Portugal D7 Visa – The Portugal Retirement Visa for Passive Income Earners
Discover everything about the Portugal D7 Visa often called the Portugal Retirement Visa or Passive Income Visa: eligibility, income requirements, application steps, tax benefits, comparisons with Spain & Thailand visas, and how to get started with expert help from MetConnect.

The Portugal D7 Visa – often called the Portugal Retirement Visa or Passive Income Visa – is a type of long-stay residence visa for non-EU/EEA/Swiss nationals who can financially support themselves (for example, on pensions, dividends, rentals or other passive income).
It grants two entries and is valid for 4 months (120 days) to enter Portugal, after which the holder must apply for a residence permit. This visa is intended to attract retirees, remote workers and other “passive income” earners to live in Portugal. In short, the D7 is ideal for anyone who wants Portuguese residency without a large investment – as long as you meet the income and documentation requirements.
Key beneficiaries of the D7 are retirees living on pensions, property owners earning rent, investors with dividends, or others with stable monthly income from abroad. Unlike some visas, the D7 explicitly allows the holder to work remotely in Portugal or even engage in local professional activities (the Portuguese government notes holders are “not precluded from having a professional activity in Portugal”).
Dependents (spouse, minor or dependent children, dependent parents, etc.) can apply together under family reunification. In effect, the D7 visa is Portugal’s way of inviting financially self-sufficient foreigners – often retirees – to settle in the country.
Portugal D7 Visa Requirements
To qualify for the Portugal D7 (Passive Income/Retirement) Visa, applicants must satisfy the following general criteria:
In summary, eligibility hinges on financial means. The Portuguese consulate checklist explicitly says D7 is for those “who wish to reside in Portugal based on their own income, such as pensions, property rents, company profits and dividends (passive income holders)”. In practice, meeting the income threshold and providing all documentation (with proper legalization/apostille and translations) are the core hurdles. (MetConnect’s services can support you here – see [ NIF Portugal] and [ Bank Account Portugal] in their Our Services
Document Checklist for Portugal D7 Visa Application
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Step-by-Step Application Process
Applying for the D7 visa involves multiple steps, which may vary slightly by country, but generally include:
Each of these steps is critical. Once the visa is granted, MetConnect’s advisors can also help you schedule the AIMA appointment and prepare for the interview. Our team offers full support – and provide “comprehensive assistance tailored to meet the needs of [our] clients” looking to reside in Portugal.
Portugal D7 Visa Application Timeline
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Renewal & Path to Residency/Citizenship
After receiving your initial residence card, the renewal and permanence timeline is:
In short, D7 is a “pathway” visa: one can renew the residence permit until the 5-year mark and then apply for permanent residency or citizenship.
During these years, you must continue to meet the core requirements: not lapse on passive income or insurance, and maintain the minimum presence in Portugal (the 6 months/year). In practice, most D7 holders go back to AIMA every 1-2 years for renewals. Each renewal will again require proof of accommodation, income, health insurance, etc. MetConnect assist clients with each renewal (e.g. updating documents, booking the AIMA appointment, etc.) to ensure compliance.
Typical Portugal D7 Visa Cost Breakdown
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Tax Benefits and NHR Status
One big attraction of Portugal historically has been its Non-Habitual Resident (NHR) tax regime. Under the old NHR rules (now closed to new applicants), qualifying new residents could pay very favorable taxes for 10 years: a flat 20% rate on most Portuguese income and 0% tax on most foreign-sourced income (including dividends, interest, rental income, etc.). In particular, foreign pension income was often fully exempt (0%) for NHR retirees.
However, recent changes have curtailed these benefits for new applicants. As of December 31, 2023, Portugal’s government ended the old NHR program for newcomers. A transitional window existed through early 2024 for those who already met certain conditions, but for most new applicants it’s gone.
This means new D7 entrants can no longer expect the old 10-year tax breaks. Those who qualified under the old rules by late 2023 can still apply through early 2024, but everyone else must live under the new regime (sometimes called “ IFICI”). Under the new rules, most foreign income (especially foreign pensions) is taxed normally or with limited relief. For example, new NHR (IFICI) now imposes a 10% flat tax on foreign pensions instead of 0%, and only exempts professional (employment/self-employment) income.
Nonetheless, Portugal still offers a relatively attractive tax environment: there is no wealth tax or inheritance tax for direct heirs, and the general personal income tax rates (14.5%–48%) are comparable to other EU countries. Even without NHR, many retirees benefit from lower living costs and still-pay tax mainly on local pensions/earnings. It’s wise to consult a tax professional. MetConnect offers an NHR Tax Consultation service to guide you on the current tax rules and whether any transitional benefits might apply.
Lifestyle Appeal
Beyond formalities, the lifestyle in Portugal is a major draw for retirees and remote workers alike. Portugal is known for its mild climate, scenic beauty, and high quality of life. Even in winter, coastal areas like the Algarve enjoy moderate weather. The country is safe – ranked 7th safest in the world by the Global Peace Index – and boasts a relatively low cost of living compared to Western Europe.
Public healthcare is excellent, and as a legal resident you get access to the Portuguese National Health Service (SNS). (In fact, after your residency permit is approved you can register for SNS and use public healthcare like any citizen.) Portugal also has high-quality private health care.
For retirees, Portugal’s quiet coastal towns and historic cities are particularly popular. Lisbon and Porto offer cultural amenities and healthcare, while regions like the Algarve (e.g. Faro) and Silver Coast are famed for sunshine, beaches, golf, and expat communities. For example, Lisbon “is renowned for its vibrant culture…with a mild climate, excellent healthcare facilities, and a relatively low cost of living compared to other Western European countries”. The Algarve (“sunset capital of Portugal”) enjoys over 300 days of sun and has large English-speaking retirement communities. Foreigners consistently report that locals are friendly and many Portuguese speak English, making daily life easier.
For remote workers, Portugal has good internet and co-working options (especially in Lisbon, Porto, and large towns), and the one-year D7 visa can be renewed indefinitely by meeting requirements. Its time zone (Western European Time) is convenient for communicating with both American and European contacts.
Portuguese culture is relaxed and community-oriented, and the country’s historic towns, rich cuisine and wine, and stunning landscapes provide a high quality of life for those who can afford it. As one expat guide notes, Portugal’s benefits include “a budget-friendly option for savings… excellent education and healthcare systems” and “a safe environment” with exceptionally low crime.
Portugal vs Spain vs Thailand Retirement Visas
Below is a feature-by-feature comparison of Portugal’s D7 (Passive Income) Visa, Spain’s Non-Lucrative Retirement Visa, and Thailand’s Retirement Visa (Non-Immigrant O-A). These are popular long-stay visas for retirees, but they have different rules and costs.
Portugal D7 Visa (Retirement/Passive-Income Visa)
Move to Portugal with the D7 Visa, ideal for retirees and passive-income earners. Enjoy Schengen travel, family reunification, and a path to EU residency.
Spain Retirement Visa (Non-Lucrative Visa)
Retire in Spain with the Non-Lucrative Visa. No work allowed, but enjoy Schengen travel, top healthcare, and apply for permanent residency after 5 years.
Thailand Retirement Visa (O-A Long Stay)
Retire in Thailand with the O-A Visa. For applicants 50+, offering low cost of living and tropical lifestyle. No work, but renew annually and stay long-term.
This comparison highlights major differences. In short, Portugal’s D7 requires the least income among the three (about €870 vs €2,400 vs ≈65,000 THB), allows family reunification and even local work, and leads to EU residency.
Spain requires more funds but similarly allows families, though it forbids working.
Thailand mandates an age over 50 and health insurance; it allows retirement in a tropical setting but provides no path to permanent residence and is limited to Thailand itself. Which visa is best depends on your priorities (e.g. EU access vs. climate vs. family).

D7 vs. D8: Which is Right for Remote Workers?
While the D7 Visa is ideal for retirees and passive income earners, those who actively work remotely and earn from abroad may also qualify for Portugal’s D8 Digital Nomad Visa.
If your income is active and higher, D8 may be the faster, clearer path. MetConnect offers [ D8 Digital Nomad Visa] services as well.
Frequently Asked Questions
Any non-EU/EEA/Swiss citizen with steady passive income can apply. It’s commonly used by retirees living on pensions, rental or investment income, or by digital nomads with long-term clients. There is no upper age limit – both young and old can qualify, as long as the income criteria are met.
You must prove a minimum passive income roughly equal to the Portuguese minimum wage. As of 2025, this means about €870 per month (≈€10,440 per year) for you alone. If you have a spouse, add another 50% of that amount (≈€435 more per month); for each child under 18, add about 30% (≈€261 per month). In practice, show bank statements or pension/legal documents totaling at least one year’s worth of the required income. All income must be stable and “passive” (pension, rents, dividends, etc.).
You need a complete visa application package including: a filled visa application form, passport (valid 1+ year), two passport photos, proof of passive income (pension statements, rental agreements, bank statements, etc.), travel/health insurance certificate, criminal record certificate (apostilled), and proof of accommodation in Portugal (rental contract or ownership). You may also need a Request for Criminal Record Inquiry form from SEF. In short, bring identity documents, financial proof, health insurance, and address proof. (MetConnect’s services can help you obtain many of these: see [NIF Portugal] for the tax ID, [NISS Portugal] for social security, [Bank Account Portugal] for local accounts, and [Rental Contract] to formalize housing).
No, Portuguese is not required to get the visa. You can apply and live in Portugal without any knowledge of the language. However, for citizenship (after 5 years) you will need at least a basic (A2) level. Portuguese officials and many people in urban areas do speak English, but learning some Portuguese will certainly help with daily life.
Yes – the D7 visa does not forbid work. In fact, holders are explicitly allowed to engage in professional activities in Portugal. What cannot happen is reporting employment as “passive income” for the visa requirement. Your qualifying income must be from abroad or passive sources. But once living in Portugal on D7, you can also do local remote work, freelance, or start a small business just as a resident. (This distinguishes D7 from Spain’s Non-Lucrative visa, which forbids any work.)
You must actually reside in Portugal, not just visit. Legally, D7 residents should spend at least six months (183 days) per year in Portugal. Stated another way, you must stay at least 16 out of each 24 months in Portugal during your first two-year permit. If you leave Portugal for too long, you risk losing your permit. In practice, plan on making Portugal your primary home.
Processing times vary by country and workload, but D7 visas often take several weeks to a few months. Some reports say the consulate may approve the visa in as little as 3 weeks once all documents are submitted. However, appointments can be delayed and AIMA appointments in Portugal can be months later. Plan accordingly and apply well before you intend to move.
Use the visa to enter Portugal, then complete the residency steps: register your address at the local Junta, open a bank account, and go to your scheduled AIMA appointment for the residence permit. Once the residence card is granted, you’ll be a legal Portuguese resident. After that, you can access health care, get a NISS (social security number) if needed, etc. In short, after arrival you must quickly handle these formalities – MetConnect can guide you with each step, including booking the AIMA appointment and preparing your application at SEF.
Yes. Your spouse, children (even adult dependent children), and dependent parents are eligible for family reunification under the D7 visa. You must prove the relationship (marriage/birth certificates, apostilled) and show you can support them. Each family member will get their own residence card once approved.
Once your residence permit is approved, you can register for Portugal’s public health system (SNS) and receive care like a resident. During the visa application, however, you must have private health insurance. Many expats carry private plans initially and then sign up for SNS (or stay on a private plan) after legal residency is granted.