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D7 Visa · passive income & retirement.

The D7 is Portugal's residence visa for people with stable passive income — pensions, rents, dividends or interest. In mainland Portugal in 2026, the reference amounts are €920.00 for the main applicant, €460.00 for the second adult and €276.00 for each dependent child or young person. Commonly used as Portugal's retirement visa, it is open to any applicant with qualifying passive income; consular processing typically takes 2–4 months.

Overview

What is the D7 Visa?

The D7 is commonly used by retirees and other applicants supported by stable passive income, including pensions, rent, dividends or interest. Active remote employment or freelance income is normally assessed under the D8 route rather than treated as passive income.

i

Residence for passive income earners

Designed for individuals with stable passive income from pensions, investments, rental income, or other sources.

ii

Affordable path to residence

No large investment required - just proof of sufficient passive income to support yourself in Portugal.

iii

Full residence rights

Live, work, and study in Portugal with full access to healthcare and social services.

Benefits

Why choose the D7 Visa.

i

No large investment required

Unlike the Golden Visa, the D7 requires only proof of passive income - no significant investment needed.

ii

Family inclusion

Bring your spouse and dependent children with you to Portugal.

iii

Path to citizenship

Apply for Portuguese citizenship once the legal residence period is met — 7 or 10 years under the 2026 law.

iv

Quality of life

Enjoy Portugal's excellent climate, healthcare, safety, and low cost of living.

v

Tax position

The former NHR regime has been closed to new applicants since 1 January 2024. IFICI is an activity-based incentive and does not generally apply to a retiree merely because they receive a foreign pension. Pensions and other foreign income are taxed under the ordinary rules, double-taxation treaties and, where applicable, foreign-tax credit provisions.

vi

Schengen access

Travel for short stays within the 29-country Schengen Area, subject to the applicable Schengen rules and any temporary internal border controls.

Requirements

D7 Visa income requirements.

  • iMinimum income level — in mainland Portugal in 2026, the reference amount corresponds to 100% of the national minimum wage for the main applicant: €920.00 per month.
  • iiAdditional family members — 50% for the second adult (€460.00) and 30% for each dependent child or young person (€276.00). The higher regional minimum wages in Madeira and the Azores should be checked where relevant.
  • iiiAcceptable income sources — pensions, retirement funds, rental income, investment dividends, royalties, or other passive sources.
  • ivBank account — Portuguese bank account with sufficient funds to cover at least 12 months of expenses.
  • vPortuguese address — proof of accommodation in Portugal (rental agreement or property ownership).

How we help

D7 Visa application process.

  1. Initial assessment. Evaluate your income sources and confirm eligibility for the D7 visa programme.
  2. Document preparation. Gather and authenticate required documents including income proof, criminal records, and health insurance.
  3. Portuguese bank account and NIF. We assist with opening a Portuguese bank account and obtaining your tax identification number (NIF).
  4. Visa application. Submit your D7 Visa application at the Portuguese consulate in your country of residence.
  5. Residence permit. After arriving in Portugal, apply for your biometric residence permit valid for 2 years (renewable).

Related services

  • →D8 Digital Nomad Visa for remote workers — if your income comes from active remote work rather than passive sources, the D8 may be the better fit.
  • →Portuguese citizenship by residency — after five years, an applicant may become eligible for permanent residence, but it is not automatic: the requirements include the residence period, the remaining statutory conditions and proof of basic Portuguese under the applicable rules. A nationality application may follow once the legal period of seven or 10 years is met, depending on nationality.
  • →NIF and tax representation — obtaining your Portuguese tax number is a mandatory step for the D7 application.
  • →Family reunification — bring your family to Portugal once your D7 residence permit is granted.
  • →Legal representation — we represent you before AIMA throughout your visa application and renewals.

Common questions

D7 Visa FAQs.

Yes, once you have your residence permit, you can work in Portugal. However, the primary requirement is passive income.
In mainland Portugal in 2026, the reference amounts correspond to 100% of the national minimum wage for the main applicant, 50% for the second adult and 30% for each dependent child or young person: €920.00, €460.00 and €276.00. The higher regional minimum wages in Madeira and the Azores should be checked where relevant.
If you have passive income sources (not active remote work), yes. For active remote work, consider the D8 Digital Nomad Visa.
Typically 2-4 months for visa approval, then you have 120 days to enter Portugal and apply for your residence permit.
You must maintain your primary residence in Portugal and spend significant time here, unlike the Golden Visa.
Eligible relatives may apply under the family procedure, subject to their own documentary, financial and procedural requirements.
No. A visa and residence permit do not automatically confer a tax incentive. NHR is closed to new applicants and IFICI depends on an eligible activity. Tax treatment must be assessed according to the income, residence position and applicable treaty.
The D7 is commonly used as Portugal's retirement visa, but it is not limited to retirees: any applicant with stable passive income — pensions, rents, dividends or interest — may qualify, subject to the minimum income requirement.
A D7 refusal is not the end of the road: you can appeal or reapply. Refusals are frequently based on insufficient proof of passive income or accommodation; we analyse the grounds of the decision and advise whether an administrative appeal or a corrected resubmission is the better course.
The main trade-offs are: it requires genuinely relocating (effective residence in Portugal, with limits on absences); becoming a Portuguese tax resident has consequences that should be planned before the move; income must be passive and documented, which excludes active remote work (that is the D8); and consular scheduling can add months to the timeline.

Last legal review: 19 July 2026. This information is general and does not replace individual legal advice. It does not constitute a guarantee of any outcome. The applicable framework depends on the law in force and the specific circumstances of each case.

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Ready to retire or relocate to Portugal?

Book an initial consultation to assess the passive-income evidence, the required documents and the D7 application steps.

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