consider factors like lifestyle, climate, accessibility, and local amenities. Popular areas for expats include Costa del Sol, Costa Blanca, and major cities like Barcelona and Madrid.
  2. Types of Properties: Spain’s property market is diverse. Your choice will depend on your preferences, budget, and whether you seek a permanent residence or a holiday home.
  3. Market Dynamics: property values in Spain can fluctuate based on economic factors and regional demand, so it’s worth staying informed about local market trends.

Education in Spain

Spain offers a diverse and enriching educational landscape, attracting expat families and students with its blend of historical tradition and modernity. Understanding the Spanish education system and higher education opportunities is key for expats planning their move.

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Understanding the Spanish Schooling System

  1. Public, Private, and Concertado Schools: Spain offers public schools, which are free, private schools, and semi-private “concertado” schools. Concertado schools are subsidised private schools, often with religious affiliations.
  2. Structure of the Education System: compulsory education (Educacion Obligatoria) in Spain runs from age 6 to 16, including primary education (Educacion Primaria) and compulsory secondary education (Educacion Secundaria Obligatoria, or ESO). Post-ESO options include Bachillerato for university preparation or vocational training.
  3. International Schools: these schools cater to expat children, offering international curricula like the International Baccalaureate (IB) or curricula from different countries, usually teaching in English or other languages.
  4. Integration in Spanish Schools: public and concertado schools provide an opportunity for expat children to integrate into Spanish culture and language.

Visas in Spain

Understanding the visa process is a fundamental step for expats planning to move to Spain. Spain offers a variety of visa types catering to different purposes such as work, study, investment, and family reunification.

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investment, and family reunification.

Understanding Different Types of Spanish Visas

  1. Short-Stay Schengen Visas: for stays up to 90 days within a 180-day period. These include tourist, business, and transit visas.
  2. Long-Stay National Visas: required for stays longer than 90 days. Types include student visas, work visas, non-lucrative visas, and family reunification visas.
  3. Golden Visa: for non-EU nationals making a significant investment in Spain, such as purchasing real estate, making a financial investment, or starting a business.
  4. Special Visas: including retirement visas and visas for research, training, or volunteer work.

International Health Insurance in Spain

Planning your move to Spain includes making sure your healthcare is covered from day one. ExpatInsure can help you find the right international health insurance plan for your life in Spain. Visit our Spain international health insurance page to explore your options.