Retirement Spain Costa del Sol
Golden Retirement in Spain
Retiring on the Costa del Sol means enjoying an exceptional lifestyle: year-round sunshine, security, quality healthcare, and a welcoming international community. At PiMax Invest, we'll support you every step of the way as you settle into your new home in Spain, ensuring you can enjoy your retirement with complete peace of mind.
Taxation of Swiss AVS pensions in Spain
Spain and Switzerland have signed a tax treaty that specifies the taxation of pensions according to their origin:
AVS pension from a job in the private sector:
The AVS pension from private sector employment is considered a private pension (Article 18 of the convention). It is taxable in Spain, where you will be a tax resident. You must therefore declare it on your Spanish tax return.
AVS pension from employment in the public sector (civil servant, Swiss administration):
If you receive an AHV pension for work in the Swiss civil service, this pension is generally taxable only in Switzerland and tax-exempt in Spain (Article 19 of the treaty).
Swiss private pensions (second and third pillar):
They are also taxed in Spain as investment income or annuities, unless the taxes were already paid in CH.
It is therefore crucial to identify the origin of your pension to optimise your taxes.
We assist in:
Transferring assets, Swiss authority paperwork, banking setup and assets transfer with our partner bank.
Other benefits of the special agreement
Access to Spanish social security: Thanks to the bilateral agreement, you benefit from access to the Spanish public health system under the same conditions as Spanish retirees.
No double contributions: The agreement avoids any double taxation and coordinates social rights between the two countries.
Direct transfer of pension rights: Your rights are recognised and the payment of your AVS pension continues without interruption.
From €1,500
(Subject to assessment, VAT included)
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We offer:
Personalised analysis of your tax situation
Optimisation of your income tax return
Administrative assistance (residency, health, banking)
Multilingual support (French, English, Spanish, Italian)
Why choose the Costa del Sol for your retirement?
Exceptional climate: More than 300 days of sunshine per year.
International community: Many Swiss and French-speaking people have settled there.
Quality of life: Health systems, leisure, security and gastronomy.
Proximity to Switzerland: Easy access for family or administrative visits.
Contact us
Contact us for a personalised study of your retirement project on the Costa del Sol!
