Blogs • February 9, 2026 • 17 Min

Complete Guide to Portugal D7 Visa Requirements and Application Process

Portugal’s D7 Visa allows non-EU nationals to obtain residence based on stable foreign income, without purchasing property or making a qualifying investment. Approval is based on income continuity, verified accommodation in Portugal, and compliance with residence requirements. This guide explains how the Portugal D7 Visa works in 2026, who qualifies, how authorities assess applications in practice, and what has changed compared to previous years. What Is the Portugal D7 Visa? The Portugal D7 Visa is a long-stay national visa issued to non-EU, non-EEA, and non-Swiss nationals who can support themselves through lawful, recurring income from outside Portugal. It is issued by a Portuguese consulate and allows entry into Portugal for the purpose of applying for a residence permit. The D7 itself is not a residence card. It is an entry authorisation that leads into Portugal’s residence framework. The D7 is not an investment visa and does not require a job offer in Portugal at the time of application. It is designed for applicants who can demonstrate financial independence before relocating. Once the residence permit is granted, the D7 places you under Portugal’s standard residence regime, with renewal rights and eligibility to build residence time toward permanent status. What Does the Portugal D7 Visa Allow You to Do? The D7 provides a legal basis to live in Portugal on a long-term basis, subject to compliance with residence rules. In practice, it allows you to: Reside in Portugal year-round Travel freely within the Schengen Area for short stays Register for public services once resident Renew residence permits and accumulate residence time toward long-term status The D7 is structured for applicants who intend to establish Portugal as their main place of residence, not for low-presence or contingency use. How Does the D7 Visa Lead to a Residence Permit? The D7 visa itself is temporary and functions solely as an entry authorisation. The standard process follows a defined sequence: Approval of the D7 visa at a Portuguese consulate Entry into Portugal Submission of updated documentation at an AIMA appointment Issuance of a residence card The initial residence permit is typically valid for two years, after which it may be renewed. From this point forward, your status is governed by Portugal’s residence rules, including renewal requirements and physical presence expectations. Who Is the Portugal D7 Visa For? The Portugal D7 Visa is intended for individuals who can support themselves without relying on Portuguese employment and who plan to live primarily in Portugal. There is no age requirement. While retirees make up a significant share of applicants, the D7 is equally used by individuals with investment income, rental income, or other long-term foreign income streams. What matters is income stability and residence intent, not profession or age. You Are a Strong Fit If: You are generally well aligned with the D7 if you can demonstrate that: Your income is foreign-sourced, recurring, and verifiable You have sufficient savings to support your initial period of residence You intend to spend most of the year in Portugal You are prepared to secure accommodation before applying Authorities assess applications holistically. A strong D7 file shows consistency across income, accommodation, documentation, and stated plans to reside in Portugal. Who Is the Portugal D7 Visa Not For? Many D7 refusals are not caused by ineligibility, but by a mismatch between the visa’s purpose and the applicant’s actual plans. The D7 is generally not suitable if: You are seeking a low-presence or backup residency Your income is future, speculative, or irregular Your primary objective is immediate employment in Portugal You plan to spend most of the year outside the country Applicants whose main goal is work-based relocation or minimal physical presence are usually better served by alternative residence routes designed for those profiles. Understanding this distinction early helps avoid delays, refusals, and the need to reapply under a different visa category. What Are the Financial Requirements for the Portugal D7 Visa in 2026? Financial eligibility is the foundation of a D7 application. Portuguese authorities do not assess income in isolation. They evaluate amount, stability, documentation, and how your finances support genuine residence in Portugal. Meeting the threshold is necessary, but how your income and savings are presented often determines how smoothly the application is processed. What Is the Minimum Income Required for the D7 Visa? The D7 income requirement is linked to Portugal’s national minimum wage and adjusted based on household size. Consulates generally apply the following structure: Main applicant: 100% of the minimum wage Spouse or dependent adult: +50% Each dependent child: +30% The commonly applied reference figures are: These figures represent minimum eligibility thresholds, not recommended living budgets. Income must be foreign-sourced, lawful, recurring, and predictable, and supported by official documentation. Is The Minimum Income Enough to Live in Portugal? Meeting the legal threshold does not automatically translate into a comfortable lifestyle. Applicants relocating from countries such as the US or UK often underestimate current costs, particularly housing. While Portugal remains relatively affordable, rents and everyday expenses have increased in recent years. As a very general reference: Smaller inland towns: many couples feel comfortable from around €2,000–€2,500 per month Porto and similar cities: €2,500–€3,000 per month Lisbon and prime Algarve locations: €3,000+ per month is often more realistic Planning above the minimum threshold reduces financial pressure and strengthens long-term sustainability after arrival. What Are the Savings Requirements for the D7 Visa? In addition to income, applicants are expected to demonstrate savings. How Much Savings Do You Need? Authorities typically expect to see at least 12 months of the required household income held in a Portuguese bank account. Using the same household examples: Single applicant: €11,040 Couple: €16,560 Couple + 1 child: €19,872 Some advisors suggest showing 24 months of savings as a buffer, especially where income sits close to the threshold, but 12 months remains the commonly accepted baseline. Do Savings Replace Income for the D7 Visa? No. The D7 is an income-based residence route. Savings strengthen your application by demonstrating financial stability and reducing perceived risk, but they do not replace the requirement for recurring income. Applications relying solely on capital reserves are often delayed or redirected toward alternative residence options. How Is Income Reviewed in Practice? Authorities assess whether your income: Matches what appears in your bank statements Is consistent over time Aligns with your household size and intended lifestyle Applications supported by clear pension letters, rental agreements, dividend statements, and tax records tend to move more smoothly than those relying on informal or poorly explained income flows. What Are the Non-Financial Requirements for the Portugal D7 Visa? Many D7 delays and refusals are not caused by income, but by documentation gaps, timing issues, or inconsistencies in the non-financial parts of the application. While the requirements are straightforward on paper, authorities expect the full file to be internally consistent, current, and easy to verify. Portuguese Tax Number (NIF) A Portuguese tax number (NIF) is required early in the process. You need a NIF to: Open a Portuguese bank account Sign a rental contract Interact with Portuguese authorities You can obtain a NIF either in person in Portugal, or remotely through a fiscal representative using power of attorney. Most applicants apply remotely to avoid unnecessary travel at the early stage. Portuguese Bank Account A Portuguese bank account is mandatory for a D7 application. Foreign accounts, digital banks, or fintech platforms are not sufficient on their own. Authorities expect this account to: Hold your savings buffer (typically 12 months of income) Clearly show the origin of funds Ideally receive your recurring income, or be ready to do so Accounts, again, can be opened in person at a Portuguese bank, or remotely through a lawyer or relocation specialist What matters most is that the account is active, traceable, and aligned with the income you declare. Accommodation in Portugal Proof of accommodation is one of the most sensitive parts of a D7 application. In most cases, authorities expect a long-term rental agreement, typically 12 months, or property ownership documents. Short-term stays, hotels, or Airbnb bookings are now accepted far less often than in the past. At the AIMA stage, you may also be asked to provide: Proof that the lease is registered with Finanças Rent payment receipts Landlord identification details In some cases, local residence confirmation The purpose is to confirm that your housing is real, legal, and actually used. Criminal Record Certificates Applicants must submit criminal record certificates from their country of current residence, and countries where they have lived recently. Certificates must be: Recent and within validity at the time of submission Apostilled where required Consistent with declared residence history Authorities have become stricter about certificates that are close to expiry, particularly for applicants from the US, UK, and Canada. Health and Travel Insurance Insurance requirements are increasingly applied strictly. At the visa stage, most consulates now expect: Schengen-compliant insurance Coverage for the full intended stay (often interpreted as 12 months) Minimum medical coverage of €30,000 Emergency repatriation included No deductible Once residence is granted, you can register with the public healthcare system, and/to private health insurance Many residents maintain both, using public care for major treatment and private care for routine access. Flight Itinerary and Passport Validity Some consulates require a booked flight itinerary and, in some cases, a return ticket rather than one-way. Your passport must be valid for at least six months beyond the visa period and contain sufficient blank pages. Personal Statement (Letter of Intent) The personal statement explains why you chose Portugal and how you plan to live there. A strong statement confirms genuine residence intent, explains your income clearly, demonstrates financial independence, and avoids generic or template language. It plays an important role in showing that your application aligns with the purpose of the D7. What Are the Residence Obligations Under the Portugal D7 Visa? The Portugal D7 Visa is a residence-based permit, not a symbolic or low-presence status. Once your residence card is issued, authorities expect Portugal to be your main place of residence. This expectation has always existed, but in 2026 it is applied more consistently, especially at renewal and long-term residence stages. How Much Time Do You Need to Spend in Portugal Each Year? During temporary residence under the D7, you are expected to live primarily in Portugal. In practical terms, this means you should not be absent from Portugal for more than 6 consecutive months, or more than 8 non-consecutive months during the validity of your residence permit. These limits apply both during the initial two-year permit and the three-year renewal period. Occasional travel is normal and expected. What raises concern is a pattern of long or repeated absences that suggests Portugal is not your primary base. How Is Physical Presence Verified in 2026? Physical presence is no longer assessed informally. With the EU Entry/Exit System now recording Schengen border movements automatically, Portuguese authorities can verify: Entry and exit dates Length of time spent outside Portugal Whether absence limits have been exceeded This data is accessible to AIMA during renewal reviews and can directly affect residence continuity. What Does This Mean for D7 Applicants in Practice? If your plan is to spend most of the year outside Portugal and return only occasionally, the D7 is unlikely to be suitable in 2026. If you plan to live in Portugal and travel periodically for personal or professional reasons, the D7 framework accommodates that without difficulty, provided absences remain within the permitted limits. The key issue is where your life is clearly based, not whether you travel. How Does D7 Residence Count Toward Long-Term Status? Time spent in Portugal under a valid D7 residence permit counts toward long-term residence milestones. In general: After five years of continuous legal residence, you may apply for permanent residence Permanent residence allows for greater flexibility regarding time spent outside Portugal Citizenship follows Portugal’s nationality law. As of 2026 planning, the standard route is still based on five years of legal residence, with eligibility and processing treated as separate timelines. Because residence history is cumulative, compliance from the start reduces complications later, particularly at renewal, permanent residence, or citizenship stages. Can You Include Family Members in a Portugal D7 Visa Application? Yes. The Portugal D7 Visa allows you to include close family members either at the initial application stage or later through family reunification, provided you meet the increased financial and accommodation requirements. Family members do not need their own independent income. What matters is that you, as the main applicant, can support the entire household. Which Family Members Can Be Included Under the D7? Portuguese law recognises a defined group of dependants for D7 family reunification. In practice, this usually includes: A spouse or long-term partner Dependent children (minors, or adults in full-time education) Dependent parents of either spouse In limited cases, other dependants may be considered, but these are assessed individually and require stronger justification. How Do Income Requirements Change When You Add Family Members? Income thresholds increase according to a fixed structure applied by most consulates. As a reference: A spouse or dependent adult increases the requirement by 50% Each dependent child increases it by 30% Only the main applicant’s income is normally counted toward the D7 calculation. Even if a spouse has their own pension or income, consulates may still expect the main applicant to meet the full household requirement alone. Savings expectations rise proportionally as well, as authorities generally expect to see at least 12 months of the total household income available. Can Family Members Be Added After Approval? Yes. If you apply alone initially, you can later request family reunification once your residence permit is issued. However, this is not a shortcut. At the reunification stage, authorities reassess: Your income level Your accommodation Your residence compliance For applicants who already plan to relocate with family, including everyone from the start often results in a smoother overall process. What Has Changed for The Portugal D7 Visa In 2026? The D7 framework is the same, but 2026 applications are being handled with tighter consistency checks. That shows up in three places: income benchmarks, citizenship expectations, and how documents are reviewed. Income Benchmark Is Higher In 2026 Your income benchmark is tied to Portugal’s minimum wage, so the baseline moves when the minimum wage moves. For D7 planning, consulates typically apply this structure: Main applicant: 100% Spouse or dependent adult: +50% Each dependent child: +30% If the minimum wage used by the consulate is €920/month, the household baseline becomes: Single: €920/month Couple: €1,380/month Couple + 1 child: €1,656/month Each additional child: +€276/month Savings Still Matter, But They Support Income Savings help your case, but they don’t replace recurring income. Most D7 files are stronger when you can show both: Recurring foreign income that meets the baseline, and A buffer in a Portuguese bank account (often shown as 12 months of the household baseline) If your household baseline is €1,656/month, a 12-month buffer is €19,872. If it is €1,380/month, a 12-month buffer is €16,560. Citizenship Planning Is Less Predictable Right Now Citizenship Planning Still Follows the 5-Year Legal Rule Portugal’s current nationality framework still allows eligible residents to apply for citizenship after five years of legal residence, assuming all standard requirements are met. There have been discussions and draft proposals around tightening elements of the nationality framework, but these have not translated into a new, settled rule that replaces the five-year baseline. What you should plan for in 2026 is not a longer legal timeline, but the practical reality that eligibility and processing are not the same thing. Even once you qualify, the filing and decision timeline can still take additional time. Document Review Is Stricter in Practice 2026 is not the year to submit a loosely organised D7 application. Expect closer checks, more document cross referencing, and less flexibility on inconsistencies. In practical terms, that usually means: Accommodation: consulates and AIMA may look for a lease that is easy to verify, plus supporting proof at the residence stage (for example registration and payment trail, depending on the case) Criminal record documents: need to be current and correctly legalised and translated where required Insurance: files are stronger when coverage clearly matches the period you are asking to be admitted for, with no gaps Income logic: statements, contracts, and deposits need to tell one clean story, with no mismatched dates or unexplained spikes Want Your D7 Strategy Checked Before You Apply? If you are preparing a Portugal D7 application for 2026, Savory and Partners can review your income structure, household calculation, and documentation flow, then guide you through each stage so your file is consistent and easy to verify. How Does the Portugal D7 Visa Lead to Permanent Residence and Citizenship? The D7 Visa is not a temporary workaround. Time spent in Portugal under D7 residence counts toward long-term status, provided you comply with residence and renewal rules. When Can You Apply For Permanent Residence In Portugal? Permanent residence is generally available after five years of continuous legal residence. If you maintain valid residence permits throughout this period and comply with presence requirements, you may apply for permanent residence. This status allows you to live in Portugal indefinitely, although the physical residence card still needs periodic renewal. At the permanent residence stage, authorities typically review: Continuity of legal residence Compliance with presence rules Financial self-sufficiency Basic integration, including Portuguese language proficiency at A2 level For many applicants, permanent residence already provides long-term security without the need to pursue citizenship immediately. When Can You Apply For Portuguese Citizenship? Under the current framework, Portuguese citizenship through naturalisation is generally available after five years of legal residence, assuming you meet the standard requirements (including language and criminal record checks). While nationality reform has been actively discussed and partially reviewed by institutions, the practical takeaway for D7 applicants is simple: plan around the rule in force today and keep your strategy flexible in case future reforms are reintroduced in a revised form. Processing time is separate from eligibility and may add additional months or years after you file Do You Have to Apply for Citizenship to Stay in Portugal Long Term? No. Citizenship is optional. You may: Remain a temporary resident by renewing your permit Apply for permanent residence after five years Live indefinitely in Portugal without becoming a citizen Many residents choose permanent residence and do not pursue citizenship unless they specifically want an EU passport or voting rights. Should You Get Professional Support Before Applying? For straightforward single-applicant cases, some people apply independently. However, complexity increases quickly when you add family members, mixed income sources, or long-term planning considerations. If you are applying for Portugal’s D7 Visa in 2026, Savory & Partners can review your eligibility, income structure, and documentation flow, helping ensure your application is consistent, verifiable, and aligned with current scrutiny levels. FAQs on Portugal D7 Visa Is The €920 Monthly Income Enough To Live In Portugal? Legally, yes. Practically, it is a minimum for eligibility, not a comfortable lifestyle. Most applicants budget higher, especially in Lisbon, Porto, or the Algarve. Do You Need a Lease Before Applying for the D7 Visa? In almost all cases, yes. Authorities typically expect a long-term rental agreement or proof of property ownership before the consulate appointment. Can You Apply With Rental Income or Dividends? Yes, provided the income is foreign-sourced, recurring, and properly documented. Authorities focus on stability and consistency rather than income type. Does Savings Alone Qualify For The D7 Visa? No. Savings strengthen an application but usually do not replace the requirement for ongoing income. Can You Work in Portugal with A D7 Visa? You generally cannot work until your residence permit is issued. After that, work is usually permitted unless your permit states otherwise, but the D7 should not be used to qualify based on employment. How Much Time Do You Need to Spend in Portugal Each Year? You should treat Portugal as your main residence. Absences should not exceed six consecutive months or eight non-consecutive months during a residence period. Will You Become a Portuguese Tax Resident? In most cases, yes. Spending more than 183 days in Portugal or maintaining a habitual residence usually triggers tax residency. Can Family Members Be Included in a D7 Application? Yes. Spouses, dependent children, and dependent parents can be included, but income and accommodation requirements increase accordingly. Is Portuguese Language Required for the D7 Visa? No. Language skills are not required for the visa or initial residence, but A2-level Portuguese is required for permanent residence and citizenship. Is Citizenship Still Possible Through the D7? Yes. Portugal’s standard naturalisation route remains available, and the current framework generally allows eligible residents to apply after five years of legal residence, alongside the usual requirements. As always, timing depends not only on eligibility but also on application processing after filing. What Are the Most Common Reasons D7 Applications Are Delayed? Incomplete documentation, income calculated too close to the minimum, accommodation issues, and inconsistencies across the file. References Ministry of Foreign Affairs of Portugal. (2025). Referenced from: https://vistos.mne.gov.pt/en/national-visas/general-information/type-of-visa/residence-visa Agência para a Integração, Migrações e Asilo (AIMA). (2025). Referenced from: https://www.acm.gov.pt/documents/10181/2958647/Residence_Permit_Guide_2025.pdf Government of Portugal. (2025). Referenced from: https://www.portugal.gov.pt/en/gc25/communication/news-item?i=government-increases-minimum-wage-to-920-euros-in-2026 Diário da República Eletrónico. (2024). Referenced from: https://dre.pt/dre/detalhe/lei/23-2007-343379