D7 visa Portugal: how much passive income you need in 2026 — the full guide
Portugal's D7 visa requires proven passive income of at least 920 euros a month in 2026 — the minimum wage. Pensions, rents and dividends count. Step-by-step guide.
Portugal’s D7 visa requires, in 2026, proven passive income of at least 920 euros per month — the equivalent of the Portuguese national minimum wage. This is the country’s door for retirees and for anyone living off rents, dividends, interest or royalties: you prove the income, apply at the consulate in your country of residence and, once in Portugal, convert it all into a residence permit. It sounds simple, and the logic really is that simple — but the details decide whether the process takes months or drags on.
How much income do I need for the D7 visa?
The benchmark is the Portuguese minimum wage: 920 euros a month in 2026 for the main applicant. Bringing family adds 50% per adult (460 euros) and 30% per minor child (276 euros). A couple with one child therefore needs to show around 1,656 euros a month in regular passive income.
On top of the recurring income, it is strongly recommended (and in practice required by most consulates) to show a financial cushion in a Portuguese bank account — the usual yardstick is one year of minimum wage, roughly 11,040 euros for the main applicant. Passive income includes retirement or disability pensions, rental income from property (in Portugal or abroad), dividends, interest from deposits and bonds, and intellectual-property royalties. A salary from a remote job is not passive income — that’s what the digital-nomad visa is for.
How do I apply for the D7 visa step by step?
The path has a logical order and starts while you’re still outside Portugal:
- Get a Portuguese NIF (tax number) — this can be done remotely through a fiscal representative.
- Open a Portuguese bank account and transfer the financial cushion.
- Line up proof of accommodation: a deed, a 12-month rental contract or, at some consulates, a host’s declaration of responsibility.
- Gather proof of the passive income (pension statements, rental contracts, dividend statements), a criminal-record certificate and travel/health insurance.
- Submit the application at the Portuguese consulate or visa centre (VFS) in your country of residence — the official requirements and forms are on the MNE visa portal.
- Receive the visa, valid for four months and two entries, and travel to Portugal.
- Attend your AIMA appointment for biometrics and receive the residence permit, valid for two years and renewable for three more.
If your plan involves running a business instead of living off a portfolio, compare it with the entrepreneur route first — we covered it in detail in our D2 visa guide for entrepreneurs.
D7 or D2: which visa should I choose?
It depends on where the money comes from. The D7 suits people whose income lands in the account without working; the D2 suits those who want to earn their living in Portugal through their own business. A retiree with a stable pension has no dilemma: D7. Someone living off a portfolio but planning to freelance later can start with the D7 and work afterwards — the D7 residence permit does not forbid professional activity, and registering as self-employed is straightforward once you’re a resident.
After five years of legal residence, the door opens to permanent residency. A word of caution on citizenship: the rules changed in 2026, with longer timelines and stronger proof of ties to the country, so don’t do the maths from old articles.
Frequently asked questions
Can I work in Portugal on a D7 visa?
Yes. What the D7 requires is that the basis of the application is passive income; once you hold the residence permit, you can work in Portugal, employed or self-employed.
How long does the process take?
The legal deadline for the visa decision is 60 days, but in practice the full journey — NIF to residence card — usually takes four to eight months, depending on the consulate and AIMA’s schedule.
Does the D7 give access to the SNS health service?
Once you have the residence permit and register at your local health centre, yes — access to the national health service works under the same conditions as for other residents.
Illustrative · Photo: Jan van der Wolf / Pexels