D7 (Retiree) | Visas.pt

D7 (Retiree)

The most popular route for retirees, remote pensioners, and passive income earners. Lawyer-backed support from application to residency.

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Who can apply
Non-EU / EEA citizens
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Income type
Passive income required
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Minimum income (2026)
€920 / month
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Residency requirement
183 days / year

The Portugal D7 visa is a residency permit for retirees and passive-income earners — supported by pensions, rental income, dividends, or investment drawdowns rather than employment. It requires a minimum passive income of €920/month in 2026 (plus 50% for a spouse and 30% per dependent child) and a matching bank deposit equal to one year's income, with legal packages starting at €1,595.

Is This Visa Right For You?

The D7 works for some — and not others

Understanding who qualifies before you apply saves time, money, and frustration. Here's the honest picture.

✅ The D7 works if you—
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    Receive a government or private pensionA regular monthly pension from your home country is the most common income type we see.
  • 🏠
    Earn rental income from propertyIncome from one or more rental properties qualifies as passive income.
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    Live off dividends, royalties, or investmentsDividend income, royalty payments, or regular drawdowns from investment portfolios all qualify.
  • 👨‍👩‍👧
    Want to bring your familySpouse and dependent children can be included at a 50% / 30% income add-on respectively.
❌ The D7 does NOT work if you—
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    Plan to work for a Portuguese employerEmployment income doesn't count as passive income. You'd need the D1 visa instead.
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    Are a freelancer or self-employedSelf-employment income isn't considered passive. Freelancers typically apply for the D2 or D8 visa.
  • ✈️
    Can't spend 183 days a year in PortugalThe D7 requires genuine residency — spending less than the minimum puts your renewal at risk.
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    Don't have the minimum monthly income€920/month is the 2026 threshold. Below that, you'd need a different approach.

Not sure whether you qualify? Book a free 15-minute call and our immigration lawyers will tell you exactly where you stand — no commitment required.

Get a Free Eligibility Assessment →
Requirements

Income thresholds & documents for 2026

Portugal sets two financial requirements for the D7, both updated annually.

  • 1.Ongoing income: €920/month for the main applicant, +€460/month for a spouse (50%), and +€276/month per dependent child (30%).
  • 2.Bank deposit: The equivalent of one full year's income must be held in a Portuguese bank account at the time of application — €11,040 for the main applicant, +€5,520 for a spouse, and +€3,312 per child.
Minimum Income Requirements Calculator
Enter your household size to see your 2026 threshold
Adults
1
Children
0
Income requirement
Minimum monthly income €920
Minimum annual income €11,040
Bank deposit requirement
Must be held in Portuguese bank account €11,040

Based on 2026 Portuguese immigration guidelines. The bank deposit and annual income requirement are the same figure — one year of your minimum threshold. Figures are indicative; contact us for a precise assessment.

Other documents you'll need

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NIF (Portuguese Tax ID)
Required before you can open a bank account or submit your visa application. Included in our service packages.
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Portuguese Bank Account
You need an active Portuguese bank account to show proof of funds. We assist with remote account opening. Included in packages.
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Criminal Background Check
From your home country (and any country where you've lived for 12+ months), issued within the past 90 days.
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Proof of Accommodation
A 12-month rental lease or property deed in Portugal. We can connect you with our property finder service if needed.
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Health Insurance
Minimum €30,000 repatriation coverage for the entire Schengen area. Must be valid in Portugal throughout the visa period.
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Minimum 183 Days in Portugal
You must spend at least 183 days per year in Portugal to maintain residency status and qualify for renewal.
The NIF and bank account are included in our Complete Visa Package and Complete Visa Package Plus — two of the most time-consuming steps, handled for you from day one.
Why the D7

Live in the EU without a €500,000 investment

Unlike the Golden Visa, the D7 requires income — not capital. For most retirees and passive earners, it's the clearest path to a new life in Portugal.

🇪🇺
Full EU Residency
Live, work, and study in Portugal legally. Your residency card is recognised across the EU.
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Schengen Travel
Travel freely across 27 Schengen countries without a separate visa — for up to 90 days per country.
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Path to Permanent Residency
After 5 years of legal residency, apply for permanent residency — and Portuguese citizenship after 5 years of that.
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No Minimum Investment
The D7 requires no investment, unlike the Golden Visa (€500,000+). Income, not capital, is what matters.
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Family Reunification
Bring your spouse and dependent children under the same application. Each family member receives their own residency card.
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Favourable Tax Treaties
Portugal has tax treaties with the US, UK, and most EU countries that can reduce or eliminate double taxation on pension income.
Ready to apply?
Choose your level of support
Complete Visa Package €1,595
Everything you need from first consultation to approved D7 visa
★ Most Popular
Complete Visa Package Plus €2,810
Complete Visa Package + property finder, tax consultation & lawyer at AIMA
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2nd applicant 50% off — Children 70% off
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Pricing

Choose the right level of support

No hidden fees. No surprises. Every package includes your NIF and bank account setup, with a 50% discount for the second person and a 70% discount for dependants.

Complete Visa Package (Retirement)
€1595
For retirees who want to spend their retirement years in Portugal
  • Determine if the D7 visa is suitable for you
  • NIF & Bank account assistance included
  • Document checking and guidance before submission
  • Unlimited email support for all your inquiries
  • Video consultations with immigration lawyer
  • Access to a live interpreter for your visa interviews
Talk to Us Add to Cart
★ Most Popular
Complete Visa Assistance Plus
€2810
Everything in the Complete Package, with three powerful additions
  • Everything in the Complete Visa Package
  • Consultation with Tax Lawyer
  • Property Finder
  • File and Accompany you for your AIMA Appointment
🗣️ Free Portuguese lessons to A2 included
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FAQ

Questions about our D7 (Retiree)

The D7 — Portugal's Passive Income Visa, often called the retirement visa — grants residency to non-EU citizens who can prove regular passive income such as pensions, rents, dividends, or interest. It's the most popular route for retirees and financially independent people, and requires no investment.

The 2026 minimum is €920 per month (€11,040/year) for the main applicant, plus 50% for a spouse (€460/month) and 30% per dependent child (€276/month). You must also show savings in a Portuguese bank account equal to at least 12 months of the threshold — €11,040 for a single applicant, €16,560 for a couple.

Qualifying passive income includes state and private pensions, rental income, dividends from shares or funds, royalties, and interest. Salaries, freelance contracts, and self-employment income do not count — if your income comes from active work, the D8 Digital Nomad Visa or D2 Entrepreneur Visa is the correct route.

Yes — the D7 is Portugal's primary retirement visa. A state or private pension meeting the €920/month threshold qualifies directly. Retirees also gain access to Portugal's SNS public healthcare after residency, and may benefit from double taxation treaty planning on their pension — which we cover in your consultation.

Core documents: passport, proof of passive income (12 months of statements), Portuguese bank account with subsistence savings, NIF number, 12-month rental contract or property deed in Portugal, criminal record certificate (apostilled), travel insurance, and the consulate application forms. Our lawyers prepare, review, and organise the complete file.

About 4–6 months in total: NIF ~7 business days, bank account 4–6 weeks, consulate processing 8–16 weeks depending on your country, then the AIMA residence appointment in Portugal. Your first residence card is valid 2 years, renewable for 3.

The D7 assumes genuine residence: as a rule you shouldn't be absent more than 6 consecutive months (or 8 non-consecutive months) per permit period without justified reasons, or renewal can be at risk. If you want residency with minimal stay obligations, the Golden Visa (7 days/year) is the better route.

Yes. Permanent residency is available after 5 years of legal residence. Under the Nationality Law in force since May 2026, citizenship requires 10 years of residence (7 for EU/CPLP nationals) counted from your first residence card, plus A2 Portuguese and a civic test. We build this into your long-term plan from day one.
Ready to Start?

Ready to make Portugal your home?

Book a free 15-minute call. We'll confirm your D7 eligibility and map out exactly what you need — no commitment required.

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Complete Visa Package (Retirement)
€1595
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