Spain Self-Employed Visa 2026: Complete Guide for Freelancers & Entrepreneurs
The Spain Self-Employed Visa (Autorización de Residencia y Trabajo por Cuenta Propia) allows non-EU nationals to live and work in Spain as freelancers, business owners, or self-employed professionals. This is a popular route for entrepreneurs, consultants, and digital professionals. Elena Mochales (ICAM C69993) assists self-employed visa applicants from Madrid.
Requirements 2026
- Viable business plan (Plan de Negocio): Detailed description of the business activity, market analysis, financial projections (2-3 years), and expected job creation if applicable
- Professional qualifications: University degree, professional certifications, or proven experience in the field
- Sufficient investment: Demonstrable funds to launch and sustain the business (approximately €15,000-€25,000 minimum, though formally no fixed amount)
- Licences and permits: Any required municipal licences (licencia de apertura) or professional association membership (colegiación) for regulated professions
- Financial means: 100% IPREM (€600/month) for the applicant, plus additional for family members
- Health insurance: Full private coverage in Spain
- Criminal record certificate: Apostilled and translated
Social Security Registration (RETA)
Upon approval, you must register with the Régimen Especial de Trabajadores Autónomos (RETA). The 2026 monthly flat rate for new autónomos in Madrid is approximately €86/month for the first 12 months, then gradually increasing. Standard rate after reductions: approximately €300-€350/month.
Tax Obligations
- Quarterly IRPF: 20% of net income, filed via Modelo 130
- Quarterly IVA (VAT): 21% on invoices, filed via Modelo 303
- Annual IRPF: Progressive scale (19%-47%) on worldwide income if tax resident
- Annual summary: Modelo 390 (annual VAT) and Modelo 100 (income tax return)
FAQs
Can I combine this with the Digital Nomad Visa?
The Digital Nomad Visa is generally more advantageous for remote workers, as it offers the Beckham Law tax benefit. The Cuenta Propia visa is better suited for those whose primary clients or business are based in Spain. Elena Mochales evaluates each case to recommend the optimal visa category.
Contact Elena Mochales for self-employed visa guidance in Madrid.
This content is for informational purposes only and does not constitute legal advice. Each case is unique. Consult with a qualified immigration lawyer for advice tailored to your situation.
