Portugal Retirement Visa: Your complete guide to retiring in Portugal

Retiring in Portugal appeals to people who want a calm lifestyle, warm weather, and a lower cost of living without giving up comfort. It has become one of Europe’s most popular retirement destinations, and many people search for the Portugal retirement visa as their way to settle there long term. 

While commonly called a retirement visa, the official category is the D7 Passive Income Visa, which is designed for pensioners and passive income earners.

This guide breaks down exactly how it works, including the Portugal retirement visa requirements, income thresholds, documents, and the full application process. You will also learn what day-to-day life looks like after you arrive, especially if you are considering retiring in Portugal. 

What is the Portugal retirement visa?

Portugal does not offer a visa officially labelled as a retirement visa. Instead, the D7 Passive Income Visa acts as the country’s practical pathway for retirees, pensioners, and individuals who earn passive income. This is why many people refer to it as the Portugal retirement visa, even though the official name is different.

The D7 provides the right to live in Portugal, register for public healthcare, and travel freely within the Schengen Area. For many applicants, the long term benefit is that the visa can eventually lead to permanent residency or citizenship after five years of legal stay. Though acquiring citizenship might take 10 years, if the new law is applied. 

At its core, the Portugal D7 Visa is meant for people who can support themselves without needing local employment. This makes it a strong fit for retirees with pensions, rental income, or investment based earnings.

Who can apply for a Portugal retirement visa?

The D7 is open to non EU, non EEA, and non Swiss citizens. There is no minimum age requirement, which means younger passive income earners can apply, although the visa is mainly used by retirees. Applicants must show a reliable financial base through passive income and prove they can sustain themselves without working in Portugal.

Eligibility also depends on clear documentation, including a criminal background check, proof of accommodation, and financial statements. As long as applicants can demonstrate stability and meet the requirements to retire in Portugal, they can move forward with the process.

Portugal retirement visa for US citizens

Americans follow a similar path to other applicants, but with a few additional steps. US citizens must submit an FBI background check, and this document must be apostilled under the Hague Convention. Financial documents are reviewed closely, so pension statements, Social Security summaries, and bank statements should be clear and consistent.

Portugal allows dual citizenship. This means you can keep your American passport even if you eventually apply for Portuguese nationality.

Portugal is also one of the safest countries in Europe. Crime rates in Portugal are generally low compared to major US cities, particularly in smaller towns and coastal areas.

The adjustment period involves more than just visa paperwork. Moving to Portugal from the USA requires planning around healthcare registration, banking setup, and cultural differences.

Portugal retirement visa requirements

The Portugal retirement visa requirements are designed to be straightforward. Most requirements involve proving passive income, preparing documentation, and showing that you have accommodation in Portugal. 

These are the core elements that determine whether an applicant can proceed.

Income requirements for 2025

Portugal requires applicants to prove passive income equal to at least the national minimum wage. In 2025, this is set at €870 per month or €10,440 per year for the main applicant. Additional income is required for each family member.

Here is a simple breakdown:

These amounts must come from passive income sources. Accepted forms include pensions, Social Security, dividends, rental income, royalties, and other non employment streams. Applicants should show that this income is stable and ongoing throughout the year.

Required documents

To apply for the Portugal D7 Visa, you must prepare a complete set of documents. These include:

• Passport valid for at least six months
• Apostilled criminal background check
• Proof of accommodation such as a lease or property deed
• Evidence of passive income
• Six months of bank statements
• Travel insurance with Schengen coverage
• Portuguese NIF tax number
• Portuguese bank account
• Passport photos

The NIF and bank account are essential for meeting the financial criteria. Applicants need to obtain their NIF before they begin searching for accommodation, since it is required for most financial activities in Portugal.

Family reunification

The D7 allows applicants to bring close family members under the family reunification process. This includes a spouse or partner, dependent children, and in some cases dependent parents. 

Each family member must meet the financial rule, which is why the Portugal retirement visa requirements include specific income adjustments. Applicants must show an extra 50 per cent of the minimum income for a spouse and an extra 30 per cent per child to meet the requirements to retire in Portugal.

Spouses and long term partners can join the main applicant as long as the relationship is documented and recognised legally. Dependent children are also eligible, including minors or older children who rely financially on the household. They can also enroll in a Portoguese university. Proof of relationship is required, along with updated financial statements that show the household can support the entire family.

Families must also prepare the same core documents as the main applicant, including identification, background checks, and financial records. To begin preparing documentation, applicants often need to obtain a Portuguese NIF and open a Portuguese bank account, both of which form part of the financial setup.

How to get a retirement visa in Portugal: Step-by-step process

Understanding how to get a retirement visa in Portugal helps you plan the entire application from start to finish. The process begins in your home country and continues after you arrive in Portugal, so following each step clearly is essential for a smooth approval.

Step 1: Gather required documents

The first stage usually takes four to eight weeks because it involves background checks, bank statements, and securing accommodation. Criminal record documents must be apostilled, and some applicants also need certified translations. 

Step 2: Obtain your NIF

The NIF is your tax identification number in Portugal and is required for banking, housing, and almost every administrative step. If you are applying from abroad, a legal representative can obtain it on your behalf. Having your NIF ready early makes the following steps faster and more organised.

Touchdown makes the process of securing your NIF smooth. 

Step 3: Open a Portuguese bank account

A bank account is required to demonstrate financial ties to Portugal. Many banks allow remote account opening when you provide your passport, NIF, and financial documentation. Touchdown works with Novo Banco, a premium bank, and can open your bank account remotely. Learn more about our service here. This is especially helpful for retirees who want to complete financial preparation before travelling.

Step 4: Secure accommodation

Applicants must show proof of accommodation through a 12 month rental contract or a property deed. Location matters for long term planning, so many retirees explore options based on lifestyle and cost. 

Anyone planning to rent can explore guides to renting in Portugal, while those considering a purchase can review insights about buying property in Portugal.

Step 5: Submit application at Portuguese consulate

After gathering documents, you must book an appointment at your local Portuguese consulate or VFS centre. At the appointment, you will submit your paperwork and answer basic questions about your plans in Portugal. Processing times range from 30 to 90 days depending on the consulate.

Step 6: Receive visa and travel to Portugal

Once approved, your visa will be placed in your passport and is valid for 120 days. This period allows you to enter Portugal and attend your residency appointment. The visa usually permits two entries in case you need to travel briefly during this window.

Step 7: Attend AIMA appointment

After arrival, applicants must attend their AIMA appointment to provide biometrics, confirm their address, and complete their registration. Once approved, you will receive a residence card that is valid for two years. This marks the beginning of your long term residency in Portugal.

Step 8: Renewal and path to citizenship

Your first residence card will be renewed for three years. After a total of five years of legal residency, you may apply for permanent residency or citizenship. Citizenship requires an A2 level Portuguese language exam, which many applicants prepare for gradually after settling in.

Portugal retirement visa cost breakdown

Understanding the financial side of the D7 helps applicants budget confidently. The costs include government fees, documentation expenses, and optional professional assistance.

Government fees

Here is a simple breakdown of the government related charges:

• Visa application fee: €90 to €120
• AIMA appointment fee: €~100
• Total estimated government cost: €245 to €315 per person

Additional costs

Applicants often encounter additional expenses throughout the process. These include:

• Apostille and document translation (if the original documents are not in English): €100 to €500
• Travel insurance for six months or one year: €400 to €1,000 annually
• Professional support for application preparation: €1,000 to €3,000
• Housing deposits and first month rent based on location

Touchdown visa package

Many applicants choose professional support to simplify the experience. A D7 visa application package usually includes NIF assistance, bank account setup, document checks, application preparation, and post arrival guidance. These structured services can be helpful for retirees who prefer a clear and organised process.

Minimum stay requirements for Portugal retirement visa

To maintain your residency status, you must follow Portugal’s physical presence rules. These rules ensure that applicants genuinely live in the country during the first two years. The minimum stay requirement is 16 months within the first two year period, which means you must spend most of your time in Portugal to keep your residence card active.

Applicants cannot be absent for more than 6 consecutive months or 8 non-consecutive months during this initial stage. These rules are important for anyone planning to renew their residence card or apply for long term residency. 

Consistent presence can also help you integrate more easily, learn basic Portuguese, and establish your daily routines. These steps make the transition smoother and support your long term residency goals.

Benefits of the Portugal retirement visa

The Portugal retirement visa offers a wide range of advantages, especially for retirees seeking a stable and peaceful lifestyle. Beyond the residency benefits, the quality of life in Portugal is one of the main reasons people choose this visa.

Residency and travel rights

Once approved, you gain legal residency in Portugal and the ability to travel freely within the Schengen Area for up to 90 days. This makes it convenient for retirees who want to visit nearby European countries without applying for additional visas.

Your residency permit also allows access to local services, administrative registration, and a clear path toward renewing your residence card. Many retirees appreciate the stability and flexibility this provides as they settle into their new home.

Healthcare access

Portugal has a well regarded public healthcare system known as SNS. Once you receive your residence card and register locally, you can access public healthcare services at affordable rates. Many retirees combine private insurance with the public system for additional comfort and shorter waiting times.

Having access to reliable healthcare is a significant benefit, especially for older applicants. The combination of public and private options allows retirees to choose what fits their needs best.

Path to citizenship

After five years of legal residency, applicants can apply for permanent residency or citizenship. Citizenship offers full rights within the European Union, including free movement and the ability to live in any EU country. This long term horizon is one of the strongest advantages of the D7 for retirees. However, the citizenship rule could potentially change from 5 years to 10.

Family reunification

Family members can join the main applicant and enjoy the same residency benefits. This makes it easier for couples or families to relocate together, providing stability and a long term future. Being able to reunite with close family also helps retirees feel more settled in their new environment.

Tax implications for Portugal retirement visa holders

Learning how taxes work in Portugal helps retirees plan their financial future. Tax residency determines how your pension and passive income will be taxed, so understanding these rules early can avoid surprises later.

Retirees should also be aware of NHR 2.0, known as the IFICI regime, which replaces the former tax system for new residents. Although it does not offer the same benefits as the previous NHR, it still provides clarity on how foreign income is taxed.

Tax residency vs legal residency

Legal residency allows you to stay in Portugal, but tax residency determines how your income will be taxed. You become a tax resident if you spend more than 183 days in Portugal within a tax year or establish a primary home there. Once this status is triggered, you must report your worldwide income.

Retirees with pensions should understand how their income will be taxed under the progressive tax system. Knowing the thresholds and rates helps you plan long term financial decisions.

US Portugal tax treaty

For Americans, the US Portugal tax treaty helps prevent double taxation. It outlines how Social Security and pensions are taxed and ensures you do not pay taxes twice on the same income. 

US Social Security payments continue even after moving, and most retirees can have their payments deposited directly into their Portuguese bank account. 

Where to live in Portugal with a retirement visa

Choosing where to live in Portugal is one of the most enjoyable parts of planning your retirement. Portugal has a wide range of regions, each offering different lifestyles, climates, and cost levels. 

Understanding these differences helps retirees choose a place that fits their needs.

Popular retirement destinations

The Algarve is one of the most popular regions for its warm climate, beaches, and active expat communities. Lisbon and Cascais appeal to retirees who want cultural centres, strong healthcare access, and modern conveniences. The Silver Coast is known for being affordable, with quieter cities and coastal towns.

Porto and Northern Portugal offer cooler weather and a slower pace, while the Douro Valley is ideal for retirees who enjoy scenic landscapes and rural living. These regions provide a mix of comfort, beauty, and affordability for different lifestyles.

Cost of living comparison

Most regions outside Lisbon and Cascais are more affordable, especially when it comes to rent and daily expenses. The Algarve, while popular, has higher seasonal prices in tourist areas.

Portugal retirement visa vs other visa options

The D7 is one of the most popular residency visas, but it is helpful to compare it with other available options. Understanding the differences makes it easier to choose the path that fits your financial situation and long term goals.

D7 vs D8 Digital Nomad Visa

The Portugal D7 Visa is designed for passive income earners, while the D8 Digital Nomad Visa is aimed at remote workers with active employment income. The D8 has higher income requirements and focuses on employment, while the D7 focuses on passive earnings. This makes the D7 more suitable for retirees.

D7 vs Golden Visa

The Golden Visa requires a significant investment, such as financial contributions or cultural donations. It offers flexible stay requirements, but it is more expensive and does not centre around passive income. The Portugal D7 Visa is more accessible for pensioners who prefer not to make large investments.

Common mistakes when applying for Portugal retirement visa

Understanding common mistakes can help you avoid delays when applying for your D7 visa. Many issues arise from document preparation or misunderstanding the type of income required.

Confusing passive vs active income

The Portugal D7 Visa requires passive income. Remote work, freelancing, or consulting does not qualify as passive, so relying on active income may result in rejection. Applicants must show pensions, Social Security, investment returns, or rental income instead.

Using outdated information

Visa rules change, and relying on old requirements causes problems. Applicants must check the most current income thresholds, document rules, and consulate guidelines to avoid inconsistencies during submission.

Insufficient financial documentation

Consulates expect clear proof of income and consistent bank statements. Missing details or irregular deposits may result in delays. Preparing a full set of documents early significantly improves approval chances.

Missing post arrival steps

Some applicants forget to complete essential steps after arriving in Portugal. Attending the AIMA appointment, registering your address, and updating your NIF address are all required to maintain your residency.

What happens after you arrive in Portugal

The first thirty days after arrival are important for anyone moving under the Portugal retirement visa, because several administrative steps must be completed. 

These early tasks help you settle into daily life, understand your local requirements, and stay in line with the Portugal retirement visa requirements. Completing them also strengthens your long term path under the Portugal D7 Visa.

First 30 days

New residents must register their address locally, and begin the process of signing up for public healthcare. Registering with SNS ensures you have access to medical services while building your new life under the Portugal retirement visa. 

These early steps also support your future residency renewals and help you meet the basic requirements to retire in Portugal.

Residents often use this time to organise their documents, confirm their tax number details, and set up essentials that support stability. Following this routine early makes it easier to focus on the long term benefits that come with the D7, especially for those who researched how to get a retirement visa in Portugal before applying.

Ongoing requirements

Throughout your residency, you must maintain tax compliance, renew your residence card on time, and continue meeting minimum stay rules to protect your status under the residency permit. Staying consistent with your obligations is important for renewal and future citizenship options.

Families with children may also focus on enrolling children in schools, which often involves choosing a local institution, submitting registration documents, and confirming your address. 

How Touchdown helps with your Portugal retirement visa

Over 500 expats have relocated to Portugal with support from Touchdown. We combine licensed Portuguese lawyers with a clear platform that tracks your progress from application to arrival.

Moving to a new country involves dozens of steps. We built Touchdown to simplify the D7 visa process and give you full visibility at every stage. Whether you're moving alone or bringing your family, we create a personalized plan based on your timeline and goals.

Our team handles the legal work, document review, and administrative setup. You get expert guidance without the stress of managing everything yourself.

Here's how we support D7 applicants:

Check your eligibility

Start with our free Eligibility Checker. It takes a few minutes and shows whether the D7 fits your situation. After that, we schedule a consultation to review your options and build a step-by-step plan.

Get legal review and document prep

Licensed Portuguese lawyers review every document before submission. This includes income statements, lease agreements, travel insurance, and background checks. We check that your application meets consulate requirements and won't trigger delays.

Set up your NIF and bank account

We handle your Portuguese bank account and NIF remotely. Our team works with trusted financial institutions to complete setup in your name. You receive all required documents with clear instructions for your visa application.

Schedule and prepare for your consulate appointment

We book your visa appointment at the correct consulate based on your location. You'll get guidance on what to bring, how to present your case, and what questions to expect. If your consulate requests additional documents or reschedules, we help you adjust quickly.

Complete post-arrival registration

Support continues after you land in Portugal. We guide you through your AIMA appointment, help you register your address, update your NIF, and set up tax residency. These steps protect your legal status and keep your residency on track.

You can view our D7 Passive Income Visa Package or book a consultation to discuss your situation and start planning your move.

FAQs About Portugal Retirement Visa

Can I retire in Portugal as a US citizen?

Yes, Americans can retire in Portugal through the D7 visa. They must submit an FBI background check, apostilled documents, and proof of passive income. Dual citizenship is allowed if they decide to apply for Portuguese nationality later.

Can I collect Social Security if I move to Portugal?

Yes, US Social Security payments continue when you move abroad. They can be deposited into your Portuguese bank account, and the US Portugal tax treaty prevents double taxation on the same income.

How hard is it to get a D7 visa in Portugal?

The process is straightforward if you meet the requirements and organise your documentation properly. Delays usually occur due to missing documents or slow apostille timelines, but with proper preparation, approval rates are high.