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D7 Visa for Retirees: Your Complete 2020 Guide to Portugal
Comprehensive guide to Portugal's D7 passive income visa for retirees, including income requirements, application process, and lifestyle benefits.
Portugal’s D7 visa has become one of the most popular pathways for retirees seeking to relocate to Europe. Here’s everything you need to know.
What Is the D7 Visa?
The D7 is a residence visa for individuals with sufficient passive income to support themselves in Portugal without working locally.
Income Requirements
Minimum Thresholds
- Main applicant: Approximately €760/month (100% of Portuguese minimum wage)
- Spouse: Additional 50%
- Each child: Additional 30%
Qualifying Income Sources
- Pension payments (government or private)
- Social Security benefits
- Rental income from properties abroad
- Investment dividends and interest
- Retirement account distributions
Application Process
Step 1: Consular Application
- Apply at Portuguese consulate in your country
- Submit required documentation
- Interview may be required
Step 2: Documentation
Required documents include:
- Valid passport
- Criminal background check
- Proof of income (12 months)
- Health insurance
- Proof of accommodation in Portugal
Step 3: Arrival and Registration
- Travel to Portugal within visa validity
- Apply for residence permit at SEF
- Complete registration process
Benefits of the D7 Visa
- EU residence rights: Live in Portugal legally
- Schengen travel: Access to entire Schengen area
- Healthcare access: Portuguese healthcare system
- Path to citizenship: After 5 years of residence
- Family inclusion: Spouse and dependents included
Tax Considerations
- NHR regime potentially available for tax optimization
- Pension taxation depends on type and treaty provisions
- Professional tax planning recommended
The D7 visa offers an accessible and affordable path to European residence for retirees worldwide.