Portugal D7 visa

Portugal D7 Visa: Essential 2022 Guide For Successful Applications [UPDATED]

So you’ve decided to move to Portugal? Great choice!

But before you pack your bags, there are a few things you need to know about the residency process. 

In this article, we’ll outline all you need to know about the Portugal D7 visa and how to make your application a success. 

We’ve helped hundreds of people to successfully apply for their Portugal D7 visas, so you can be confident that we know the process inside-out.  Let’s get started!

What is the Portugal D7 Visa?

portugal d7 visa

The Portugal D7 visa allows foreigners from outside the EU/EEA/Switzerland to become resident in Portugal with income from abroad. It’s a good fit for those who wish to live full time in Portugal, such as for retirement purposes. 

Although the D7 is often known as the passive income visa or retirement visa, remote work salary is (in many cases) also a valid source of income for a D7 visa application.

Other countries’ visas, such as Spain’s Non Lucrative Visa, are typically more strict about remote work and don’t usually accept it.

The inclusion of remote work has made the D7 visa increasingly popular with digital nomads as well as with retirees. 

You might also hear people talking about Portugal’s digital nomad visa. Again, that’s the D7 (although the government has plans to launch a new digital nomad visa with different requirements).

The naming reflects how flexible the D7 visa is as a way to get residency in Portugal. Its simple requirements are suitable for a wide range of people. Chances are you’re already eligible, or can easily become eligible.

So why is the Portugal D7 visa so flexible? Well, the Portuguese government has a policy of encouraging immigration in a bid to rejuvenate the country’s economy.

As a result, Portugal’s immigration processes are relatively easy when compared to countries such as the UK or the US.

Benefits of the Portugal D7 Visa

d7 visa portugal

With a D7 visa, you can get residency in Portugal and access the following benefits:

  • Visa-free travel across the whole Schengen area for up to 90 days in every 180 (if you’re from a country that needs a Schengen visa, the Portugal D7 visa will take the place of this).
  • Access high-quality state healthcare, most of which is free or low-cost
  • Bring your family to Portugal using the EU family reunification program.
  • Full Portugal residency rights without large investment needed for the Golden Visa.
  • One of the lowest monthly income passive requirements for any EU country.
  • Benefit from Portugal’s special tax program, the NHR (non-habitual residency) scheme.
  • Study, work, or launch a business in Portugal.
  • Residency in one of Europe’s most affordable countries in terms of cost of living
  • Live a peaceful and secure life – Portugal is one of the world’s safest countries.
  • Apply for Portuguese citizenship after just five years of residency.

Downsides of the Portugal D7 Visa

  • Having a regular source of passive income is key – we don’t recommend applying with only savings, unless they can reliably generate the required amount of interest to meet the minimum requirements. 
  • Lack of flexibility in physical stay requirements – For the D7 visa, you’re required to make Portugal your primary country of residence and become a tax resident too. That means you should avoid being out of Portugal for over six months consecutively or eight months non-consecutively in any one year.
  • Once you become resident, you’ll have to declare your worldwide income to Portugal every year (although the NHR scheme means you may be able to avoid actually paying tax to Portugal on that income).
  • The application process requires many documents and is subject to change according to the requirements of any specific embassy (each one has the right to set its own rules).
  • You can’t apply for the D7 from within Portugal. Instead, you have to apply at a Portuguese Embassy or consulate in either your country of citizenship or legal residence.
  • You can’t move freely to another EU country. That would require an entirely separate visa issued by the other country.

D7 Visa Requirements

portugal passive income visa

The basic eligibility requirements for the Portugal D7 visa are simple:

  • Holding a non-EU/EEA/Swiss passport
  • Having a clean criminal record
  • Having a means of passive or remote income sufficient to live on in Portugal
  • Having proof of sufficient savings to support you and any dependents for at least one year

Income requirements

Passive income 

The basic passive income requirement is at least Portuguese minimum wage (€705 per month or equivalent).

But Portugal is becoming increasingly expensive, especially in the major cities, so we recommend a minimum of €1,000 per month for a single applicant to improve your chances of a successful application.

You should add 50% of this sum for a dependent spouse, and 30% for each dependent child under 18.

Savings 

You’ll also need to show proof of having sufficient savings to support you and your family during your first year of residency in Portugal.

You should deposit those funds in your Portuguese bank account before submitting your D7 visa application.

The minimum amount is 12 x the minimum monthly income level, so 12 x €705 = €8,460. You should add 50% of this amount for a dependent spouse, and 30% for each dependent child under 18.

Types of income accepted

Here are the types of income that are generally acceptable for the Portugal D7 visa application:

  • Pension income
  • Income from renting a property
  • Dividends from investments or from a limited company
  • Salary from remote work
  • Royalties
  • Intellectual property

Other Essential Requirements

NIF (Portuguese tax number)

The NIF is a central element of everyday life in Portugal.

It’s essential for your Portugal D7 visa application, plus many other things while resident in Portugal.

You’ll need to get your NIF before starting your D7 application.

You can do it yourself using an online service like Bordr.

Or, if you’re working with a lawyer for your D7, they will get it for you as part of the application process. 

Portuguese bank account 

You’ll need to open a Portuguese bank account before submitting your D7 application.

This is where your deposit your savings for the first year.

Just like the NIF, the bank account can be created either remotely using a service like Bordr, or through your lawyer.

Apart from being necessary for the Portugal D7 visa application itself, having a Portuguese bank account from the beginning will make your daily life in Portugal easier.

Proof of passive or remote work income

Being able to financially support yourself and your family while in Portugal is the key requirement for the D7 visa.

You’ll need two main types of documents to prove income for this.

Firstly, bank statements for at least six months showing the income going into your account. (Note: it’s fine to use your home country’s bank account for this purpose).

Secondly, you’ll need proof of where the income comes from. 

For example, for remote work salary you could use payslips.

For dividends, you could show dividend vouchers or a statement from your investment account.

For rental income, you could show proof of a contract with your tenants.

For a state pension, you could show your pension eligibility letter from your government.

Proof of savings 

This one is easy – all you need to do is deposit the required amount into your new Portuguese bank account.

Proof of accommodation

In the past, many Portuguese embassies would accept an Airbnb or hotel booking for the Portugal D7 visa application.

That’s no longer the case with most embassies.

With increasing numbers of Portugal D7 visa applicants, embassies can afford to be stricter with their requirements.

Most now ask for proof of a 12 month rental agreement with a landlord in Portugal, or property deeds, before they will accept your D7 application.

We can refer you to one of our partner real estate agents, who are well-versed in helping applicants secure rental properties remotely.

They can often arrange video viewings to help you feel more secure in moving forward with the rental.

We can also arrange for a lawyer to review any rental contracts from potential landlords, or prepare a new one for you from scratch. Contact us for more details.

Alternatively, if you have friends or relatives who already live in Portugal, you may be able to submit a letter from them inviting you to live with them temporarily.

You should submit this letter at the consulate along with the rest of your documents.

Timing for the start date of the rental agreement can be a tricky issue. There’s been some confusion about getting the correct start date and making it fit in with the overall application timeline.

So we spoke to an immigration lawyer about this and got the following advice.

Ideally, the contract should start before you submit the D7 application, because then it acts as proof that you actually have an address in Portugal. However, this is often a less than ideal situation for most people.

Taking into account the D7 processing timelines of most Portuguese embassies, we recommend you aim to start your 12 months rental agreement around 60 days after your desired appointment date at your nearest Portuguese embassy or consulate.

Health insurance cover 

Once you become a Portugal resident, you can access the Portuguese state healthcare system.

But in the interim, while waiting for your residency permit, you’ll need full health insurance to cover you if anything goes wrong.

We normally recommend taking out an insurance policy with one of the following companies: SafetyWing, WorldNomads, or CIGNA Global. You’ll need to make sure all members of your family are covered.

We recommend getting cover for at least six months, but preferably 12 months to allow for any delays in issuing your residency permit. 

Criminal record certificate 

You should apply for this in the country where you’ve lived for the last two years.

If you’re applying from the US, you’ll normally need to get an FBI level certificate rather than the state level one.

For those applying from the UK, you’ll need either a DBS (Disclosure and Barring Service) check or an ACRO police certificate.

For other countries, you’ll need to confirm the exact local requirements. 

Typically, you’ll need a clean criminal record to be successful with the Portugal D7 visa application.

However, it’s still possible to apply with a minor crime on your record, as long as Portuguese law would only punish that crime with less than one year imprisonment.

If this is your situation, we highly recommend working with an experienced Portuguese immigration lawyer to handle your application.

Portugal D7 Visa Minimum Stay Requirements

There’s a lot of confusion about the minimum physical stay requirements with the Portugal D7 visa.

The basic principle is that residency with the D7 visa requires you to make Portugal your primary home and become a Portuguese tax resident. To do that, you’ll need to put a number of things in place.

Firstly, you’ll need a Portuguese address, likely the rental agreement or property deed you submitted for your D7 application.

Secondly, that address will need to be linked to your NIF on the tax authority website (note: this will happen after you successfully get your Portugal D7 visa and later your Portuguese residency permit).

In the initial stages, your NIF will be set up using your original address overseas, or the address of your lawyer. 

You’re normally considered a Portuguese tax resident once your NIF is linked to a Portuguese address.

That’s normally the point at which you can notify your home country to give up tax residency there.

From that point on, you’ll need to declare your worldwide income to Portugal every year, between April and June. 

To maintain tax residency in Portugal, you should avoid being out of the country for over six months consecutively in any one year, or eight months non-consecutively. 

Many people ask us how Portugal can check this, especially if you’re spending time in the Schengen zone where there are no border controls. The answer is, they usually don’t check.

But the danger point comes when you renew your residency permit, when the immigration authorities may ask you to prove how much time you spent in Portugal during the previous year.

If it’s insufficient, then it’s possible they could refuse to renew your residency permit. That would interrupt your timeline to citizenship and cause a lot of other problems. 

That’s why we only recommend the Portugal D7 visa for people who genuinely want to live full-time in Portugal.

If you need more flexibility, then the Portugal Golden Visa has much lower minimum stay requirements – just seven days per year.

Still uncertain about the minimum stay requirements? We can help! Schedule a video consultation now

Including family on your Portugal D7 visa application

You can bring dependent family members to Portugal with you using the D7 Visa. To do so, you’ll need proof of sufficient funds (both passive income and savings) to cover all of them. Here are the family members that can be included:

  • Spouse or long-term partner (of more than two years)
  • Dependent children under 18
  • Dependent children under 25 (as long as they’re in full-time education)
  • Dependent parents (either over 66 years old, or entirely financially dependent on you. Note: they would have to live with you while resident in Portugal)

Other relatives, such as siblings, aren’t eligible to join your application. They need to apply for their own D7 visa.

Also, if your spouse or long-term partner has their own source of passive income, we highly recommend applying for two separate D7 visas.

That typically means a faster processing time at the embassy, compared to applying with one main applicant and the second person as dependent.

Not sure if your family members are eligible? Schedule a video consultation with us.

List of required documents

  • Non-EU/EEA and non-Swiss passport, with at least six months validity (for all applicants)
  • Portugal D7 visa application form
  • Two passport photos
  • A Portuguese bank account (Bordr offers an online NIF and bank account opening service)
  • Bank statements (from any bank) dating back six months, showing proof of regular passive or remote income
  • Proof of accommodation (e.g. property deeds, tenancy agreement, or letter from friends in Portugal if you are staying with them)
  • Proof of a clean criminal record in your current country of residence
  • Private health insurance or suitable travel insurance for the first 12 months

The Portugal D7 visa application process

Getting residency with the Portugal D7 visa is a two-stage process.

Stage 1: The Portuguese embassy

The first step takes place at the Portuguese embassy or consulate in your country of citizenship or legal residency.

First, you’ll need to book an appointment with the embassy, normally through VFS Global.

In the time before the appointment, you’ll gather the supporting documents for your application.

Make sure you give yourself enough time to complete this process before the appointment, especially the criminal record certificate, which can take time to arrive.

Once you’ve got everything together, the next step is to attend the appointment at the embassy and submit your entire application package to the embassy officials.

Once you’ve done that, there’s normally a waiting time of around 6 to 8 weeks (depending on the embassy) before your visa will be ready.

The embassy will normally send your passport back to you via registered mail with the Portugal D7 visa attached to a single page. This visa is double-entry and will be valid for four months from the date of issue.

During that time, you can travel to Portugal and complete the second stage.

Stage 2: Portugal Immigration and Borders Service (SEF)

The second stage of the Portugal D7 visa process happens once you enter Portugal.

You’ll use your D7 visa to enter the country at border control. The visa allows you to enter Portugal under the status of an applicant for D7 residency, rather than with the Schengen visa or the 90 day visa-free tourist allowance (e.g. for UK or US nationals).

Your appointment with the immigration and border service (SEF) should have already been arranged for you when your visa was issued.

To find it, examine your D7 visa in your passport. You should see a printed URL.

Typing that URL into a web browser will show you the time, date and place of your residency appointment with SEF.

To deal with a heavy backlog from the pandemic, SEF has been issuing appointments all over the country. So don’t be alarmed if your appointment is in a town far away from where you’re planning to live.

At this appointment, the SEF official will capture your photo, fingerprints, and signature. They will also ask you to confirm other details including your date of birth, your profession, your parents names, and your NIF number.

Then you’ll need to pay a fee for issuing the residence permit. Once that’s done, the residence permit will be processed and sent by mail to your Portuguese address.

The timeline for it to arrive can vary, and may take a couple of months.

Once you have your residence permit, you can access all the benefits of being a Portugal resident, including state healthcare, and the right to work or open a business in Portugal.

Renewing your residency permit

The residency permit that you receive in the second stage of the Portugal D7 visa process is classed as a temporary residency permit.

That means you’ll need to renew it several times before reaching the five-year mark.

Your first residency permit will normally be valid for a period of two years. You’ll need to renew it at this point. The second renewal lasts for three years.

Permanent residency and citizenship

After maintaining your residency status for five years, you’ll be eligible to apply for permanent residency in Portugal or Portuguese citizenship.

Permanent residency requires you to renew after 10 years, while Portuguese citizenship lasts indefinitely.

Once you’ve been granted citizenship, you’ll be able to apply for a Portuguese passport.

Portuguese citizenship also gives you full rights as an EU citizen.

Having dual citizenship is a great asset, and EU citizenship in particular brings many benefits – here’s an overview:

  • Live, work, do business, study, or retire freely in the 30 countries of the EU and EEA
  • Have a safe and secure escape route in times of crisis
  • Access favorable EU tuition fees at top universities
  • Have the reassurance of enhanced consular protection around the world
  • Easily access national health care benefits, many free of charge
  • Travel visa-free to at least 153 countries
  • Benefit from EU privacy laws
  • Pass your citizenship to your spouse and descendants

Portugal D7 Visa vs Golden Visa

Let’s now examine how the Portugal D7 visa compares to the Golden Visa.

This handy chart will help you decide which one would be a better fit for you and your family.

In general, the D7 visa is best for those who don’t wish to make a large investment and intend to live full time in Portugal.

The Portugal Golden Visa is best for those who need more flexibility – either to maintain their existing life in their home country, or spend time in Portugal on their own terms.

Portugal D7 Visa Portugal Golden Visa
Physical stay requirements183 days per year7 days per year
Tax residency in PortugalRequired Optional
Passive incomeAt least €650/monthNone
Investment NoneMinimum €280,000
Citizenship timeline5 years 5 years
Access to NHR tax schemeYesYes (if tax resident)

Portugal D7 Visa: FAQs

portugal d7 visa questions

We receive new enquiries almost every day from people who want to apply for the Portugal D7 visa.

We’ve put together this handy list of frequently asked questions, which we hope will help you clarify any uncertainties about the D7.

How can I apply for the D7 visa online in Portugal?

You can’t apply for the D7 visa online in Portugal. Instead, you need to start your application at your nearest Portuguese embassy or consulate, in either your country of citizenship or legal residence.

How long does the Portugal D7 visa take?

Many embassies take from 6 to 8 weeks to process your D7 Visa after you submit your application. But that’s only the start of the process, you also need to complete the second stage at the immigration authorities within Portugal. It can take up to 6 months from beginning the D7 visa process to receiving your residency permit in Portugal.

Can you work in Portugal with the D7 visa?

Yes, once you receive your residency permit you can study, work, or open a business in Portugal.

What type of visa is the D7?

The Portugal D7 visa is a residency visa designed for people with independent means – typically passive income or income from remote work.

How long is the Portugal D7 visa valid for?

The initial visa is valid for four months. During that time you can use the visa to enter Portugal and apply for a residency permit. The first residency permit is valid for two years. After that, you can renew it for a further three years.

When should I start the Portugal D7 visa application?

We recommend starting the application process at least two months before you plan to travel to Portugal.

How long does it take to complete the entire D7 application process?

It normally takes 6-8 weeks to receive the visa. Then up to six months from starting the application to receiving your residency permit in Portugal.

What are the passive income requirements for the Portugal D7 visa?

Officially, at least €705 per month for one applicant. But we recommend a minimum of €1,000 (for the main applicant) to account for rising living costs across Portugal, especially if you want to move to Lisbon.

Can I apply for the D7 visa while I’m in Portugal?

No, you can only start the application at a Portuguese embassy in your country of citizenship, or legal residence (if the latter is different from the former.)

Can I apply for the D7 visa from outside my country of citizenship?

Yes, but only if you have legal residency in the country where you plan to apply.

Who can apply for the Portugal D7 visa?

Anyone who has sufficient passive income, is not a citizen of the EU/EEA or Switzerland, and who has a clean criminal record

Can I apply with savings but no passive income?

We don’t recommend this, unless your savings can generate sufficient interest to meet the passive income requirements.

Can I get the D7 visa with a salary from remote work?

In most cases, yes (it depends on the embassy). It’s essential that your salary comes from outside Portugal. You may also need a letter from your employer to say they will allow you to work remotely from Portugal.

Can I apply with cryptocurrency income?

Yes, but you’ll have to show proof of the cryptocurrency being converted into euros or other fiat currency.

Do I need a D7 visa if my spouse/partner is an EU citizen?

No. You can apply for residency in Portugal with your partner via EU family reunification.

Can I get Portuguese citizenship using the D7 visa?

Yes. You can apply for citizenship after five years of temporary residency, subject to meeting certain criteria

Can I use Airbnb for the accommodation requirement?

Not usually. Some embassies may still accept this, but more and more are asking for a 12 month rental contract.

How often do I need to renew my D7 visa?

The D7 visa itself is only used for your initial entry into Portugal. After that point, you’ll convert the visa to a Portuguese residency permit. The first residency permit is valid for two years, then you’ll need to renew it again after three years. At the five year point, you can choose to apply for permanent residency or citizenship instead.


Conclusion

This article has provided a detailed overview of the Portugal D7 visa, including the key requirements and what the application process involves.

In general, the D7 Visa is an excellent fit for those with passive income, such as pensions, or remote work.

If you’re interested in learning more about how to get the Portugal D7 visa, we can help.

Our experts have helped many people move to Portugal.

Plus, if you book a video consultation, we can provide a detailed overview of the process and what steps you need to take.

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