Portugal residence permits: golden visa, D7 and D8
Portuguese residence for non-EU nationals runs mainly through three routes: the golden visa for qualifying non-property investments, the D7 visa for passive income of at least EUR 920 a month in 2026, and the D8 visa for remote income of at least EUR 3,680. Approval rests with the consulates and AIMA.
Updated
The golden visa (ARI) no longer covers property or plain capital transfers. Since Lei 56/2023, the remaining routes are EUR 500,000 in Portuguese non-real-estate investment funds with at least five years to maturity and 60% invested in Portuguese companies, EUR 500,000 for scientific research, EUR 500,000 to set up or recapitalise a Portuguese company with at least five permanent jobs, EUR 250,000 for the arts or cultural heritage, or the creation of 10 jobs. None of the money may flow into real estate, directly or indirectly, and the investment is held for at least five years. The job, research and culture routes can be up to 20% lower in low-density regions.
The golden visa's presence rule is light: at least 7 days in the first year and 14 days in each following two-year period. Golden visa holders may also bring their family without the two-year wait that now applies to most other permits, and their years count as legal residence for permanent residence and naturalisation.
The D7 visa covers people living on pensions, rents, dividends, royalties or investment returns of at least EUR 920 a month, plus 50% for each additional adult and 30% for each child, with the income available in Portugal. The D8 visa covers employees and freelancers working for employers or clients abroad who can show average earnings of at least EUR 3,680 a month over the last three months. The D2 visa serves founders who set up a business in Portugal and is assessed on the business plan and available funds rather than a fixed investment.
D7, D8 and D2 holders start with a four-month consular visa, then receive an AIMA residence permit valid for two years and renewable for three-year periods. Absences of more than six consecutive months, or eight months in total over a permit's validity, can lead to cancellation unless justified. Since Lei 61/2025, these permit holders generally wait two years before sponsoring a spouse, unless the couple has minor children.
After five years of temporary residence and with basic Portuguese at A2 level, residents can apply for permanent residence. Naturalisation is a separate step: for applications filed from 19 May 2026, most non-EU nationals need 10 years of legal residence, counted as the sum of lawful periods within a 12-year window, plus a language and culture test.
Portuguese immigration lawyers and certified tax advisers provide the legal and tax advice for each route; we coordinate the documents, timing and introductions.
Who it suits
Investors who want EU residence with little presence
You can commit to a qualifying fund, company or cultural investment and spend only a couple of weeks in Portugal every two years.
Retirees and passive-income earners
Pensions, rents, dividends or royalties cover your living costs and you plan to live in Portugal for most of the year.
Remote employees and freelancers
You earn from an employer or clients outside Portugal and want to base yourself there under the D8.
Founders and qualified professionals
You will open a business in Portugal (D2) or take a role that may qualify for the IFICI tax regime.
Requirements
- Required
Qualifying investment or income
The golden visa investment, or D7 or D8 income at the 2026 thresholds, documented from lawful sources.
- Required
Clean criminal record
Certificates from your country of nationality and any country where you lived for more than a year, apostilled or legalised.
- Required
Portuguese tax number and bank account
A NIF and an account in Portugal, needed for investments and for showing that income is available in the country.
- Required
Accommodation in Portugal
A long-term lease or title deed for D7 and D8 applications.
- Required
Health and travel insurance
Cover for the visa period, then the national health service or private insurance once resident.
- Required
Presence within the legal limits
Golden visa holders meet the minimum stay; D7 and D8 holders stay within the absence limits.
- Depends on your case
IFICI registration
Filed on Portal das Finanças by 15 January of the year after you become tax resident, if your role qualifies.
Documents
- PassportValid for at least three months beyond the intended stay, with copies of the biographical page.
- Criminal record certificatesIssued recently, apostilled or legalised and translated where required.
- Proof of investment or incomeFund or bank statements for the golden visa; pension, rental or dividend records for the D7; employment or service contracts and payslips for the D8.
- Proof of accommodationLease or title deed in Portugal.
- Tax and social security declarationsFor golden visa files, statements that you owe nothing to the Portuguese tax and social security authorities.
Timeline
- 1Route and preparationChoose the route, obtain a NIF and open a Portuguese bank account.
- 2Investment or income evidenceGolden visa applicants complete the investment and file online with AIMA; D7 and D8 applicants assemble income and accommodation evidence.
- 3Application and biometricsD7 and D8 applicants apply at the consulate for a four-month residence visa; golden visa applicants attend an AIMA appointment for biometrics.
- 4Residence permitAIMA decides and issues the residence card; processing times vary and have been long in recent years.
- 5Renewals and long-term statusRenew on time, keep within the presence rules, then apply for permanent residence or naturalisation when eligible.
Tax notes
- You become Portuguese tax resident by spending more than 183 days in any 12-month period, or by keeping a home in conditions suggesting habitual residence. The residence permit itself does not decide this, so golden visa holders who spend little time in Portugal usually stay tax resident elsewhere.
- Residents pay IRS on worldwide income at progressive rates from 12.5% to 48% in 2026; dividends, interest and capital gains are generally taxed at a flat 28% unless you opt to aggregate them with other income.
- IFICI taxes qualifying Portuguese employment and business income at 20% for 10 years and exempts most foreign income except pensions. It is limited to people who were not tax resident in Portugal in the previous five years and work in eligible roles or companies.
- Moving to Portugal does not end tax obligations in your current country automatically; its exit rules and the applicable treaty decide when it stops taxing you.
General information, not tax advice. Your position depends on your circumstances.
Banking fit
- D7 applicants show their income in a Portuguese account, and golden visa funds move through one, so the bank's source-of-funds review sits early in the timeline.
- Each bank applies its own due diligence; a NIF, proof of address and documented income make onboarding smoother.
Questions
Is the Portugal golden visa still available in 2026?
Yes, but not through property. The remaining routes are qualifying non-real-estate funds, research funding, a Portuguese company creating jobs, cultural or heritage support, and job creation. Each investment is held for at least five years, and approval rests with AIMA.
How much is the Portugal golden visa now?
The lowest route is EUR 250,000 for arts or cultural heritage. Funds, research and company investments start at EUR 500,000, and the job route requires 10 new jobs.
What income do I need for the Portugal D7 visa?
In 2026, at least EUR 920 a month of regular passive income for the main applicant, plus 50% for each additional adult and 30% for each child. Consulates also expect the income to be available in a Portuguese bank account.
What is the income requirement for the Portugal digital nomad visa?
For the D8 residence visa, average earnings of at least EUR 3,680 a month over the last three months, which is four times the 2026 minimum wage, from an employer or clients based outside Portugal.
How long until I can get Portuguese citizenship?
For applications filed from 19 May 2026, most non-EU nationals need 10 years of legal residence, and EU and Portuguese-speaking nationals seven. You must also pass a language and culture test. Applications filed earlier are decided under the previous five-year rule.
Does a Portugal golden visa make me a tax resident?
No. Tax residence depends on spending more than 183 days in Portugal or keeping a home there as your habitual residence. Investors who meet only the minimum stay usually remain tax resident in their current country.
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Sources
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Reviewed by the Redomiciled team on .
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