D7 Visa Portugal – A Basic Guide

42 Comments

Our Guide to Portugal D7 Visa

If you’re a non-EU citizen looking to move to Portugal with passive income, the D7 visa is probably the best option for you.

If you are a pensioner, investor or entrepreneur, the D7 visa entitles you to reside in Portugal, with basis on your passive income.

In this article we will explain the requirements and how to obtain the D7 visa.

The D7 visa differentiates itself from Golden Visas by being extremely affordable, with no minimum investment required, but it does require that you live in Portugal for a longer period of time and might have some tax implications on your income. But if you intend to live in Portugal most of the time, we believe it is a much better and quicker solution.

It is affordable and allows non-EU citizens to get Portuguese residency as long as they have sufficient funds to support themselves during their stay in Portugal.

This visa is ideal for pensioners, investors or entrepreneurs who want to live in Portugal without having to make a major economic investment.

The D7 visa can then be renewed after one year for two successive periods of two years and can be converted into a permanent residence permit after five years.

What are the benefits?

  • Faster visa application process than the Golden Visa
  • Free entry and circulation in the Schengen area for the duration of the visa
  • You can live, work and study in Portugal
  • Tax benefits via Non Habitual Resident (NHR) scheme
  • Use of the Portuguese health care system, which is Government funded and has minimal fees
  • Spouses and children can be included in the visa

How to get the D7 residency visa Portugal?

To obtain the D7 Residency Visa, you need to go through two different steps:

  1. Apply in your home country via Portuguese Embassy or Consulate for a temporary D7 Visa (which lasts for four months)
  2. Get an appointment with SEF – Serviço de Estrangeiros e Fronteiras (Portuguese Immigration Department) in Portugal, who will deal with D7 Residency Visa.

First step  – Present all the necessary D7 application documents to a Portuguese Embassy or Consulate in your country. If your application gets approved, the embassy will give you a temporary visa allowing you to travel to Portugal. This temporary visa is valid for four months from the date it is issued.

Second step – Once the temporary visa is issued, set an appointment with SEF. This appointment is a personal interview and you will need to present any additional documentation as necessary. SEF will advise you of this. If this interview is successful, you will be issued a D7 Residency Visa for one-year,  which is then renewable twice, each visa lasting for two consecutive years (total of 5 years). At the end of these 5 years you can apply for permanent residency in Portugal.

What are the D7 visa requirements?

You need to:

  • Be a non-EU national
  • Have sufficient funds/income to support yourself (and your family if applicable) during your stay in Portugal
  • Have a clean criminal record

Which are the income requirements?

In order to obtain the D7 Visa, applicants must show that they have a minimum income or pensions for a 12 month-duration of:

  • €7.200 for the first adult (Portuguese minimum wage)
  • €3.600 for second or more adults (half the minimum wage)
  • €2.160 per child

Please be aware that this income in linked to the Portuguese minimum wage, which increases every year. It currently stands at €7,200 euros, but is already set to increase in 2021.

What do I need to complete the application form?

The D7 visa Portugal required documentation is:

  • D7 application form
  • A valid passport
  • 2 passport-sized photographs
  • Proof of regular income or passive income
  • Proof of a place to live
  • Criminal background record from your country of origin
  • Valid travel insurance with health coverage
  • 6 months of bank statements

Please bear in mind that you are likely to need to provide certified translations of these supporting documents. The Portuguese Embassy or Consulate should be able to provide you with contacts of official translators, that can carry out this work for you.

What is the visa processing time?

It can take up to 60 days to get the temporary four-month visa in your home country, from the moment you submit all the required information.

The timings for the permanent D7 Visa will depend on where you are applying from in Portugal. Getting an appointment with the SEF can take up to 120 days if you live in Lisbon or Porto. However, it is usually much faster in smaller towns. But be aware that current COVID restrictions are delaying this process overall, so get clarification from your local SEF office.

So, to summarise the steps to get the D7 visa:

  1. Apply for the temporary D7 visa from your home country
  2. Book an appointment with SEF in Portugal once you have the temporary visa
  3. Attend your SEF interview and present additional documents
  4. Get your D7 Residency Visa

Are there tax benefits with the D7 Visa?

If you have the D7 Residency Visa, you are entitled to benefit from Portugal’s Non-Habitual Resident (NHR) Tax Regime. The NHR is a generous tax program with benefits in relation to your global income. It offers tax-free incentives on certain categories for a period of up to ten years. Check our article on this topic here.

Below are the types of income that may qualify under the NHR program:

  • Dividends
  • Real estate income
  • Capital gains from the disposal of real estate
  • Occupational pensions
  • Royalties
  • Business and self-employment profits derived from eligible occupations (but be mindful of relevant double taxation agreements)

As of 2020, pensioners registering for the NHR tax scheme are now taxed at a rate of 10%.

We strongly advise you to contact a good accountant with expert knowledge in the Portuguese NHR scheme, so you understand the tax implications for your income, before you apply for the D7 visa.

We hope this article has made clear to you the benefits of the D7 Visa. If you are interested in applying for the D7 Visa, get in touch with your local Portuguese Embassy or Consulate. and remember to get in touch with Portuguese Dream when you are looking to buy that dream property of yours! Just have a look at some of our recent properties below or search for something more particular on our Advanced Search page.

DISCLAIMER: The information on this article is correct at the time of writing, but we always advise to get the most up to date information either through the Portuguese Embassy or Consulate in your home country or by contacting SEF in Portugal.

Share

Comments

  1. Reply Catherine W

    Hi- how can you show proof of residency to apply if you are applying before you even get to portugal? thanks

  2. Reply Helen Venables

    Hi, my husband and I are planning to retire in Portugal. I can see in your information that we would need ‘valid travel insurance with health coverage’ to apply for a D7. Can you please let me know how long this travel insurance would need to be for?

  3. Reply Simon

    Hi,

    In the main article, it states that “You can live, work and study in Portugal”.

    But in the response to the message from Geoffrey on May 15 2021, you respond that “The D7 visa is not a working visa and it’s for Portugal only. Be very careful with the choice of visa and understand its limitations before applying.”

    Can you confirm whether somebody on a D7 visa and their adult dependents can work within Portugal? And whether, if they are tax -resident in Portugal, they can work in the rest of the Schengen Zone on a free-lance basis?

    Can you also elaborate on the limitations of the visa?

    • Ricardo

      Hi Simon
      First I want to clarify that we are not qualified to provide advice and you should always ask for direct guidance from either SEF or a specialized lawyer. Regarding being able to work, my understanding is that you can only exercise work activity as an independent professional. For further advice on your specific situation please get specialised advice.
      Thanks
      Ricardo

  4. Reply Reza

    Hi
    what are the SEF interview questions in Portugal?
    Thanks

  5. Reply Geoffrey

    Hello, once the D7 visa has been sorted, and you are then permitted to work in Portugal, does the D7 also extend to working in other EU countries? Thanks.

    • Ricardo

      The D7 visa is not a working visa and it’s for Portugal only. Be very careful with the choice of visa and understand its limitations before applying. If you are unsure speak with your local Portuguese consulate or embassy or take proper legal advice.

    • Keith Haime

      Can we apply for residence in Portugal having traveled from the UK?

    • Ricardo

      You should apply with the consulate in your country of origin before travelling. I’m not sure if you can start the process once in Portugal. Best thing is try to get in touch with SEF.

  6. Reply Phil Ashton

    One of the comments here suggests that you have to remain in Portugal for a minimum of 183 consecutive days. Is this correct or is the requirement a total of 183 days minimum in any 12 month period .

    • Ricardo

      Hi Phil, it’s minimum 6 consecutive months or 8 non consecutive months for each 12 months.

  7. Reply Firuz

    how do they actually track down the time that you are actually in Portugal since it is travel free zone? Passport wont even be stamped when entering other schengen countries. Im asking this because i want to apply for this visa but because i want to be able to be closer to my partner who is living in germany.

  8. Reply James

    If I have 20,000 euros in savings, would this satisfy the ‘passive income’ criteria? Or would it need to be an ongoing regular income? Thanks in advance

    • Ricardo

      As I mentioned on previous comments, it’s really difficult to tell you exactly what you need to do, due to individual circumstances. Besides, we are not qualified to provide specific advice. Have you tried to contact SEF or the Portuguese Embassy yet? There are also different help groups for Expats on Facebook that might be able to provide some advice, although the best course of action is to get advice from a specialist lawyer in Portugal.

  9. Reply Sediqi

    Hi,

    If I have enough fund to maintain my living cost for more than 1 year than am I eligible for D7 visa? I mean, if I don’t have any monthly income but I have already saving for more than 12 Months.

    • Ricardo

      As I mentioned on previous comments, it’s really difficult to tell you exactly what you need to do, due to individual circumstances. Besides, we are not qualified to provide specific advice. Have you tried to contact SEF or the Portuguese Embassy yet? There are also different help groups for Expats on Facebook that might be able to provide some advice, although the best course of action is to get advice from a specialist lawyer in Portugal.

  10. Reply KMG

    My husband and I are planning to move to Lisbon in 2022.
    As of now, my understanding is that we would have to prove annual income of more than 10,800 euros. Additionally, we would have to show 8000 euros parked in our Portuguese bank account. We would prove all of this through our US and Portuguese banks statements. Is that correct, as of right now 3/2021?

    What type of proof would we need from our employers for proof of employment?

    How long do we need to leave the 8000 euros in the Portuguese bank?

    • Ricardo

      Hi there. It’s really difficult to tell you exactly what you need to do, due to individual circumstances. Besides, we are not qualified to provide specific advice. Have you tried to contact SEF or the Portuguese Embassy yet? There are also different help groups for Expats on Facebook that might be able to provide some advice, although the best course of action is to get advice from a specialist lawyer in Portugal.

  11. Reply Camar

    Hello,
    My parents are planning to retire to Portugal through the D7 visa. Their pensions allow both of them to meet the financial requirements; their plan is to sell their house here in the UK, then travel over to Portugal where they will rent accommodation until they find a house to purchase.
    Having read the information above, I have seen that one of the requirements is that they must show proof of having a place to live. Does this mean that they must purchase a home first and then apply for the D7 visa, or are they able to show rental accommodation as their proof while applying for the visa to then go on and purchase a property once it is obtained?

    Many thanks for any information you can give.

    • Ricardo

      An official rental agreement should cover that requirement. No need to buy a property. The difficulty could be to get a rental where the landlord will want to give you a contract, but that’s a different conversation. Unfortunately a number of landlords in Portugal still prefer to do things “under the table”, as to avoid taxes. So, your parents just need to be careful when looking to rent a property and ensure this is discussed and agreed beforehand.

  12. Reply Ashyy

    Hi, I have a significant amount of savings I can show in a bank balance (70k USD) + income flowing from properties in India which is equivalent to the Portugese minimum wage per year, but I’m only 25 years old. If I want to obtain the D7 visa, would I be allowed to after applying to the country during the 2+3 year period, be able to work at any jobs in the country? And if so, when extending te 2 year permit to 3 years, will the Portugese authorities be weary of giving me the extension and/or allowing me to apply for a PR in 5 years?

    • Ricardo

      My understanding is that with the D7 visa you can work as an independent professional, but not be employed by someone in Portugal. Your age doesn’t come into the equation. If you want to be employed then you need an employment contract beforehand, your employer needs to get a work permit, so you can then apply for a work visa. I think that is a more complex route than D7, in particular since you seem to have the savings and income to meet those particular requirements. If you work (employed) in Portugal under a D7 visa, you might well be breaking the conditions set by the visa, and for that there’s usually consequences. You might be best to get the advice of a lawyer on this matter so you can decide what your priorities are.

    • Rahim

      Hi
      I would like to ask about the age of children for family reunion in d7 visa. My doughter is 19 , can she be included if I apply for this visa or not. If yes does she earn all of benifits of the visa such as free education or not?

      Recently she is university student in Iran and dependent to me.

    • Ricardo

      Hi Rahim, she should be able to come in under the D6 visa, otherwise she can try a student visa. But that depends on acceptance of equivalence of degrees, she might need to do some access tests. Have a look at our article on the D6 visa for family reunification https://www.portuguesedream.com/d6-visa-or-family-reunification-visa-for-portugal/ . Have you tried to speak with the Portuguese Embassy in Tehran?

    • Rahim

      Can she be included in d7 visa from beginning?
      She can neglec her 1 year of study in Iran and begin again in Portugal

    • Ricardo

      My understanding is that because she is no longer a minor under Portuguese law, she can only join you under a D6 visa (family reunification), if she is studying or accepted to study in Portugal. You should in the first instance contact the Portuguese Embassy for assistance and clarification with this.

  13. Reply Nick

    If I get the D7 visa, how long do I have to stay in Portugal?

    • Ricardo

      At least 6 consecutive months per year (some cases 8). There are grey areas, where if justified you can spend less time than that. But that is open to interpretation by the Portuguese Home Office, so should probably be the exception rather than the rule.

    • Firuz

      how do they actually track down the time that you are actually in Portugal since it is travel free zone? Passport wont even be stamped when entering other schengen countries. Im asking this because i want to apply for this visa but because i want to be able to be closer to my partner who is living in germany.

    • Reza

      Hi
      Maybe from banking transactions

  14. Reply Glenn

    Hello,
    We currently rent in the UK, where I am a self-employed lawyer. We could rent in Portugal but that would just be to satisfy the consulate as our strong preference would be to live full-time in our motorhome. Would this be acceptable on a D7 visa application?

    We have savings and some pension income but I am 64 and want to semi-retire, continuing with some work for at least 18 months, until our UK state pensions are payable. My work is all online and can be done from anywhere. Do you see a problem with this approach?

    • Ricardo

      Hi. I’m afraid we are not qualified to advise you. On the income front, as long as you meet the minimum requirements that should not be an issue. Regarding living in a motor home I really cannot comment. Your best port of call on the first instance will the the Portuguese consulate in Manchester or the Portuguese Embassy in London.

    • Graham Jenkins

      Hi,
      How are spouses (or any other second applicants) D7 visa applications linked? In our case my wife’s pension well exceeds the 100% minimum wage rule, however my pension only exceeds the 50% rule. Are the D7 forms cross referenced to each other or does the higher earner complete a D7 and the lesser earner complete a D6?
      Many thanks

    • Ricardo

      My understanding is that it all comes under the D7 application, but you need to apply as a couple and not single individuals. We’re not really experts in this matter or have any qualifications to be able to advise. You’re best to contact your nearest Portuguese Embassy for clarification on that point. There might well be a slightly different form for couples applications.

  15. Reply Emi

    What if I don’t have a monthly income, but I have more than 100.000 u$s in my bank account, would that be ok to prove I can support myself for a year ? also is there a limit of how many days can I be outside Portugal when having this visa ? oh and also, do most people speak English over there ? Thanks

    • Ricardo

      It might be acceptable, but it will depend on all your individual circumstances and if this satisfies the officer reviewing your application. Yes, with the D7 visa there’s a limit on many days you can spend outside the country, but it also depends if there are extenuating circumstances for you to do so. I suggest in the first instance that you contact the nearest Portuguese Embassy with your questions. And yes, most people speak English in Portugal, in particular anyone under 50.

  16. Reply Evan Thibaud

    What is the best bank to use to set up this process?

    • Ricardo

      It doesn’t make much difference for the process itself which bank you use. In terms of customer service, BPI usually has a very good rating from expats – https://www.bancobpi.pt/en/retail

  17. Reply Evan

    If I apply feb 1st of 2021 and go through the process and am approved of the D7 visa. When are the tax benefits realized or kick in? 2021? or 2022?

    • Ricardo

      Hi Evan. The D7 Visa itself does not give you any tax benefits. For that you need to apply for NHR status immediately after you get your visa. To be able to acquire NHR status you need to have income through a pension or if you are working in Portugal, your profession must be considered as high value. We have an article about NHR on this link https://www.portuguesedream.com/non-habitual-resident-article/ . I advise you to speak with a specialized tax consultant for you to understand the tax implications for all your sources of income and what the best set up is for you, tax and income wise.

  18. Reply Harry Johnston

    How do we get hold of an accountant with expert Portuguese/uk tax knowledge.

    • Ricardo

      I have heard of Blevins Franks, London based. I don’t have direct experience with them, so don’t know how they are like. If this doesn’t suit, let me know and I will see if we can find someone in Portugal through our contacts there. https://www.blevinsfranks.com/

Leave a Reply

Your email address will not be published. Required fields are marked *

This site uses Akismet to reduce spam. Learn how your comment data is processed.