D7 PASSIVE INCOME VISA
PASSIVE INCOME PATH TO ENJOYING EUROPE
Looking to live in Portugal full-time while enjoying the freedom to travel across Europe? The D7 Passive Income Visa—often called Portugal’s Retirement Visa—is a cost-effective and flexible residency option for those with a steady passive income. Whether it’s pensions, social security, rental income, dividends, or royalties, this visa provides a clear path to Portuguese citizenship possibly in just 5 years.
With a minimum income requirement of just €870 per month (as of 2025), the D7 Visa is one of the most accessible residency programs—especially for retirees and passive income earners.
✔️ Open to retirees and passive income earners
✔️ Enjoy affordable living, world-class healthcare, and a relaxed lifestyle
✔️ Live in Portugal full-time and travel freely within Schengen
✔️ Qualify for citizenship possibly in 5 years
The application is a two-step process, starting with a visa from your home country, followed by a residency permit in Portugal.
Interested in making Portugal your home? Contact us today, and we’ll guide you through every step.
Requirements
Let’s break down the main requirements:
Income requirement: The minimum income requirement for a single applicant is €870/month (2025 figures).
- Bringing your better half? Add 50% or €435.
- What about dependent children? Add 30% or €261 for each kid.
Passive income: Types of incomes you have that roll in effortlessly—whether you're enjoying a seaside stroll or savoring a glass of Portuguese wine. It needs to be foreign sourced income, not earned in Portugal. For example:
- Pensions,
- US social security,
- dividends,
- royalties,
- or rental property back home.
Savings: You need to show a year’s worth of savings which will need to be put into a Portuguese bank account.
- Single applicants – €10,440 (€870 X 12).
- Couples – €15,660 (€1,305 X 12).
- Dependents – Add €261 X 12 per dependent child
Stay requirement: This visa is for people who want to make Portugal their new home. Within the first two-year period, you should not leave Portugal for more than six months in a row or eight months in total.
Age: There’s no upper limit, so whether you’re 18 or 80, you’re able to apply. In fact, most D7 applicants are of retirement age.
Benefits
1. Access to the Portuguese National Health
2. Access to the Portuguese National Education
3. Exercise of any work activity as an independent professional
4. Family reunification, allowing spouse, dependents, and parents to live in Portugal
5. Apply for permanent residency or citizenship after 5 years of residency
6. Visa-free entry in the Schengen countries
TWO-STEP PROCESS
Step 1
First, you need to apply to the Portuguese Consulate or Embassy in your home country. They will issue the initial visa.
With supporting documentation such as proof of income and a clean criminal record, you’ll also need a Portuguese bank account and proof of long-term accommodation in Portugal. In practice, this means you’ll most likely need to sign a lease or purchase property in Portugal before applying for the initial visa.
Once your application is approved, you’ll be issued with a 4-month, double-entry visa to Portugal.
Step 2
Second, once in Portugal, you need to apply for the actual residence permit from AIMA (the Portuguese Agency of Integration, Migration and Asylum) and provide additional documentation. You can only do this while entering Portugal on the D7 visa, not if you enter as a tourist. Once (and if) your residency permit is approved, you’ll be issued a residence card valid for two years, after which it needs to be renewed.
PATH TO RESIDENCY & CITIZENSHIP
Get in touch with your Vivacity client advisor for reviewing if this is the right visa type for you and start your application process.
Frequently Asked Questions
The D7 Visa is for individuals with passive income, such as:
- Pensions
- Social Security payments
- Rental income
- Dividends or investment income
- Royalties (e.g., authors, musicians, patent holders)
It's determined by the minimum wage in Portugal. As of 2025, the minimum passive income required is €870 per month for a single applicant. For a couple, it's €1,305 per month, plus additional amounts for dependents.