What is Spain's Golden Visa and who qualifies?

The Spanish Golden Visa grants residency to non-EU nationals who make a qualifying investment in Spain. The most common route is a minimum €500,000 real estate investment. It gives 2-year initial residency, renewable for 5 years, and includes your immediate family. There is no minimum stay requirement.

Is the initial consultation free?

Yes. All initial consultations at VELARIS are complimentary and carry no obligation. Consultations are conducted in Arabic, French, Spanish, or English.

Velaris — Clarity across borders | Private Advisory Marbella

Q: What is the Beckham Law and how does it benefit me?

The Beckham Law allows qualifying new residents to pay a flat 24% tax rate on Spanish income up to €600,000, instead of the standard progressive rates that reach 47%. It applies for your first 6 years as a Spanish tax resident.

What we do

Full-spectrum advisory
across two worlds

One trusted relationship across every complexity — immigration, tax, banking, wealth.

Residency & Immigration

NIE, TIE, Golden Visa, non-lucrative residency, family reunification, nationality track. End-to-end management for individuals and families relocating to Spain.

From €500

Tax Advisory & Structuring

Spanish tax residency planning, Beckham Law (impatriate regime), ETVE holding structures, cross-border tax optimisation between Morocco and Spain.

From €2,000

Company Formation & Structure

Spanish SL, holdings, cross-border corporate structures. Full incorporation, compliance setup, and ongoing corporate secretarial services.

From €1,500

Banking Solutions

Personal and corporate account opening in Spain and Gibraltar. Full compliance file preparation, bank introductions, and ongoing relationship management.

From €3,000

Wealth & Estate Planning

Cross-border asset structuring, estate and succession planning across Spanish and Moroccan jurisdictions. Tailored for high-net-worth families.

Bespoke

CFO & Business Advisory

Senior CFO-level strategic and financial advisory. Restructuring, M&A support, financial modelling, and board-level reporting for growth companies.

Retainer

Our corridors

We know the terrain
on both sides

🇲🇦→🇪🇸

Morocco → Spain

Our primary corridor. Entrepreneurs, families, and capital moving north. We handle the full journey — immigration, tax, banking, corporate structure.

RelocationTax structuringBankingCorporateImmigration

🇪🇸→🇬🇮

Spain → Gibraltar

GBP accounts, asset diversification, and international banking access for clients seeking legitimate offshore optionality. Rare expertise in a post-Brexit Gibraltar landscape.

BankingAsset diversificationComplianceGBP accounts

🌍

International families & HNW individuals

Gulf nationals, European expats, and internationally mobile families establishing a base on the Costa del Sol. Multilingual, culturally fluent advisory with no barriers.

Golden VisaEstate planningRelocationWealth structuring

FAQ

Common questions

A NIE (Número de Identidad de Extranjero) is a tax identification number required for any financial or legal activity in Spain — including buying property, opening a bank account, or signing a rental contract. Yes, it is mandatory for property purchases. The process takes 2–6 weeks and VELARIS manages the entire application on your behalf.

The Spanish Golden Visa grants residency to non-EU nationals who make a qualifying investment in Spain. The most common route is a minimum €500,000 real estate investment (mortgage-free portion). It gives 2-year initial residency, renewable for 5 years, and includes your immediate family. There is no minimum stay requirement, making it ideal for investors who split their time between countries.

The Beckham Law (Régimen Especial de Impatriados) allows qualifying new residents to pay a flat 24% tax rate on Spanish income up to €600,000, instead of the standard progressive rates that reach 47%. It applies for your first 6 years as a Spanish tax resident and is particularly advantageous for executives, entrepreneurs, and high earners relocating to Spain. You must apply within 6 months of registration.

Yes, though it requires careful preparation. Some Spanish banks apply enhanced due diligence to Moroccan nationals. VELARIS prepares a comprehensive compliance dossier — source of funds documentation, structured account purpose declaration, and supporting financial profile — to maximise your success rate and avoid delays.

Gibraltar bank accounts offer GBP-denominated banking, international transfer flexibility, and legitimate offshore diversification within a British Overseas Territory. Post-Brexit access has become more complex, but remains achievable with the right compliance preparation. It is a popular option for Moroccan HNW clients seeking to hold assets in multiple currencies and jurisdictions.

An ETVE (Entidad de Tenencia de Valores Extranjeros) is a Spanish holding company that benefits from a 95% exemption on foreign dividends and capital gains received from qualifying subsidiaries. It is particularly effective for Moroccan entrepreneurs with profitable businesses in Morocco who want to receive income in Spain tax-efficiently.

It depends on the route. NIE: 2–6 weeks. Non-lucrative residency: 2–3 months. Golden Visa: 2–4 months. Family reunification: 3–6 months after 1 year of residency. VELARIS manages the entire process and liaises with the relevant authorities on your behalf to minimise delays.

Yes. Under the bilateral treaty between Morocco and Spain, Moroccan nationals can apply for Spanish nationality after just 2 years of legal residency, compared to 10 years for most other nationalities.

The core documents are: valid passport (min 6 months validity), clean criminal record certificate (apostilled and translated), proof of sufficient financial means, private health insurance, passport photos, and completed application forms. VELARIS provides a personalised checklist after your initial consultation.

Yes — this is one of our core specialisations. We design cross-border corporate structures that optimise tax efficiency, protect assets, and facilitate operations across both jurisdictions. Our founder AZ brings CFO-level expertise to every mandate.

Yes. All initial consultations at VELARIS are complimentary and carry no obligation. We use this session to understand your situation, answer your questions, and outline the most appropriate approach. Consultations are conducted in Arabic, French, Spanish, or English.

VELARIS provides a secure document submission portal at velaris.consulting/upload. Files are transferred directly to our private client vault, organised by client name and date. We accept PDF, JPG, PNG, DOCX, and XLSX files. No login is required.

About Velaris

A.Z.

Founder & Principal Advisor · Marbella

"Two jurisdictions.
"One trusted advisor."

Velaris was founded in Marbella to address a specific gap: the absence of a genuinely bilingual, bicultural advisory firm capable of guiding Moroccan entrepreneurs, families, and investors through the full complexity of their Spain journey.

Led by AZ, a former CFO of major Moroccan corporations, Velaris brings institutional-grade financial expertise with deep cultural fluency across the Morocco–Spain–Gibraltar corridor. We speak your language — in every sense.

CFO-grade expertiseInstitutional financial rigour applied to private client mandates.

Bicultural fluencyNative in both Moroccan and Spanish professional environments.

III

Complete discretionAll engagements handled with the confidentiality private clients expect.

Where complexity
finds clarity

The gap no one
was filling

Full-spectrum advisory
across two worlds

Three levels of engagement

We know the terrain
on both sides

Common questions

Begin with a private consultation

Where complexityfinds clarity

The gap no onewas filling

Full-spectrum advisoryacross two worlds

Three levels of engagement

We know the terrainon both sides

Common questions

Begin with a private consultation

Where complexity
finds clarity

The gap no one
was filling

Full-spectrum advisory
across two worlds

We know the terrain
on both sides