Thanks to the prevalence of the COVID-19 crisis, many people have temporarily talking about Brexit. But we are now more than halfway through the transition period of the Withdrawal Agreement, and for those Britons either already living in Spain, or thinking of moving to Spain, there are still many unanswered questions. How will Brexit impact those Brits currently living in Spain, travelling to Spain regularly to stay in their holiday home, letting holiday homes, or planning to move to Spain in the future? What do we know, and what don’t we know yet?
Here we will outline exactly what you need to know about living in Spain after Brexit, and how the shift may (or may not) impact on your way of life:
A Note on : Taking Holidays to Spain
Regardless of how you feel about Britain’s decision to leave the European Union, on 31st January 2021 it will happen. And for the vast majority of British people this will have very little impact on their visits to wider Europe. If you are a British person who spends your holidays in Spain, or otherwise visits the country for short periods of time then very little will change about the way you enter or exit the EU: if you spend less than 90 days in Spain over the course of 6 months then you will not be impacted by entrance or exit visa requirements and you can continue to enjoy your holidays as you always have.
This same rule applies to individuals who own second homes in Spain, but only visit for relatively short periods of time. Provided you spend less than 90 days in Spain in each 180 day period, you will still be able to enter and leave the country as you always have, without any extra paperwork.
When you are clearing immigration at your Spanish arrival airport you will need to enter the non-EU passengers queue rather than the passengers arriving from the EU line, and it is recommended that you ensure you have robust medical travel insurance (this has always been the recommendation, although many travellers chose to ignore this advice). Otherwise, you will experience very little change.
If you are living in Spain though, or spending longer than 90 days in each 6 month period in the country, then you are likely to experience some dramatic changes, and these will be the focus of this piece.
Many British ex pats living in Spain are concerned about how their rights in the country will be affected after the Withdrawal Process is complete. Will they suddenly become second class citizens in the country that they call home? During the Transition Period (which lasts until 31st December) nothing will change and all of your existing rights are protected. After this transition period the Withdrawal Agreement will come into force, and this serves to protect many of the rights of British people living in Spain. This includes, but is not limited to:
Note: It is important to note that you will only be eligible for these rights under the Withdrawal Agreement if you are registered as a Spanish resident by the end of 2020. Therefore, if you are living in Spain and haven’t already done so, it is very important to begin the process of applying for Spanish residency as soon as possible.
It has recently been announced that UK citizens registering as residents in Spain will now be issued with a TIE residence card. Formally known as the “Tarjeta de Identidad de Extranjero” card, this is an identity card that is currently issued to non-EU residents of Spain, and soon that list of non-EU residents will include residents from the UK. It is worth noting, however, that the card that is issued to Britons will be slightly different to the one that is issued to other third country nationals. Britons will have an easier route to residency than those residents of other third party countries, for example.
Whether or not you will need to apply for a TIE card will depend on your current residential status. Not every Briton will need to have a TIE card in place by the end of the year. If you are already in possession of a green card (either an A4 green residency certificate or a small green residency card) then obtaining a TIE card will be optional, at least initially. Hugh Elliot, the British Ambassador to Spain, confirmed this, saying “Whilst you may choose to change your current certificate for a TIE at some point in the future, there is no requirement to do so”.
If you are currently residing in Spain but don’t have a green card, or any kind of residency status, you will now be required to register for a TIE in order to secure residency and obtain any of the benefits offered by the Withdrawal Agreement. You can’t now apply for a green card instead, and will be expected to go down the TIE card route instead. This isn’t a negative! The TIE card is smaller and plastic rather than paper, making it easy to carry with you at all times, enabling it to serve as photo ID. It will be valid for either 5 years or 10 years. However, there is currently a long wait to obtain an appointment to apply and register for your TIE card, due to a backlog of applicants. This means that many Britons who haven’t already started the application process may be concerned that they won’t secure their residency in time. If you are concerned you won’t get an appointment before the 31st December deadline then we suggest that you call your local Migration office: the Spanish government have not yet issued an official statement on what will happen in this situation.
If you have secured an appointment to complete your TIE card application, then here is a list of the documentation you will need to take along with you:
Many expats are talking very seriously about taking Spanish citizenship as a route to remain in the country. It’s easy to understand why, as citizenship will give you the most secure route to remain. But it is important to note that citizenship and residency are very different propositions with very different routes of access. As a Spanish resident, you remain a British citizen, and retain all of the benefits and sense of national identity that come with this. As a Spanish citizen you give up your British identity and instead declare your loyalty to Spain; this then gives you all of the same rights in the country as any citizen who have been resident in Spain since birth.
Becoming a Spanish citizen is an obvious route to ensuring that your rights to remain in the country after Brexit are secured, but the road to Spanish citizenship isn’t always a smooth one, and you must fulfill some very strict criteria before you are able to even begin submitting a citizenship application:
There are exceptions to the ten year wait before you can apply for citizenship, but these generally apply to individuals with familial ties to the country. Those exceptions are:
The Spanish citizenship application is a vigorous one, but its main benefit is that, as a Spanish citizen, you would not be impacted by any law or policy changes focusing on ex pats once the Brexit process is complete.
Spain is a country famed for its Mediterranean good health, with life expectancy in the country higher than many other EU countries (including the UK) and more people reporting that they are in good health (two out of three Spanish people believe they are in good health, compared to three out of four British people). It also has one of the best healthcare systems in the world, and the hospital and healthcare facilities in the Costa del Sol are a blend of world class private and public facilities. There is already a huge number of multi-lingual medical professionals living and working in the region, and translators are available if needed in many of the local hospitals: this is unlikely to change as a result of Brexit.
What may well change is how you pay for your healthcare, or whether any access to free healthcare is available. As an EU member state, visitors from the UK to Spain are currently entitled to the same level of free healthcare as local citizens, thanks to reciprocal EU agreements. Using an EHIC card (which can be obtained for free from the British Government), access to public doctors visits, hospital stays and tests are all free. Prescriptions are charged for, depending on your income level, as is dentistry and eye care. The EHIC remains valid during the transition period until 31st December 2020. After this date, we still don’t know what will happen to reciprocal healthcare provisions between Spain and the UK.
The UK government has said it is "seeking agreements with countries on health care arrangements for UK nationals". And on a positive note, these reciprocal agreements already exist with countries such as Australia and New Zealand, allowing UK visitors to receive urgent treatment at either a reduced cost or for free. It is likely that a reciprocal agreement of some kind will be established with Spain, because tourism from the UK is such as significant part of their economy, but we can’t yet guess what that will look like.
What we do know is that if you require a visa to enter Spain and become a resident, then it is likely that you will need to have comprehensive health insurance cover as a term of this visa: this is the case for all visa types currently issued by the Spanish government. Therefore, if you are looking to live in Spain in the long term, we recommend that you factor the cost of health insurance premiums into your financial planning, rather than plan for the unknown of reciprocal agreements that don’t yet exist. Many families in Spain have health insurance policies as standard, and this will provide you with the best level of peace of mind to protect your health in the long term. Wondering how much this will cost you? As a ballpark figure, in Europe an insurance company will charge €200-300 for an individual in his 50s, €500 per month for a young family of four, or 800 per month for a retired couple. If you have a chronic condition, however, such as diabetes or high blood pressure, you can expect to pay considerably more.
When you are living overseas, regardless of whether you choose to live in Spain or not, the strength of both your savings and your pensions in the UK are closely linked to the strength of the pound. This is because, in the vast majority of cases, you will receive your pension payments in pounds and then rely on currency conversion to spend them in Spain. The impact of Brexit on the strength of the pound cannot yet be established: we won’t know exactly how the markets will react to the split until it happens. But based on forecasting, it is good news for ex pats living in Spain: after initial fluctuations, experts believe that Brexit will actually have a negligible impact on the strength of the pound. This is because of the amount of time it has taken for the deal to take place, which has given the notoriously risk adverse market the time that it needed to stabalise.
So, what does this mean for retirees currently living in Spain, and how can they protect their pensions? In short, if you already live in Spain or plan to move to Spain before the transition period is complete on 31st December 2020 then you are unlikely to experience any negative changes to your current status quo. The withdrawal agreement clearly states that both current ex pats and ex pats moving to Spain during the transition period “won’t be disadvantaged in their access to pensions, benefits, and other forms of social security”. These ex pats, known by the British government as the “Protected cohort”, will also continue to receive the statutory annual increment on State Pensions that all UK pensioners receive, meaning that they will not be negatively financially penalised for choosing to move to Spain whilst the UK was part of the EU. What still remains unknown is whether the same protection will be offered to potential retirees outside of this protected cohort: anyone who chooses to move to Spain after December 2020. Whilst we can hope that reciprocal agreements will be put in place, this is still one of the great unknowns of Brexit for expats right now, as it is still on the negotiating table and no agreement has been reached.
Britain is a nation of animal lovers, so it’s likely that if you’re thinking of moving to Spain then you’d like to bring your four-legged friend with you. Before Brexit this was possible under the EU pet passport scheme. In positive news for pet owners, after the brexit transition period is complete, it is likely that you will still be able to bring your pets with you when you move. This is because the UK is a Rabies-free country, and so experts forecast that it is likely to be regarded as a ‘third country’ that is given the same access to the EU pet passport scheme as EU nations. This applies to dogs, cats and ferrets but is unlikely to apply to other animals.
Whilst we can all feel confident and relied that, if we are currently living and working in Spain, our residency seems to be assured after the end of the withdrawal period, it is important to note that so much of Brexit’s impact still remains unknown. What steps Brits who want to move to Spain after 31 December 20 will have to take is still unclear, for example.
What is important is that if you are a British citizen and you do live in Spain right now then you should apply for a long-term residence permit sooner rather than later. Securing this essential document can take a while and has never been a requirement of living in Spain before. But unless you have one, it could be hard for you to re-enter Spain after you return to the United Kingdom for a visit. This will also enable you to secure your already established rights as a Spanish resident
Are you thinking of moving to Spain, either before or after the Brexit transition period is complete? Looking for the perfect house for your whole family to call home, or a retirement bolt hole? We’re ready to help turn your dream home into a reality. We have extensive experience helping UK movers to find their perfect Spanish home, and we want to help you too. Why not get in touch with our local team of property experts today.
Refer a friend to Right Casa and
receive a token of our gratitude!
Word of mouth, and recommendations amongst friends and family are still the most effective forms of marketing.
So if you believe your friends and family could benefit from our property services in Spain, why not recommended them via our Client Referral Programme?
Each successful referral could receive one of the following gifts:
Gifts Offered Include....