Portugal D7 Passive Income Visa: The Complete 2026 Guide

The Portugal D7 visa — often called the passive income or retirement visa — is one of the most popular routes for retirees and remote workers who can show stable, recurring income. Here is a complete walkthrough for 2026.

Who the D7 is for

The D7 is designed for non-EU nationals who can support themselves through passive or recurring income — pensions, rental income, dividends, royalties, or remote employment income. You do not need to make a large investment as with the Golden Visa.

Income requirements

The benchmark is tied to the Portuguese minimum wage. As a general guide you should be able to show:

• At least the equivalent of the national minimum wage for the main applicant.
• An additional 50% for a spouse.
• An additional 30% per dependent child.

Showing income comfortably above the minimum strengthens your application. Many applicants also keep a year's worth of funds in a Portuguese bank account as supporting evidence.

Documents you will typically need

• Valid passport and passport photos.
• Proof of income (pension statements, rental contracts, bank statements).
• Proof of a Portuguese bank account and sufficient savings.
• Proof of accommodation in Portugal (lease or property deed).
• Criminal background check from your home country.
• Private health insurance valid in Portugal.
• A NIF (Portuguese tax number).

The application process step by step

• 1. Obtain a NIF and open a Portuguese bank account.
• 2. Gather and translate/apostille your documents.
• 3. Apply for the D7 visa at the Portuguese consulate in your country.
• 4. Enter Portugal on the four-month entry visa.
• 5. Attend your residence permit appointment to receive your two-year permit.
• 6. Renew, then apply for permanent residency or citizenship after five years.

A note on tax and NHR

Portugal's Non-Habitual Resident regime has changed in recent years and a newer incentive framework has replaced parts of it. Tax treatment of foreign pensions and income depends heavily on your personal situation and any double-taxation treaty. Speak to a cross-border tax advisor before relying on any specific tax outcome.