Portuguese residency for financially independent individuals. No investment, no employment, no capital lock-up.
The Portugal D7 Passive Income Visa allows non-EU retirees, investors, and financially independent individuals to live legally in Portugal without working, running a business, or making any capital investment. It is one of the most accessible and cost-effective routes to legal EU residency available today, requiring only stable passive income and proof of accommodation.
The visa is initially valid for four months, during which you enter Portugal and apply for a two-year residence permit, renewable for a further three years. After five years of legal residence you can apply for permanent residency, and after six years for Portuguese citizenship. Eligible new residents may also benefit from Portugal's NHR 2.0 tax regime, offering favourable tax treatment on qualifying foreign income for up to ten years.
It is worth noting that Portuguese legislation is currently under review, with proposals to extend the citizenship residency requirement from six to ten years. These changes are not yet law and remain subject to presidential review, but for those considering Portugal as a long-term base, acting now means securing your timeline under the current rules.
Portugal - D7 Passive Income Visa
Eligibility, Benefits, Timelines and Costs
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Eligibility
Non-EU, non-EEA, and non-Swiss nationals only
Proof of stable passive income from sources outside Portugal, such as pensions, rental income, dividends, royalties, or investments
Minimum income of €920 per month (€11,040 per year) for the main applicant, increasing by 50% for a spouse and 30% for each dependent child
Minimum €11,040 in savings held in a Portuguese bank account, with the same percentage increases applying for dependents
Proof of accommodation in Portugal, either owned property or a rental agreement of at least 12 months
Valid health insurance covering Portugal for the full duration of stay
Clean criminal record from your home country and any country of residence in the past year
Physical presence requirement: you must spend at least 16 months in Portugal during the first two-year period, and no more than six consecutive months or eight total months absent per year thereafter
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Benefits
No investment required: no capital lock-up, no Golden Visa, no minimum asset threshold
Live in Portugal without working, without running a business, and without any employment obligations
Visa-free travel across the Schengen Area, 26 countries
Spouse, dependent children, and dependent parents can be included through family reunification
Access to Portugal's public healthcare system and one of Europe's safest, most affordable, and most liveable environments
Pathway to permanent residency after five years and Portuguese citizenship after six years
Potential eligibility for Portugal's NHR 2.0 tax regime, offering favourable tax treatment on qualifying foreign income for up to ten years
Act now: proposed legislation could extend the citizenship residency requirement from six to ten years. Applications submitted under current rules lock in today's timeline
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Timelines & Costs
Processing time: approximately 12 to 18 weeks from application submission, depending on consulate appointment availability and processing times
Full setup support from €8,000, covering the initial visa application and residence permit, including legal documentation, translations, lawyer's fees, coordination with authorities, consulate preparation, and AIMA residence permit application
Ongoing renewal support is available and quoted separately based on your individual requirements
Strategic guidance on permanent residency and citizenship pathways is available throughout your residency
Applications for permanent residency or citizenship are not included and are quoted separately should you choose to proceed
Final fees may vary depending on the number of applicants, jurisdiction, and complexity of the individual case
The D7 Passive Income Visa is one of the most accessible and straightforward pathways to EU residency in Europe for financially independent individuals and retirees. With proposed changes to Portugal's citizenship timeline currently under review, now is the right time to act. Robert and Martin will review your profile, confirm your eligibility, and walk you through every step of the process, with no obligation and no pressure.
