If you’ve never worked in Spain or haven’t paid enough social security fees into the system before retiring, it’s still possible to get a Spanish pension. Here are the requirements for a non-contributory pension, how much you get and how to claim it.
If you’re living in Spain and of a certain age, you may be wondering about claiming a pension.
The minimum number of years you must have worked in Spain (the minimum period of social security contributions) before you can retire and access a state pension in Spain is 15 years.
To claim a full Spanish pension, you must have worked and contributed for at least 36 years, although this figure will increase to 37 years by 2027.
But what if you’ve never worked in Spain or haven’t reached the minimum 15 years of contributions? Can you still claim something?
Yes, there are options available to older people in need of financial assistance, even if they aren’t Spanish nationals and even if they haven’t worked in Spain.
But who is eligible for this type of pension in Spain, how much is it worth, and how do you apply?
What’s a non-contributory pension in Spain?
Non-contributory pensions (pensiones no contributivas) are for people ineligible for the normal contribution-based Spanish pension.
In other words, those who haven’t worked at all or enough in Spain to get a full pension, and can demonstrate they do not have sufficient income to support themselves once they’ve reached retirement age.
If that’s you, you may be entitled to a basic pension available through a non-contributory system. In other words, you aren’t expected to have paid into the pot, instead it’s a means-tested system which depends on your income.
This is available to all Spanish citizens aged over 65 who earned below a certain level.
Foreign residents can also claim if they have lived in Spain for at least 10 years, from the age of 16 until retirement age, including the two years prior to making a claim. They’ll also have to meet all other requirements.
As this is a means-tested pension, other income streams such as savings and family or partner income are also factored in when you apply.
How much is Spain’s non-contributory pension?
Like normal contributory pensions, in Spain non-contributory pensions are tied to inflation and the Consumer Price Index (CPI), to ensure older people don’t lose any purchasing power.
In 2026 the government agreed to increase in the annual amount of non-contributory pensions by 11.4 percent.
The general non-contributory pension rate in Spain in 2026 is:
- €628.80 per month across 14 payments or €8,803.20 per year.
If two beneficiaries of non-contributory pensions live at the same address, the individual amount for each one is:
- €543.48 per month or €7,482.72 per year.
Beneficiaries
If you live with another pensioner claiming a non-contributory pension, the amount for each claim would decreases slightly: each pension would be €543.48 per month or €7,482.72 per year, and for households with three or more claimants, the payout would be €503.04 or €7,042.56 per year.
Claimants with a disability level of 75 percent or higher can receive a supplement of 50 percent, raising the annual amount to €13,204.80 (€943.20 per month).
Eligibility
Are you eligible to claim a non-contributory pension in Spain? In order to claim, you must be:
- At least 65 years old.
- Be a resident in Spain for a minimum of 10 years.
- Of those 10 years, at least two of them must have been consecutive and in the years immediately before making your application.
- Have a disability or chronic illness at a level equal to or greater than 65 percent.
- Able to demonstrate that your annual financial income is less than:
- €8,803.20 per year if you live alone
- €14,965.44 per year for two people
- €21,127.68 for three people
- €27,289.92 for four or more people.
These are the rates if you live with either parents or children. In the case you’re not related as ascendents or descendants, the income thresholds are slightly more: €37,413.60 per year for two people; €52,819.20 per year for three people and €68,224.80 per year for four or more people.
How do I apply?
As with many things in Spain, responsibility for pension schemes has been delegated to Spain’s autonomous communities from the Instituto de Mayores y Servicios Sociales (IMSERSO). Each region is responsible for managing and awarding its non-contributory pension claims.
You can access application forms on the government pensions website, and the Spanish government’s Instituto de Mayores y Servicios Sociales has a very useful tool with all the addresses and contact details for each office broken down by region and province here.
Documents
You will need to provide the following documents along with your application:
- ID
- Valid NIE or TIE
- Proof that you meet the eligibility requirements
- Tax ID number of the card
- Marriage certificate, if necessary
- Identity documents of any spouse or relatives over the age of 14 that live with the applicant.
