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Passive income from EUR 870/month
5-year EU citizenship path
Family reunification included
Passive income from EUR 870/month
5-year EU citizenship path
Family reunification included
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Visa-free entry
To the EU and Schengen Area countries
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Fast application processing
Within 4-5 months
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Tax Exemptions
No tax on global income for 10 years, and a 20% exemption in income tax for NHR holders
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Rights of an EU resident
a residence permit is issued immediately with all the rights of an EU citizen, main applicant and their dependents can live, work, and study (except the right to vote) in Portugal
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Business opportunities
expansion, entry into the EU market; the formation of a company in Portugal allows you to renew a residence permit for the entire family
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The clear path to EU citizenship in 5 years
for individuals who live in Portugal for 6 months per year consecutively or 8 months per year at intervals
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No restrictions on dual citizenship
no need to renounce your existing citizenship when obtaining a Portuguese passport
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E-2 visa to the USA
after obtaining Portuguese citizenship, it is now possible to apply for an E-2 investor visa for the USA
When you have stable passive income (pension, dividends, rental, royalties) at Portuguese minimum-wage thresholds
When you want EU residency without a major capital investment requirement
When you are a retiree, remote worker, or financially independent and willing to relocate to Portugal
When a 5-year path to Portuguese and EU citizenship through naturalization fits your timeline
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Detailed step-by-step process
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Requirements for all eligible applicants
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Required documents for each step of the program
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Answers to frequently asked questions
Portugal D7 Visa
Passive Income — from EUR 870/month (Portuguese minimum wage), plus 50% per spouse and 30% per child
Demonstrate stable passive income at Portuguese minimum-wage thresholds: 100% for the principal applicant (approximately EUR 870/month in 2025), 50% for spouse (EUR 435/month), and 30% per dependent child (EUR 261/month). Qualifying sources include pensions, dividends, rental income, intellectual property royalties, and investment returns. Income must be documented for at least the past 12 months.
Accommodation in Portugal — property purchase or 12-month minimum rental agreement
Secure accommodation in Portugal before D7 Visa submission. This can be a property purchase or a rental agreement with a minimum 12-month term. A registered Portuguese address is required for the NIF, bank account, and residence permit issuance. Property location should align with intended primary residence given the D7 Visa's physical-presence requirement.
More details
Initial Savings Buffer — approximately EUR 18,000 minimum in a Portuguese bank account
Maintain an initial savings buffer in a Portuguese bank account, typically EUR 18,000 or higher depending on family size. The amount serves as proof of financial self-sufficiency during the initial 12-month residence period. Common Portuguese banks include Millennium BCP, Novobanco, BPI, and Caixa Geral de Depósitos (CGD).
More details
Health Insurance Coverage — private insurance at application stage, then SNS registration after residence permit issuance
Demonstrate health insurance coverage at D7 Visa application stage. Private international health insurance with Portuguese coverage typically satisfies this requirement during the consular phase. Once your residence permit is issued, you can register with the Portuguese National Health Service (SNS) for public healthcare access. Many residents maintain both for comprehensive coverage.
More details
The most ancient country in the Iberian Peninsula, Portugal combines Mediterranean climate, full EU and Schengen membership, and one of Europe's most accessible residency programs for retirees, remote workers, and financially independent individuals.
The Portugal D7 Visa is one of Europe's most accessible residency-by-passive-income programs, established under Article 61 of the Foreigners Law (Law 23/2007). Designed for retirees, remote workers, and financially independent individuals, the D7 Visa requires demonstrable passive income at Portuguese minimum-wage thresholds: 100% for the principal applicant, plus 50% for spouse and 30% per dependent child. Qualifying income sources include pensions, dividends, rental income, intellectual property royalties, and investment returns. Applications are administered by AIMA (Agência para a Integração, Migrações e Asilo), which replaced SEF in October 2023, and require Portuguese accommodation (rental or purchase) before submission. The initial residence permit is issued for 2 years, renewable for 3-year periods, with Portuguese citizenship available after 5 years of legal residency, subject to B1 Portuguese language and civic knowledge requirements via the CIPLE exam. The Portuguese passport ranks among the world's top 5 with visa-free access to 190+ destinations.
Officially published timeline
3 to 4 months
Real timeline, based on our practical experience
4 to 6 months
of passports
Visa-free
travel to the Schengen area countries
Key countries
The EU
Fast-track visa
the US, Canada, Australia
Visa-free
countries
Key countries
The EU
Fast-track visa
the US, Canada, Australia
Visa-free
countries
Key countries
The EU
Fast-track visa
the US, Canada, Australia
Visa-free
countries
Key countries
The EU
Fast-track visa
the US, Canada, Australia
Visa-free
travel to the Schengen area countries
Key countries
The EU
Fast-track visa
the US, Canada, Australia
Decades of cross-border residency expertise: Golden Harbors advisors have helped HNW families and individuals navigate every active European passive-income residency program. For Portugal D7 specifically, we coordinate the consular visa application and AIMA residence permit issuance directly with licensed Portuguese counsel.
End-to-end coordination: From the Service Agreement to Portuguese residence permit collection, we handle every interaction with Portuguese counterparties including NIF registration, bank account opening, AIMA biometric appointments, and post-grant compliance. You stay informed at each milestone and approve key decisions remotely.
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Bicontinental coverage: Our team is positioned across the United States and Europe, allowing us to coordinate Portugal D7 applications with European banking (Millennium BCP, Novobanco, BPI), proof-of-income documentation, NIF and Portuguese tax setup, and home-jurisdiction tax structuring including post-NHR tax planning under the new IFICI regime.
Rigorous preparation: For Portugal D7 applications, we cross-check passive income documentation, verify accommodation arrangements (rental or purchase), prepare consular visa packages with apostilled documents, and ensure tax compliance across all jurisdictions before any submission to the Portuguese authorities.
Tested by time:
years of learning and working across industries and global mobility solutions. Our team has learned all the nuances and possible pitfalls and will help you avoid them
Convenient team structure:
our team is located in both the U.S. and Europe so we have the best coverage to assist you
We take preparation seriously:
planning, due diligence, and data cross-checks minimize the risk of rejection. We only work with vetted, government-licensed and ultra reliable partners in Portugal
We take care of the paperwork:
and handle all the interactions with counter-parties while you enjoy your everyday comfort. You still keep the remote control over each step
Enter your estimated application start date and get a clear timetable for each step
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Sign the service agreement with Golden Harbors, complete intake forms, and pay the initial retainer and due diligence fees.
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Golden Harbors helps you obtain a Portuguese tax ID (NIF), open a Portuguese bank account, secure your accommodation (rental agreement with minimum 12-month term or property purchase), and assemble passive income documentation at the EUR 870 per month threshold (plus 50% per spouse, 30% per dependent child).
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Submit the full Portugal D7 Visa application package to the Portuguese Embassy or Consulate in your country of residence. Documentation includes apostilled identity documents, proof of passive income, accommodation evidence, health insurance, criminal background certificates, and the EUR 18,000 savings buffer verification.
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The Portuguese consular post reviews the application and supporting documents. Background checks are conducted by Portuguese authorities and the 4-month D7 entry visa is issued, allowing travel to Portugal for AIMA processing.
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Travel to Portugal within the 4-month D7 Visa window and attend your biometric appointment at AIMA (Agência para a Integração, Migrações e Asilo), which replaced SEF in October 2023. AIMA reviews your file and grants the 2-year residence permit.
Up to 14 days
Receive your 2-year Portuguese residence permit card delivered via DHL Express. The permit is renewable for additional 3-year periods on continued passive-income and residence compliance, with Portuguese citizenship eligibility after 5 years of legal residency subject to B1 Portuguese language test (CIPLE) and civic knowledge requirements.
Every client is unique
Every case requires an individual approach and solution. Our years of experience in the industry allow us to provide both.
We will answer all your questions and provide detailed information about the available second passport and residency programs to help you make the right choice.
Victoria
Lead Attorney at Golden Harbors
Victoria
Lead Attorney at Golden Harbors
Obtain
a new citizenship and passport
get
additional residency or a Golden Visa
and also
file, register a company, and open bank accounts offshore
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If you are looking for a comprehensive review of whether this program is the best fit for you, please get in touch with your trusted advisors at Golden Harbors
victoria cold
Lead Attorney at Golden Harbors
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