Portugal D7 Visa 2025: Passive Income Visa, Costs and Requirements (Guide)

The Portugal D7 Visa, often referred to as the Passive Income Visa, provides non-EU/EEA/Swiss citizens a pathway to relocate to Portugal. It is particularly suitable for retirees, remote workers, and families looking for a second residency. This visa is ideal for individuals with a reliable passive income, offering the chance to settle in places like Lisbon, Porto, or the Algarve while enjoying Portugal’s scenic beauty, excellent quality of life, and the opportunity to obtain permanent residency.

This article explores the eligibility criteria, application steps, and advantages of the D7 Visa. It also explains the process of applying for permanent residency or citizenship after residing in Portugal with this visa.

What is a Portugal D7 Visa?

The D7 Visa, introduced by the Portuguese government in 2007, is a residency visa designed for non-EU/EEA/Swiss citizens with a stable passive income. Also known as the Portugal Passive Income Visa or Portugal Retirement Visa, it provides a pathway for individuals and families to legally reside in Portugal.

To qualify, applicants must demonstrate a minimum annual income of €10,440, with an additional 50% for a spouse and 30% for each dependent child. Passive income sources such as pensions, rental income, dividends, and investments are accepted. This visa allows holders and their families to live in Portugal, with the added ability to work if desired.

D7 Visa holders enjoy the freedom to travel across the Schengen area and, after five years of residence, can apply for permanent residency or even Portuguese citizenship, provided they meet the necessary legal requirements.

Additionally, applications are typically submitted through Portuguese consulates, and family members can join through reunification programs. This visa is an excellent choice for retirees and individuals seeking a high quality of life in Portugal.

D7 Visa Portugal Eligibility Criteria & Requirements in 2025

To apply for the Portugal D7 Visa, you need to meet certain requirements. You can apply for this visa if you:

Being non-EU or Swiss National
You must show stable passive income, such as from property rentals, a salary, or a pension, meeting the minimum €870 per month plus 50% for a spouse and 30% per dependent. This income must be sufficient to support living expenses in Portugal in 2025.
Provide proof of your NIF (Portuguese tax identification number), which you can easily obtain worldwide through enifportugal.com.
Travel Insurance coverage during your travel to Portugal.
Have a clean criminal record
You must provide proof of sufficient funds in a bank account in Portugal, amounting to €870 per month for 12 months, totaling €10,440 in 2025.
Provide evidence of accommodation in Portugal, such as a 12-month lease agreement.
You must stay in Portugal for at least 16 months during the first two years.
Provide a written declaration of your intent to reside and establish tax residency in Portugal.

Passive Income Requirements for D7 Visa

For the Portugal D7 Visa, the main requirement is to show that you have regular “passive” income. This income can come from sources like pensions, rental income, dividends, or certain types of investments.

The minimum income requirements depend on how many dependents you want to include:

Main Applicant – You need 100% of the minimum wage, which is currently €10,440 per year in 2025.
Spouse or Parents of the Main Applicant – You need 50% of the minimum wage for each person, which is currently €5,220 per year per person.
Dependent Children – You need 30% of the minimum wage for each child, which is currently €2,610 per year per child.

It is highly recommended to maintain at least 12 months’ worth of income (10,440) in a Portuguese bank account to ensure financial stability and compliance with visa requirements as per Portugal minimum salary in 2025.

Eligible Dependents for the Portugal D7 Visa

For the Portugal D7 Visa, the main applicant can include the following dependent family members:

A spouse or partner – This includes legally married spouses and long-term partners.
A minor or incapacitated child – These are children under 18 or children who are unable to care for themselves.
Children older than 18, who are single and studying – This applies to children who are single, over 18, and attending school in Portugal.
Dependent parents – This includes the main applicant’s parents or the spouse’s parents who depend on them.
Minor siblings – These are siblings who are minors and are legally under the care of the main applicant.

Eligible Dependents for the Portugal D7 Visa

Minimum Stay and Permit Renewal Requirements for D7 Visa Holders in Portugal

Once your application for the Portugal D7 Visa is approved, you’ll receive a two-year Portuguese residency card. To maintain your residency, you must renew this card at the end of the 2nd year. After this renewal, you’ll get a three-year residency card.

The D7 Visa is for people who want to live in Portugal. You must stay for either 6 consecutive months or 8 non-consecutive months each year.

Here’s the minimum stay and permit renewal requirements given below step by step:

Step 1: Initial Residency Permit Validity

The initial residency permit is valid for 2 years.

Step 2: Minimum Stay Requirement

You must stay in Portugal for at least 16 months within the first 2 years.
Alternatively, you should spend a minimum of 6 consecutive months or 8 non-consecutive months per year in Portugal.

Step 3: Renewal of Residency Permit

After the initial 2 years, you can apply for a 3-year renewal of your residency permit.

Step 4: Minimum Stay for Renewal

During the 3-year period, you must stay in Portugal for at least 28 months.
Alternatively, you should spend a minimum of 8 consecutive months or 16 non-consecutive months per year.

Step 5: Proof of Compliance

When applying for renewal, you must demonstrate that you have met the minimum stay requirements through passport stamps, rental agreements, or utility bills.

Step 6: Long-Term Residency or Citizenship

After 5 years, you may apply for permanent residency or Portuguese citizenship, provided you meet the language and legal requirements.

How to Fill the D7 Visa Application Form for Portugal

Filling out the D7 Visa application form accurately is crucial for a successful submission. Follow these steps to complete the form. For your convenience, we have provided the application form for the Portugal D7 Visa, which is attached here.

1. Personal Information

Full Name: Enter your full name as it appears on your passport.
Date and Place of Birth: Include your exact date of birth and place of birth.
Nationality: Indicate your current nationality.
Marital Status: Check the appropriate box (Single, Married, Divorced, or Widowed).
Passport Details: Include your passport number, issue date, and expiry date.

2. Contact Information

Current Address: Provide your current residential address.
Phone Number: Enter a valid phone number with the country code.
Email Address: Provide an active email address for communication.

3. Purpose of Travel

Type of Visa: Select “D7 Visa” or the equivalent passive income/residency visa option.
Intended Duration of Stay: Specify the period you intend to stay in Portugal.
Purpose: Clearly state the reason for applying, such as residency based on passive income.

4. Family Details

Spouse and Dependents: If applicable, include information about your spouse and dependent children, such as their names, dates of birth, and relationship to you.

5. Financial Details

Proof of Income: Mention the source(s) of your passive income (pensions, investments, property rentals, etc.).
Bank Account Details: If you already have a Portuguese bank account, include its details to demonstrate financial stability.

6. Accommodation Details

Provide the address of your intended residence in Portugal. Attach proof, such as a lease agreement or property deed, as supporting documentation.

7. Travel History

Previous Schengen Visas: If applicable, provide details of any Schengen visas issued to you in the past.
Travel Dates: Include the dates of previous stays in Portugal or other Schengen countries.

8. Declaration and Signature

Declaration: Read the terms and confirm your understanding of the visa conditions.
Signature: Sign and date the form to certify that the information provided is accurate.

How eNIF Portugal Assist with Portugal D7 Visa Applications?

eNIF Portugal offers assistance to applicants and their families in obtaining and completing the necessary documentation to successfully prepare, submit, and process their application for a Portuguese residency. This assistance includes:

1. NIF Registration Made Easy

Obtain your NIF (Portuguese Tax Identification Number) worldwide through their platform, an essential step for opening a bank account and proceeding with your D7 visa application.

2. Assistance with Financial Proof

Guidance on preparing and submitting evidence of passive income, including bank statements, pension documentation, or rental income records.

3. Accommodation Verification

Support in securing and verifying a 12-month lease agreement or providing alternative proof of residence in Portugal.

4. Comprehensive Documentation Support

Assistance in gathering and organizing required documents, including passport copies, criminal record certificates, and proof of savings.

5. Declaration and Affidavit Services

Help with drafting the declaration of intent to reside in Portugal and affidavits for health insurance or other legal requirements.

6. Health Insurance Guidance

Assistance in identifying suitable health insurance plans that meet visa requirements.

7. Application Review and Submission

Detailed review of your application to ensure compliance with D7 visa standards before submission.

8. Ongoing Customer Support

Dedicated support team to address questions or concerns throughout the process.

9. Expertise in D7 Visa Requirements

Professional insights on meeting the minimum stay, financial, and residency requirements for a successful visa application.

10. Transparent Pricing

Clear and competitive pricing for all services, ensuring affordability and reliability.

enifportugal.com simplifies the complex D7 visa process, offering tailored solutions and expert assistance at every step to help you move to Portugal seamlessly.

Application Process for the D7 Visa

Step 1: Acquiring a NIF Number and Opening a Bank Account

The first step in applying for the D7 Visa is to get a NIF number. This number is your tax identification number, allowing you to perform financial transactions in Portugal. You can have a power of attorney obtain this number for you without needing to enter Portugal.

We assist with obtaining your NIF number. If you require support, please feel free to contact us.

Once you have your NIF number, the next step is to open a bank account in Portugal, which can also be done remotely with us.

Step 2: Securing Your Accommodation

As part of the D7 Visa application process, you need to secure adequate accommodation in Portugal. You can achieve this by either renting or buying property in the country. This step demonstrates that you have a place to stay while living in Portugal, which is a key requirement for the visa.

Step 3: D7 Visa Application at the Portuguese Consulate

To apply for the D7 Visa, you’ll need to book an appointment online at the Portuguese consulate in your current region. The specific documents required may vary by region, but generally, you will need the following:

Passport – It should be valid for at least six months beyond the expiry date of the Portugal passive income visa.
Two Passport-Size Photos – Two recent, colored passport-sized photos with a white background, meeting Schengen requirements.
Declaration – This is a statement outlining your reasons for seeking retirement residency.
Health Insurance Policy – This should provide coverage in Portugal. Alternatively, you may submit an affidavit stating your commitment to obtaining health insurance within 90 days of arrival in Portugal.
Criminal Record Certificate – This must confirm a clean criminal record from your home country and any other country where you have legally resided for more than a calendar year.
Authorization for criminal record check in Portugal;
Travel Insurance – This ensures coverage during your travel to Portugal.
Evidence of Accommodation – This can include a title deed, rental agreement, or property loan agreement proving you have accommodation in Portugal.
Proof of Sufficient Finances – You must provide proof of sufficient funds in a bank account in Portugal, amounting to €870 per month for 12 months, totaling €10,440 in 2025.
Proof of Passive Income – Proof of Passive Income
You must show stable passive income, such as from property rentals, a salary, or a pension, meeting the minimum €870 per month plus 50% for a spouse and 30% per dependent. This income must be sufficient to support living expenses in Portugal.

To be eligible, you must prove that you have an income or pensions amounting to:

€10,440 for Individual
50% of this amount applies to a spouse.
30% of this amount applies to each dependent child.

The exact document requirements may vary slightly depending on the region where you are applying.

Step 4: Applying for a Residence Permit in Portugal

After obtaining the D7 Visa, you can enter Portugal to apply for a residence permit. The D7 Visa allows you a maximum of two entries and permits you to stay in Portugal for up to 4 months. During this time, you need to apply for a residence permit.

To apply for a residence permit, you’ll need the following documents:

Passport – This should contain the D7 Visa issued by the Portuguese consulate in your region.
Proof of Accommodation – This should be the same document you submitted to the Portuguese consulate, showing where you will live in Portugal.
Proof of Sufficient Financial Means – This should also be the same as what you submitted to the consulate, demonstrating that you have enough funds to support yourself.
Health Insurance Policy – If you acquired health insurance in Portugal, you should provide proof of this.

Since the application process can be a bit complicated due to bureaucratic procedures, it’s a good idea to consult a professional. You can always contact us with any questions or for assistance.

The Time Frame for the D7 Visa and Residence Permit

Step 1: Gathering Documents

Collecting all the necessary documents for the D7 Visa typically takes about a month. We strongly recommend hiring a specialist to help you with this process. Without expert help, it might take you much longer to find all the right documents.

Step 2: Consulate and Visa Application Center Processing

After submitting your application at the Portuguese Consulate or Visa Application Center (VFS) in your home country, it can take up to 60 days to process. This timeline assumes that all documents are correctly submitted and the application is well-prepared. If any documents are missing or filled out incorrectly, the process will take significantly longer. In such cases, the consulate will inform you, and you might need to appear in person to correct any issues or provide clarification.

Step 3: Applying to AIMA for the Residence Permit

Once in Portugal, you need to apply to the Agency for Migration and Asylum Integration (AIMA) for a residence permit. The time it takes to secure this permit varies depending on where you choose to live:

In major cities like Lisbon or Porto, it can take around 120 days to get an appointment with AIMA due to high demand.
In smaller towns or rural areas, you can secure an appointment with AIMA within 15 – 30 days.

In both cases, it’s crucial to apply for your residence permit within the validity period of your D7 Visa.

D7 Visa Costs in 2025

Applying for a D7 Visa involves two main expenses:

Application Fee: Approximately €90.
Residence Permit Fee: Around €160.

Additionally, there may be other costs related to the application process, such as:

Hiring a fiscal representative to obtain a NIF (Tax Identification Number).
Legal fees.
Official translations of required documents.

Important Consideration

To apply for a D7 Visa and secure Portuguese residency, proof of accommodation is mandatory. This could involve renting or purchasing property, which should be factored into your overall budget.

Comparison with Golden Visa

The D7 Visa is generally more affordable than the Portugal Golden Visa

program, which requires a minimum investment of €250,000. The D7 Visa offers a cost-effective pathway to Portuguese residency, especially for those not looking to make a significant financial investment.

Benefits of the Portugal D7 Visa

The D7 Visa is one of the most accessible and appealing permanent residency plans in Europe. It offers relatively low entry requirements and a range of benefits, including:

Visa-Free Travel in the Schengen Area: The D7 Visa allows you to travel without a visa to any country in the Schengen Area.
Worldwide Visa-Free Travel: After 5 years of your legal residence, If you apply for Portuguese citizenship and a passport, you can enjoy visa-free travel to over 180 countries worldwide.
Access to Portugal’s National Health Service: The Serviço Nacional de Saúde (SNS) is available.
Access to Portuguese National Education: This includes free schooling, professional training, and vocational training.
Tax Benefits: Enrolling in the Non-Habitual Residency program may result in tax exemptions or reduced rates.
Legal Protection: You have full protection under Portuguese law and its legal system.
Work and Study Opportunities: The D7 Visa permits you to work and study in Portugal.
Path to Citizenship: After five years of permanent residency, you can apply for Portuguese citizenship and a passport.
Citizenship for Newborns: After one year of continuous permanent residency, you can confer Portuguese citizenship to any newborn children.
Fast Application Process: You can typically obtain Portuguese residency in around 5-6 months or less.

Frequently Asked Questions

Yes, you can become a Portuguese citizen with a D7 Visa. The residence permit under this visa is initially granted for one year. After this period, you can renew the visa for successive periods of two years. After five years of legal residence in Portugal, you can apply for either a permanent residence permit or Portuguese citizenship.

Yes, you can live in Portugal as a crypto trader. Bitcoin and other cryptocurrencies are tax-free in Portugal, which is why many crypto traders are moving to the country. However, it’s important to consult with a lawyer and an accountant before planning your relocation to ensure that all aspects of your move are properly addressed.

Not at all. The cost of living in Portugal is quite affordable, especially considering the quality of life there. A couple can comfortably live in a small town in Portugal for around €1,500 to €2,000 per month.

Yes, Portugal is a great place for retirement. It has attracted retirees for decades due to its high living standards, low cost of living, excellent healthcare, and numerous social activities for retirees. The Portugal D7 Visa, also known as the Portugal Retirement Visa, is a fantastic option for those looking to move to Portugal and find the perfect spot for their retirement.