Spain Golden Visa 2025: The €1 million bank deposit option at a glance
Many of our Golden Visa clients are looking for truly passive investments, while still maintaining liquidity. For these clients, getting a Spanish Golden Visa via the €1 million bank deposit option frequently seem like a no-brainer.
Yet while this option offers liquidity, the opportunity costs can be significant:
The €1 million deposit has to be maintained throughout the entire residency period (10 years, unless you’re from an Ibero-American country, in which case it’s only 2 years).
Note: It is also important to understand that this deposit cannot be made into a regular savings checking account. A special type of deposit account must be used, and for this option we generally work with private banks. The financial institution needs to be able to provide the correct certificate format, and so it’s not about showing a monthly statement from a savings account.
Add to that the fact there is a high level of systemic risk in the global banking system today, and the bank deposit option no longer seems like the obvious answer.
This is where our proprietary financed Commercial Property Golden Visa option can help. While the minimum property investment required to obtain the Spanish Golden Visa is €500,000, whether you’re buying residential and commercial, our product offers a 10-year up-front yield at 3% per year.
This reduces your effective capital outlay to just €350,000, which significantly reduces opportunity costs, whilst also offering a meaningful return on investment.
Backed by a high-earning commercial property asset, and with all maintenance and management costs included, this option convincingly ticks the boxes for being fully passive, and offering unrivalled peace of mind.
Let’s take a quick look at the key pros and cons for all the program options below…
Are you considering the bank deposit option because you’re not keen on buying residential property to get Spain’s Golden Visa? Discover our proprietary Commercial Golden Visa offering – with an effective capital outlay of just €350,000 (€150,000 yield paid up-front)…
Here’s the deal:
- Radically lower opportunity cost than the bank deposit option)
- Guaranteed ROI @ 3% p.a. paid up-front
- Save up to 85% on your transfer costs by choosing commercial (€7.5K or €12.5K vs €50K on €500K)
- Minimum hold period: 10 years
- Early exit possible after 5 years (subject to penalties).
Contact us now for more information, or find out more below…
Pros and cons of the various program options
| Program Options | €1 Million Bank Deposit | €500,000 Residential Property | €500,000 Commercial Property | €350,000 Our Commercial Property | €1 Million Stocks | €2 Million Government Bonds |
|---|---|---|---|---|---|---|
| PROS | High liquidity; Passive investment; Fast application process. | Hard asset; Second home or rental income stream; Can appreciate in value. | Hard asset; Passive rental income stream; Can appreciate in value; Significantly lower acquisition costs (see comparison table below). | Hard asset; Passive rental income stream; Can appreciate in value; Significantly lower acquisition costs. | High liquidity; Passive investment; Can appreciate in value; Fast application process. | Safest option; High liquidity; Passive investment; Fast application process. |
| CONS | Low/no interest (given Europe’s low interest rates. | Ongoing Maintenance and management costs; Potential illegal occupation risks; | You can’t use these properties as a second home. | You can’t use these properties as a second home. | Market risks | Low/no interest = high opportunity cost |
Benefits Of The Spanish Golden Visa Program
Own The Ultimate Lifestyle
Spain is renowned for its superb weather, safety, relaxed pace, quality of life, and exceptional affordability. And all of this could be yours in 2024…
Exceptionally Fast Approvals
Obtain your Golden Visa in just 2-3 months: By law, all Spanish Consulates must respond to Golden Visa applications within a maximum period of 21 days.
Strategic Diversification Play
Diversify your property holdings by gaining exposure to one of Europe’s top-performing economies… Whilst also diversifying where you and your family can live – fast.
A Highly Stable Program
Unlike Portugal, which has experienced significant ructions and uncertainty in the past year, Spain’s Golden Visa program is stable, locally supported, and uncontested politically.
No Processing Delays
Unlike Portugal – and more recently, Greece given a spike in its application volumes – Spain does not have any Golden Visa processing backlogs. Hence application timelines remain reliably short.
The Perfect Plan B
Live, study, work or retire anywhere in Spain – without the obligation to spend any time there unless you choose to… And extend the same benefits to your family.
Clear Path To Citizenship
You can apply for citizenship after holding your Spanish Golden Visa residency status for 10 years – or after just two years of residency, if you hail from Spanish-speaking Latin America, Cuba, Puerto Rico or the Philippines.
Any Property In Spain
You can qualify for the Spanish Golden Visa by buying either residential real estate, commercial property, or land to the value of €500,000+. And the property can be situated anywhere in Spain, including in the Spanish islands.
Russians (Still) Eligible To Apply
Unlike with most of the other EU Golden Visa programs, Russians and citizens of Belarus are still eligible to apply for the Spanish Golden Visa – provided their funds are already held outside of Russia.
Residential Real Estate vs
Our Commercial Property Offering
Our Commercial Property Offering
Understanding the pros and cons…
| CONSIDERATIONS | RESIDENTIAL PROPERTY | OUR COMMERCIAL PROPERTY OFFERING |
|---|---|---|
| Minimum Effective Capital Outlay | €500,000 | €350,000 (10-Year yield @ 3% paid upfront: €150,000) |
| Base Property Transfer Cost Barcelona | 10% (€50,000+) | 2.5% (€12,500+) |
| Base Property Transfer Cost Madrid | 6% (350,000+) | 1.5% (€7,500+) |
| Projected Yield | Variable (if rented at all) | 3% Guaranteed |
| Minimum Hold Period (To Renew Temporary Residency) | 5 Years + | 10 Years + (early exit possible subject to penalties) |
| Illegal Occupation Risks | Higher | Lower |
| Ongoing Maintenance Costs | Variable – paid by owner | N/A – maintenance costs included |
Why Choose To Work With Us?
Proven Track Record
Established in 2013, we’ve assisted over 680 applicants from around the world obtain their Spanish Golden Visas with ease.
Skip The Middleman
Based in Barcelona and Madrid, we’re a full-service, backbone Golden Visa supplier. By choosing us, you don’t have to deal with foreign resellers and pay them extra in the process.
Serving, Not Selling
We’re here to make sure your Golden Visa journey is smooth, successful and predictable in 2024 – NOT to sell you options you don’t need.
First-Hand Experience
Several of our team members have undergone the Spanish immigration process – including through the Spanish Golden Visa Program.
The Fast-Track Citizenship Pros
Are you from Argentina, Brazil, Chile, Peru, Venezuela, the Philippines or another former Spanish territory? You can obtain citizenship after just two years of residency.
Full-Service Real Estate Experts
Whether you’re looking for that dream holiday home, primary residence or a plug-and-play commercial solution, our real estate experts can help you find the perfect match.
The Spanish Golden Visa is going away soon… Contact us today to get your application started in time.