Portugal D7 Visa: The Ultimate Guide to Portugal’s D7 Visa 2022

Written By Lara Silva

What is the Portugal D7 Visa?

Also known as the Retirement or Passive Income Visa, the D7 Visa is a long-term residency visa that was introduced in 2007 and unlike the Portugal Golden Visa requires no investment. Along with retirees, this visa is suitable for some remote workers and digital nomads. This visa is for non-EU/EEA/Swiss citizens who want residence in Portugal and have a reasonable passive income. This income can be from a retirement pension, as well as a financial investment, real estate, and salary.

The minimum passive income required is €8,460 per year for the main applicant. For a spouse, you must add 50% to this (€4,230) and for a dependent child, you must add 30% to this (€2,538). Therefore, for a couple with one child, you would need around €15,300 a year to be eligible for the D7 Visa.

Guide to Portugal Visas

Portugal D7 Visa Requirements

The requirements to be eligible for a D7 Visa in Portugal are pretty straightforward. Here are the main eligibility criteria for the Portugal D7 Visa.

  • Non-EU/EEA/Swiss citizen
  • Minimum passive income of €8,460 per year (+ 50% for spouse and + 30% for dependent child)
  • Clean criminal record
  • Proof of residence address in Portugal (rental or purchase)
  • You need to spend at least 16 months in Portugal during the first 2 years.

What are the Benefits of the Portugal D7 Visa?

1. Visa Exemption

The Portugal D7 Visa allows you to enter Portugal and the Schengen area (26 EU countries). You can circulate freely without a visa. The D7 visa essentially grants you to the travel rights of all European Union citizens.

2. Family Perks

The Portugal D7 Visa allows you to request family reunification once you have your visa. This is where your family members are granted the same residency rights as you. You will have to prove your relationship to any family members that you would like to include in the program. The following qualify for family reunification: partner, children under 18, dependent children over 18 that are studying, your parents, your partner’s parents, and minor siblings. These can all live and work in Portugal and travel freely within the Schengen area, as well as enjoy all the visas’ benefits.

3. Permanent Residence: Does the Portugal D7 Visa Lead to Residence?

The Portugal D7 Visa allows you to obtain permanent residence, eventually. You can obtain legal residency in the first year. You can then renew your residency for two years successively. After five years of legal residency, you can apply for permanent residency.

4. Citizenship: Does the Portugal D7 Visa Lead to Citizenship?

The Portugal D7 Visa can lead to citizenship. After six years of legal residency, you can apply to become a Portuguese citizen. To become a citizen, you must obtain an A2 Portuguese language certificate, provide documents such as proof of a Portuguese bank, and have no criminal record.

5. Tax Incentives: Non-Habitual Tax Regime

Guide to NHR Tax Regime

You can become a non-habitual resident (NHR) and enjoy the incentives of this fiscal regime. This tax regime allows you to transfer your tax residency to the country. Here are the benefits of this tax regime:

  • You can be eligible to not pay ANY tax on pensions, rental income, real estate gains, and income from non-Portuguese sources if your country has a Double Taxation Agreement (DTA) with Portugal. You would instead pay taxes in your country of origin. The UK, USA, and many more countries have a DTA with Portugal where this is the case.
  • If your pension income is taxed in Portugal, it will be at a flat rate of 10%, including retirement savings and insurance.
  • Income from “high value-added activities” in Portugal is taxed at 20%. This includes employment and self-employment income from activities of scientific, artistic, or technical character performed in Portugal. Still, you will pay the same income tax as ordinary tax residents for other types of domestic income.
  • You will only be taxed on your worldwide income after the first 10 years of residence.
  • Foreign interest, dividends, rents, and property capital gains can be exempted from taxation.
  • You will not pay an inheritance or wealth tax.

Here are the conditions to follow the non-habitual residency program:

  • You cannot have been taxed in Portugal during the five years before the application.
  • You must request a tax residence certificate which means you must live in Portugal for more than 183 days (doesn’t need to be consecutive) for 12 months, lived in Portugal for less than 183 days, but has bought property during those 12 months, or performs public functions in the name of the Portuguese state.
  • You must have the right to be in Portugal through a work visa, Portugal Golden Visa, Portugal D7 Visa, or by being an EU/EEA/Swiss citizen.

Who can get a Portugal D7 Visa?

Non-EU/EEA/Swiss citizens who have a passive income can apply for a Portugal D7 Visa. Although this visa is also known as the retirement visa, if you can work remotely for an employer outside of Portugal, you might also be eligible. Therefore, freelancers and digital nomads who meet the requirements can still apply for the D7 Visa.

Life After Brexit: Why Should UK Nationals Apply for a Portugal D7 Visa?

If you’re a British national who cannot afford the investment necessary for the Portugal Golden Visa, the D7 Visa is the right route for you. You will enjoy permanent residency and possibly citizenship after 6 years, allowing you to get back your EU rights lost after Brexit. As a UK national with a D7 Visa, you’ll be able to travel freely through the Schengen area, as well as have the right to work, study, and live in any EU country.

Portugal D7 Visa: Cryptocurrency

Portugal is one of the last European crypto havens. The Portuguese Tax & Customs Authority (PTA) officially announced in 2019 that buying or selling cryptocurrency in Portugal is tax-free. You will not be charged VAT or Personal Income Tax (IRS) on any crypto transaction. The country does not view cryptocurrencies as an asset, but rather as a form of payment so they do not tax it as the former. However, businesses that provide services related to cryptocurrency are taxed on their gains. There are many factors that determine whether this is the case like your profit and the frequency of your trade. To be sure, contact a tax advisor in Portugal.

Take a look at our guide to cryptocurrency in Portugal here.

why is portugal a crypto friendly country

Portugal D7 Visa: Healthcare in Portugal

You will need to purchase health insurance for the four-month duration of your D7 Visa, which should cost between €20 and €50 a month. After this period, you will obtain your residency and can then access the Public Health Care system (SNS). The Portuguese health system is world-renowned, taking the 17th spot on the World Index of Healthcare Innovation. You will have to register with the SNS in your local health care center. Most services with the SNS are free, but you will have to pay for particular services such as specific exams. However, these prices won’t cost more than €5 to €20. Dental is not included in the SNS.

You can also just access private hospitals if you wish. Yearly health insurance prices range from €300 to €1,000 depending on the company and other personal factors such as your age.

Portugal D7 Visa Steps & Application Process: How to Get a D7 Visa

While the application process for the Portugal Golden Visa can take 9 to 12 months, you can get a Portugal D7 Visa in less than 4 months! Take a look at the full application process, step-by-step.

Portuguese Embassies in the US, UK and Canada

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  1. Hi Lara

    Is it a requirement that some documents be apostilled for the D7 visa application?
    (applying as South African family, but permanent residents in Canada).

    Thanks 🙂

    • Hi Adele,

      I would contact the nearest Portuguese embassy or contact an immigration lawyer about your question to be safe!


    • Hi Mohamed!

      I believe you only need to be over the age of 18, but contact the Portuguese embassy or an immigration lawyer to be sure 🙂


  2. do you need to prove future income for the second year? does this need to be deposited into a Portuguese bank account or can it be from future income?

    • Hi Stephanie! From what I read, for your application, you would show proof of income for 12 months. However, I suggest contacting an immigration lawyer to clarify the issue.

  3. Hi Lara!
    Is it possible for my husband and I to apply together on ONE application for a D7? I would be the primary applicant and he the dependent. Or is family reunification the only way?
    If we split our assets, we would not qualify financially with 2 independent applications.

    Thank you!

    • Hi Sarah! From what I have read, you can apply as a married couple, as you said with a primary applicant and dependent. However, you would need to show that you have a minimum income of €8,460 per year + 50% for your spouse. I would recommend contacting an immigration lawyer.

  4. For Step #1, do you have to physically be in Portugal for either or both getting the NIF or opening a bank account. Either way, how do you do it?
    For Step #2, is it really possible to rent an apartment or house without already having a visa? Do you have to be physically in Portugal to do it? How do you do it?
    For Step #5, how do I find out if my situation counts as “sufficient funds”? Do stock dividends count for passive income (because the amount is not guaranteed). Also, I will be changing from teaching full time to online tutoring. How much will I have to make with my online tutoring and for how long to I have to make that much before it counts as proof?
    I know I have a lot of questions. I would be willing to pay for answers. Is there some service that you can recommend?
    Thank you!

    • Hi Kendon!

      For #1, you can get a temporary NIF and bank account from a Portuguese lawyer who acts on your behalf, you don’t need to be in Portugal.
      For #2 You can rent an apartment without a visa, again through a Portuguese lawyer. I recommend contacting a real estate agency to help you out like remax, but there are plenty more.
      For #5, from what I have read stock dividends count as passive income. I would recommend contacting a lawyer as the information on this is confusing, some say you need proof of income for the last 3 months and some say the last 12 months. If you have proof of income for the last 12 months you should be fine. The minimum you need to me is 8,460 euros a year and it seems you are already making this with your stock dividends.

      Again, I recommend contacting an immigration lawyer in Portugal to have all your questions answered more meticulously and carefully.

  5. BTW, my stock dividends currently pay €27,000 per year and my tutoring, once I build up my clientele, would pay €10,000 – €20,000. But once, again, for how long do I have to make that before it counts as proof?

  6. Hi Lara,

    Great information.
    The article mentions it can be a passive income or a remotely generated income for D7 visa such as digital nomads. Consider my case, I am a Seaman working on a permanent contract with an International Shipping Company. I have a decent salary. But since I am a seaman I have to work on board about 7 months a year. I go on and off for a 3 months contract followed by 3 months leave.

    My job has 2 elements #1 the income is active not passive and #2 I would be leaving the Portugal for a short term to work at sea.
    Does this qualify under D7 visa or any other category of visa for instance?

    Kindly advice the procedure and the best options for us to settle in Portugal.

    • Hi Aftab,

      I recommend contacting an immigration lawyer to look over these details. However, you are expected to spend at least 16 months in the country during the first 2-year period of your visa.

    • Hi Chris,

      From my understanding, your 18 year old must be single and enrolled in an educational institution. I am not 100% sure if this must be in Portugal so I recommend contacting an immigration lawyer.

  7. I and my wife have 1.9MM EUR equivalent net worth but the most asset is a non-dividend mutual fund. Do we need to sell them and buy similar ETF to earn dividend?

  8. Can a Sri Lankan citizen apply for D7? Are there any restricitons for sri lanka? where can i find the application form for sri lankan.?

    • Hi Kamesh,

      Any non-EU/EEA/Swiss citizens who have a passive income can apply for a Portugal D7 Visa so yes! I recommend you contact the nearest Portuguese embassy or an immigration lawyer.

  9. Hi Lara
    Is the Portuguese embassy open? How do I apply for my visa? Can I come to Portugal? i am from India I’m 25 years old. My education +2, diploma mechanical engineering please guide me. I want to be a citizen of Portugal

  10. Hi Lara,
    Thank you so much for all the information. Would you know if Portugal requires any funds to be deposited to the bank in Portugal or does D7 visa only requires opening an account no matter if any funds are deposited? Also, I am currently in another foreign country. Would I need the police clearance from this country as well as from my home country if I am applying for the visa from my home country? Appreciate your time.

  11. hi my parents , Retired, lived in france permenantley for 20 years and now moved to Madeira last november , do they need a D7 Visa ?
    if so if they need to visit the embassy in England can just one of them come over ? or can it be done remotley due to health reasons my dad finds it hard to travel.
    I know they went about this wrong way and got bank account set up all utility bills and bought a house, they were never told they needed a visa until they tried to get health care and were advised they need a visa
    please help !!

    • Hi,

      I recommend contacting an immigration lawyer, they would be best to answer questions specific to your parents case

  12. I was convicted of Non dwelling burglary in 1987. Which was 35 years ago. I received a conditional discharge. Will this bar me from applying for the D7 visa.

  13. Hi,
    My Passive income is in 2 shapes
    ! ) 864 Euro / month
    2 ) property + cars 835000 Euro ( together my wife and myself)
    Are we both eligible to apply D7 visa?

  14. D7 Application from Ireland….feels like something is wrong.
    I am a Uk citizen living in Ireland hoping to retire to portugal on a D7. I had my appointment in the middle of January, and was told on the day that all my paperwork was perfect and the visa should be processed within 2 months….however we are now four months in and Ive heard nothing….I have tried to get updates from the e-visa portal but have hit a brick wall…no updates, no information…..Should I be worried ? I know that ireland does not do alot of D7 applications because Irish citizens do not need one obviously….maybe thats the problem…..all very frustrating.

    • Hi,

      It could just be that SEF is overloaded at the moment but you can contact them by phone at 217115000 or 965903700

  15. I am an Irish citizen, resident in Ireland, retired from teaching but would like to spend the winter months in Portugal (about 5/6 consecutive months every year) and the rest in Ireland. Because Ireland is not in the Schengen zone I understand that I need a D7 visa. Am I correct and if so can this be done from Ireland. Thank you.


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