The D7 Visa was introduced by the Portuguese government in 2007. It allows non-EU/EEA/Swiss citizens with a regular passive income to apply for residency in Portugal. This income can be from pensions, transferable equity, real estate, intellectual property, or financial investment.
Also known as the Retirement Visa or Passive Income Visa, the D7 Visa is particularly favored by non-EU retirees who want to set up a base in Portugal and enjoy the country’s stunning landscapes and exceptional living standards. The minimum required amount to be eligible for the Portugal D7 Visa is €820.
One of the top D7 Visa benefits is that it allows holders to apply for Portuguese citizenship after five years of legal residency in Portugal, provided the requirements are met.
We’ve compiled this expert guide to help you understand the Portugal D7 Visa easily. Inside, you’ll find valuable information about:
- The benefits of the Portugal D7 Visa
- Income eligibility criteria
- Required documents
- The application process and processing time
- Application and renewal costs
- Pathway to permanent residency and citizenship
Portugal D7 Benefits
Permanent free entry and circulation in the Schengen area
Live, work and study in Portugal
Tax benefits via NHR
Benefit from the Portuguese healthcare system
Fast visa process
Entire family is eligible
Visa-free travel across the European Union
Holders of the Portugal D7 Visa can explore the Schengen area and move freely across the European Union for a specified period without being required to produce additional visas or travel permits.
Pathway to permanent residency and citizenship
Once the Portugal D7 Visa is issued, you will receive a residence permit valid for two years, renewable for an additional three years. After five years of legal residency, holders can apply for permanent residency or Portuguese nationality, enabling them to obtain a Portuguese passport with visa-free access to 174 countries.
Rights as a Portuguese resident
As a legal resident under the Portugal D7 Visa, you gain access to the Portuguese national health service system and the country’s robust education system. You can work, enjoy legal protection, and access vocational training and professional development opportunities. Additionally, D7 Visa holders can become tax residents in Portugal.
Family reunification
The Portugal D7 Visa allows the main applicant to bring family members, including spouses, children under 18, dependent parents, siblings, or children over 18, who can enjoy similar benefits.
Attractive tax benefits
D7 Visa holders can take advantage of Portugal’s Non-Habitual Tax (NHR) Regime, which offers tax incentives for foreign-sourced income and facilitates tax residency for those who haven’t been Portuguese tax residents in the past five years.
Is NHR ending?
The State Budget Law for 2024 determined the end of the NHR regime from 1st January 2024. However, certain individuals can still apply up until 31st March 2025, and the scheme is being replaced by the Tax Incentive for Scientific Research and Innovation, which has now been implemented. To learn more, please refer to Is The Portugal NHR Ending?
Who is eligible to apply for the Portugal Passive Income Visa?
To be eligible for the Portugal D7 Visa, also known as the Portugal Retirement Visa, and start your journey toward obtaining Portuguese residency, the main applicant must be a non-EU national and meet certain passive income requirements. You’ll need to show that you have enough funds in a Portuguese bank account to support yourself during your stay.
Here are the key requirements for the initial residency permit under the Portugal D7 Visa:
- Nationality: You must not be an EU citizen.
- Financial self-sufficiency: You must demonstrate that you have enough financial resources to support yourself while living in Portugal.
- Clean criminal record: A background check is required to ensure you have no criminal history.
- Proof of residency: You must have a confirmed address in Portugal. This can be shown with a rental agreement or a document from a Portuguese resident confirming that you will live in their home.
- Physical presence: You must spend at least 16 months in Portugal during the initial two-year period.
Are you unsure if the Portugal D7 Visa is right for you? Take our free eligibility test to find out!
Take a free test now to
know if you are eligible for the Portugal D7 Visa
Portugal D7 Visa Requirements
Criminal record certificate
To apply for the Portugal D7 visa, you must provide a criminal record certificate. For US citizens, this means obtaining a criminal background check similar to the one from the FBI. Portuguese immigration generally favors applicants with a clean criminal record, meaning no convictions for crimes that carry a prison sentence of more than one year.
In some situations, applicants with criminal records may still be eligible, so it’s wise to consult an immigration lawyer for specific guidance. Global Citizen Solutions can assist with any concerns regarding this aspect of your application.
Get a NIF number
Securing a NIF (Número de Identificação Fiscal) is essential for living in Portugal, as it allows you to engage in various fiscal activities. You can authorize someone to obtain this number on your behalf before your arrival. Each individual is assigned a unique, nine-digit NIF for tax purposes.
How to apply for your NIF
The process for obtaining a NIF varies based on your residency status:
- Residents: You can apply at your local tax office (Finanças) or citizen shop (Loja do Cidadão). Check if an appointment is necessary, as some offices have long lines.
- Non-residents: You must appoint a fiscal representative to apply on your behalf.
Required documents:
- Official photo ID (passport preferred)
- Proof of address (in Portugal or your resident country)
- Power of attorney (if using a representative)
- Translations of documents, if necessary
Application steps:
- Gather the required documents.
- Apply in person or online through a representative.
- Receive your NIF number within 10 business days.
Opening a Portuguese bank account
Once you have your NIF, you can open a Portuguese bank account, often remotely, which simplifies transactions and helps avoid currency exchange fees.
Required documents:
- Proof of ID (e.g., passport)
- Proof of address (e.g., recent utility bill)
- Confirmation of NIF
- Proof of income or employment (or registration with the Portuguese employment center)
- A Portuguese phone number (may vary by bank)
- Minimum cash deposit (typically €250-300)
Steps to open a bank account:
- Choose a local branch or an online option.
- Gather necessary documents.
- Visit the branch or complete an online application.
- Follow the bank’s instructions, which may include an initial cash deposit.
Online options: If you are a non-resident with an NIF, banks like ActivoBank, Banco N26, and Millenium BCP allow you to open accounts online. However, you often need a video call to verify your identity.
Proof of sufficient passive income
Meeting the minimum income requirement is crucial for the Portugal D7 Visa. You must demonstrate a stable and regular passive income that is at least equivalent to the Portuguese minimum wage. This income can come from various sources, such as:
- Social Security benefits (Pensions)
- Rental income
- Dividends
- Transferable equity
- Intellectual property
The more passive income you can demonstrate, the smoother the application process will be, as it confirms your ability to support yourself in Portugal without needing local employment.
According to Portuguese law, it’s advisable to maintain a Portuguese bank statement that shows a minimum balance of during your two-year application period.
This balance increases if you have family members:
- An extra 50% for a spouse or any family member over 18.
- An extra 30% for each child under 18.
For instance, a family of four with two adults and two minors must maintain at least €41,488.00 in their Portuguese bank account during the family reunification period.
Travel and health insurance
Portugal D7 Visa applicants must have travel insurance at the time of the visa application and have health insurance coverage by the time of their AIMA appointment, ensuring coverage while residing in Portugal during the application process.
Numerous private insurance plans in Portugal can be directly debited from your newly opened Portuguese bank account.
After moving to Portugal, you can enrol in the Portuguese public health system (SNS), which can be used to renew your residence permit later.
Maintain minimum residency
Once you receive your temporary residency permit, you must spend at least 16 months in Portugal within the first two years. After this initial period, you can renew your permit for an additional three years.
If you maintain your residency in Portugal for five years, you can apply for permanent residency and later pursue Portuguese citizenship. It’s also essential to keep valid health insurance coverage throughout your stay.
Portugal D7 Visa D7 Required Documents
Here’s a complete list of the necessary documents you’ll need to secure your residency when applying for the Portugal D7 Visa:
- Completed Portugal D7 Visa application form
- Valid passport (your passport needs to have an expiry date at least three months later than the duration of your stay in Portugal, and it must have at least two blank pages)
- Two passport photos (passport-sized)
- Proof of regular passive income
- Proof of adequate accommodation (it can be a 12-month lease or a property purchase agreement)
- Clean criminal record background check
- Valid travel insurance with health coverage
- Six months of bank statements
- Portuguese tax number (NIF)
- Previous year’s tax statement
- Medical insurance
Portugal D7 Visa Application Process
1. Apply for the temporary D7 visa from your home country
2. Attend your AIMA appointment and enroll your biometric data
3. Get your residency card
To obtain your Portugal D7 Visa, you’ll need to start the process at the Portuguese Consulate in your home country. Here’s a simple overview of the steps involved:
- Schedule an appointment: Book a time to submit your visa application and all required documents.
- Pay the application Fee: Pay the necessary fee when you submit your application.
- Wait for review: The review period can take a few weeks to several months. This timeline depends on the Portuguese Consulate, which may request more information during this time.
- Receive temporary residence visa: Once approved, you’ll get a temporary residence visa to enter Portugal.
- Attend your AIMA appointment: Within four months of your arrival, you must schedule an appointment with AIMA for an interview and biometric data collection.
- Get your temporary residence permit: After the appointment, you’ll receive a temporary residence permit valid for two years, which can be renewed.
- Apply for permanent residency or citizenship: If you meet the necessary criteria, you can apply for a permanent residency permit or Portuguese citizenship after five years of legal residency.
Following these steps will help you on your journey to securing your Portuguese residency card.
Portugal D7 Visa Processing Time
Obtaining a temporary four-month visa in your home country can take up to 60 days, provided you submit all the required information.
When you receive your visa, you will also have an appointment with AIMA, which the Portuguese Consulate books when they issue your visa.
Once AIMA has collected your documents and biometric data, it will take about three weeks for them to send your residence card to your Portuguese address. The legal deadline for this is 90 days.
D7 Visa application timeline
Book a one-on-one consultation with our Portugal D7 visa specialist
The Cost of the Portuguese D7 Visa in 2024
The Portugal D7 Visa is a budget-friendly choice compared to programs like the Portugal Golden Visa, which requires a hefty investment starting at €200,000. The D7 Visa, on the other hand, is designed for those with stable passive income. Here’s a breakdown of the processing fees:
- Entry visa application: Approximately €80 at the Portuguese consulate in your home country.
- Resident permit fee: Around €170 for submission and receipt from the AIMA in Portugal.
- SEF appointment fee: About €156.
- Portugal D7 Visa application fee: Approximately €90.
- Residence permit fee: Around €160.
Note: Fees may change according to the Portuguese immigration authorities.
Getting a Residence Permit in Portugal
Portugal D7 Visa residency requirements
D7 holders must make Portugal their primary country of residence; you cannot move freely to another country in the European Union. As a holder of the D7 residence card, you may be absent from Portugal for the following periods within the validity of the permit:
- Six consecutive months or
- Eight non-consecutive months
In the initial two years after obtaining this residency visa, you must reside in Portugal for a minimum of 12 to 16 months. Following this period, you are expected to spend no less than 28 months in the country every three years.
Exceptions can apply for work-related reasons or other specific situations. In such cases, you must explain your absence to AIMA before leaving. Additionally, you may be exempt if you can prove residency in your home country while abroad, supported by professional, business, social, or cultural activities.
If you plan to be absent for more than six consecutive months or eight non-consecutive months, you are advised to inform AIMA beforehand.
Getting Portuguese Citizenship Through the Portugal D7 Visa
Once you’ve established your residency with the D7 Visa, you can work towards obtaining Portuguese citizenship. Here’s what you need to know:
- Residency duration: After five years of holding your D7 residency, you are eligible to apply for citizenship. Ensure you’ve adhered to the residency requirements outlined earlier, including spending time in Portugal.
- Language proficiency: To demonstrate your integration into the country, you’ll need to pass a basic Portuguese language test.
- Clean criminal record: It’s important to maintain a clean criminal record throughout your residency. You’ll need to provide documentation proving your good standing in both Portugal and your home country.
- Application process: Begin gathering the necessary documents for your citizenship application, such as proof of residency and evidence of language proficiency.
- Submit your application: Follow the application process through the appropriate government channels to ensure a smooth transition from residency to citizenship.
Portugal D7 Visa Tax Considerations
A holder of the Portugal D7 Visa must establish tax residency in Portugal by spending more than 183 days in the country each fiscal year. As a tax resident, you can take advantage of the Non-Habitual Tax (NHR) Regime, which offers generous benefits related to your global income. This program provides tax-free incentives on certain categories for up to ten years if you register with an address in Portugal.
Here are the types of income that may qualify under the NHR program:
- Dividends
- Real estate income
- Capital gains from selling real estate
- Occupational pensions
- Royalties
- Personal income tax
- Business and self-employment profits from eligible occupations (be mindful of relevant double taxation agreements)
As of 2020, pensioners who register for the NHR scheme are taxed at 10 percent on all foreign-sourced pension income.
Is NHR ending?
The State Budget Law for 2024 determined the end of the NHR regime from 1st January 2024. However, certain individuals can still apply up until 31st March 2025, and the scheme is being replaced by the Tax Incentive for Scientific Research and Innovation, which has now been implemented. To learn more, please refer to Is The Portugal NHR Ending?
Passive Income Visa Acceptance Rate and Reasons for Rejection
Obtaining a D7 Visa in Portugal is usually straightforward if you meet the requirements. The rejection rate for the D7 Visa is low, similar to other visa types in Portugal. Common reasons for rejection include invalid travel insurance, insufficient justification for your stay, fake travel documents, and failure to provide proof of accommodation, such as a valid rental agreement.
If you have any concerns about your application or need guidance, contact Global Citizen Solutions for expert advice.
D7 Visa Alternative: Portugal Digital Nomad Visa
If you’ve taken the eligibility test and discovered you’re not suited for the D7 Visa in Portugal, don’t worry! On 30 October 2022, the Portuguese government introduced a great alternative: the Digital Nomad Visa. This visa allows digital nomads to live and work in Portugal for a specific period.
The Digital Nomad Visa is tailored for remote workers, helping to manage their short-term stays in Portugal. You can apply for either a temporary residency permit, which can be extended for up to five years, or a temporary stay visa, valid for one year. To qualify, you must earn at least four times Portugal’s minimum wage, which amounts to €3,280.00 each month.
This visa is perfect for remote workers and entrepreneurs looking to experience life in Portugal. You can apply for the Portugal Digital Nomad Visa at your local Portuguese Consulate.
Successful Portugal D7 Visa Journey: How We Can Help
With offices in Portugal, the United Kingdom, Hong Kong, and Brazil, our multilingual team supports individuals and families from start to finish. We provide expert advice on essential factors such as freedom, mobility, taxation, and security.
Whether searching for your dream home or seeking successful immigration and relocation services, our international team is with you every step of the way.
At Global Citizen Solutions (GCS), we have extensive experience in immigration law and offer a comprehensive service for your D7 Visa application in Portugal. Our services include:
- Immigration planning: Our legal team will organize a call to understand your needs and create a personalized immigration plan.
- Appointing a fiscal representative: We will appoint a tax representative in Portugal who will apply for your NIF and communicate with the Portuguese tax authorities on your behalf.
- Preparing required documents: Our team handles all paperwork, writes necessary letters and declarations, and guides you through the documentation tailored to your situation.
- Securing accommodation: We assist you in finding long-term accommodation in Portugal, whether you buy or rent a property.
- Visa application process: We collect the necessary documents, schedule your visa interview appointment, and help you prepare for the interview. We also provide information on processing times and passport handling.
- Conversion of the visa into a residence permit: After arriving in Portugal with your D7 Visa, we guide you through the conversion process, accompany you to the Immigration Office, and assist with the final collection of your residence card.
Let’s begin your journey toward obtaining the D7 Visa in Portugal!
Frequently Asked Questions About the Portugal D7 Visa
What is the Portugal D7 Visa?
The D7 Visa, also known as the Retirement Visa, is a Portuguese immigration permit that allows you to enter Portugal and apply for residency. To qualify, you must have sufficient funds in your bank account to support yourself and demonstrate that you rely on passive income.
After five years, you can convert it into a permanent residence permit.
Who is eligible for the D7 Visa?
Portugal D7 Visa requirements include being a non-EU national, having sufficient funds in your bank account to support yourself during your stay, possessing a clean criminal record, providing a rental agreement or property deed for a residential address in Portugal, and spending at least 16 months in Portugal during the initial two-year period.
What are the D7 Visa income requirements?
To apply for the D7 Visa, you must have a minimum passive income of €820.00 per month. If including a spouse, you’ll need an additional 50%, and an extra 30% for each dependent child.
Acceptable sources of foreign income include pensions, real estate, and financial equity. You must provide bank statements as proof of meeting these financial requirements.
Can I benefit from the Portuguese healthcare system with a Portugal D7 Visa?
Once you enter Portugal and your residency permit has been approved by AIMA, you will be considered a Portuguese resident. You can, therefore, benefit from the Portuguese healthcare system.
Keep in mind that you will need to register with the National Health Service (SNS) in order to benefit from its services.
What are the Portugal D7 Visa requirements?
To qualify for the Portugal Passive Income Visa, you must be a non-EU citizen aged 18 or older with stable foreign-sourced income to support yourself. You need a clean criminal record and proof of a residential address in Portugal.
Additionally, you must spend at least 16 months in Portugal during the first two years and obtain a Portuguese NIF number.
Is Portugal a good place for retirement?
Portugal is indeed an excellent destination for retirees. Not only is it a safe and stable country, but the climate, friendly people, and high standards of living at a relatively affordable rate are all big draws for retirees seeking a permanent residence permit in Portugal.
Is Portugal expensive?
No, Portugal is by no means considered an expensive country. In the more urban areas of Portugal, it’s possible to live comfortably at €2000 a month. In the less populated areas of Portugal, that figure is even less.
Can I become a Portuguese citizen with a D7 Visa?
While a Portugal D7 Visa doesn’t automatically grant you citizenship, it does enable you to obtain Portuguese residency permit. In Portugal, all Portuguese residents can apply for citizenship after five years.
Therefore, the D7 residency visa can indirectly lead you to obtain citizenship after the five years.
How long does it take to get a D7 Visa for Portugal?
Securing the temporary four-month D7 Visa in your home country can take up to 60 days, and you must submit all the required documents and information.
Can you work in Portugal on a D7 Visa?
Yes, you can work with the Portugal D7 Visa, but there are limitations. While the D7 Visa is primarily for those with passive income, you can engage in freelance work or self-employment. Just ensure your main income source remains passive to maintain your residency status.
Eligibility for the Portugal D7 Visa includes retirees receiving a pension and individuals with investments, such as shares, real estate, or intellectual property, that generate regular income.
Applicants must demonstrate sufficient passive income through documentation like an Annual Tax Return.
What are the benefits of a D7 visa?
The Portugal D7 Visa enables free movement within the Schengen Area, allows living and working in Portugal, and supports family reunification. D7 holders can access healthcare, social security, and potential tax exemptions.
After five years, they can apply for permanent residency and Portuguese citizenship.
How long does a D7 Visa typically last?
A D7 residence permit is initially granted for a period of two years. After this period, it can be renewed for successive periods of three years. After five years of legal residency in Portugal, the visa holder may apply for a permanent residence permit or Portuguese citizenship.
What documents are typically required for a D7 Visa application?
To apply for a D7 Visa, you need a completed application form, a valid passport with two blank pages, and two passport photos. Required documents include proof of regular passive income, a rental agreement or property purchase contract, a clean criminal record, and valid travel insurance.
Additionally, you’ll need six months of bank statements, a Portuguese tax number (NIF).
Can I bring my family members with me on a D7 Visa?
Yes, you can bring family members on a D7 Visa through the Family Reunification Program. This includes your spouse, minor or disabled children, dependent adult children studying in Portugal, and first-degree ascendants.
Keep in mind that your minimum income requirements will increase to cover your dependents.
Can I convert my existing visa to a D7 Visa?
Yes, you can potentially convert your existing visa to a D7 Visa, but it depends on the type of your current visa. It’s best to contact the Portuguese consulate in your home country for specific guidance.
What is the Portugal D7 Visa minimum stay?
You must be able to spend a minimum of 16 months in Portugal on your temporary D7 Visa within the initial two-year period.
What is the disadvantage of the Portuguese D7 Visa?
D7 Visa applicants are required to demonstrate a consistent stream of passive income that meets specified criteria. Moreover, they are obligated to establish Portugal as their principal country of residency and are not permitted unrestricted relocation within the European Union.
How much tax do I pay on a D7 visa in Portugal?
D7 visa holders presently benefit from tax advantages in Portugal, facilitated by the Non-Habitual Resident (NHR) tax regime. This scheme entails a tax rate of 20% for Portuguese-derived income and 10% for income sourced from abroad, including foreign retirement and social security payments. However, it’s crucial to note that the NHR program is ending in 2024.
Portuguese Golden Visa, D2 Visa, or D7 Visa, which one to pick?
Choosing between the Golden Visa, D2 Visa, and D7 Visa depends on your goals. The Golden Visa is best for investment with minimal stay. The D2 Visa is for those starting a business, while the D7 Visa is for individuals with passive income seeking residency.
Assess your options to find the best fit for your needs in Portugal.
How often do I need to renew my Portugal D7 Visa?
The D7 residence permit is initially granted for a period of two years. After this period, it can be renewed for successive periods of three years.
Can I travel within the Schengen Area with the Portugal D7 Visa?
Yes. Upon receiving D7 residence permit, the visa holder can freely enter and circulate in the Schengen Area, and visit other European Union states without being required to produce additional visas or travel permits.
What are the health insurance requirements for the Portugal D7 Visa?
D7 applicants must have health insurance covering them in Portuguese territory during the application period. They must have travel insurance when they apply for the visa and health insurance by the time they have their AIMA appointment.
Can American apply for the Portugal D7 Visa?
Yes, Americans can apply for the Portugal D7 Visa. This visa is available to non-EU citizens, including U.S. nationals, who meet the requirements, such as having sufficient passive income, a clean criminal record, and proof of accommodation in Portugal.
