Moving to Spain? A Complete Guide for Expats

Moving to Spain is an exciting adventure, but it also comes with important steps to ensure a smooth transition. Whether you're relocating for work, study, or a fresh start, understanding essential aspects like visas, banking, healthcare, and housing will help you settle in quickly. Here’s your complete guide to moving to Spain as an expat.

18 March 2025
Woman in a hat overlooking a cityscape with rooftops and a bell tower in the distance.
Woman in a hat overlooking a cityscape with rooftops and a bell tower in the distance.

1. Understanding Life in Spain

Before your move, take time to learn about Spanish culture, customs, and daily life. While many people in big cities speak English, Spanish is the official language, and knowing a few basic phrases can make daily interactions easier—sometimes, a simple “hola” goes a long way.

Adjusting to Spanish work culture is also important. Many businesses have long lunch breaks, and dinner is usually eaten late in the evening. Adapting to these traditions will help you integrate more smoothly into local life.

2. Sorting Out Your Visa and Residency

Your visa requirements depend on your nationality. Non-EU citizens need to check visa requirements well in advance. Once you arrive in Spain, you’ll need to register with local authorities and apply for a Tarjeta de Residencia (residency card).

The application process can take time, so keep all required documents organized. You can also seek help from expat groups or legal advisors to navigate Spanish bureaucracy more easily.

3. Finding Accommodation in Spain

Spain offers a variety of housing options, from city-center apartments to beachfront homes. Popular property websites like Idealista and Fotocasa can help you browse rental listings. Consider visiting potential neighborhoods in person and checking factors like proximity to work, public transport, and amenities before signing a lease.

Most landlords require a Spanish bank account to handle rent payments. With bunq, you can set up a local Bank Account in just 5 minutes, even before arriving in Spain. With a Spanish IBAN, this makes securing your rental deposit and managing payments hassle-free.

4. Setting Up Your Finances with bunq

Opening a Spanish Bank Account is one of the first things you should do. With bunq, you can:

  • Open a fully operational European bank account in 5 minutes, with no paperwork or branch visits.

  • Use ZeroFX to exchange currencies at real exchange rates, perfect for sending or receiving money internationally.

  • Create multiple Bank Accounts for budgeting your rent, bills, and savings.

  • Get Instant Notifications for every transaction, helping you track your spending in real-time.

With a bunq account, managing your finances in Spain becomes effortless, giving you more time to explore your new home.

5. Understanding Spain’s Healthcare System

Spain has a high-quality public healthcare system, but you must register at your local Centro de Salud to get a Tarjeta Sanitaria (health card).

Many expats also choose private health insurance for faster access to specialists and additional coverage. Researching your options before arriving will help you make the best choice for your needs.

6. Navigating Transportation in Spain

Spain has an extensive public transport system, including buses, metros, and trains. In cities like Madrid and Barcelona, a monthly transport card can save you money on commuting.

If you plan to drive, check whether your current driver’s license is valid in Spain or if you need to exchange it for a Spanish one.

7. Embracing the Culture and Lifestyle

One of the best parts of moving to Spain is experiencing its vibrant culture. From indulging in paella and tapas to celebrating La Tomatina and Feria de Abril, immersing yourself in local traditions will make your transition more enjoyable. Joining expat communities and language exchange meetups can also help you make new friends and feel more at home.

Final Thoughts

Moving to Spain is a life-changing experience that comes with both excitement and challenges. By understanding the essentials—from securing your visa to managing your finances with bunq—you can ensure a stress-free transition. With the right preparation, you’ll be well on your way to embracing everything Spain has to offer.

Are you ready to move to Spain? Open your bunq account today and start your new adventure with ease!

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Find your perfect fit

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bunq Free

Free

The essentials to get you started.

Green diamond with a sparkle on the top-right, representing premium or elite status feature.

bunq Core

€3.99/month

The bank account for everyday use.  

Dark blue diamond icon with two sparkles, indicating an upgraded or polished premium feature.

bunq Pro

€9.99/month

The bank account that makes budgeting easy.

Magenta diamond icon with multiple sparkles, conveying luxury or excellence.

bunq Elite

€18.99/month

The bank account designed for your international lifestyle.

Find your perfect fit

Simple blue diamond icon on a dark background, symbolizing premium or high-value service.

bunq Free

Free

The essentials to get you started.

Green diamond with a sparkle on the top-right, representing premium or elite status feature.

bunq Core

€3.99/month

The bank account for everyday use.  

Dark blue diamond icon with two sparkles, indicating an upgraded or polished premium feature.

bunq Pro

€9.99/month

The bank account that makes budgeting easy.

Magenta diamond icon with multiple sparkles, conveying luxury or excellence.

bunq Elite

€18.99/month

The bank account designed for your international lifestyle.