D7 Portugal Visa for Retirees or Income Holders

D7 Portugal Visa for Retirees or Income Holders

D7 Portugal Visa for Retirees or Income Holders
D7 Portugal Visa for Retirees or Income Holders

The D7 Portugal Visa is another way that allows Brazilians to legally retire in the European country, especiallyes and people living on income in Brazil.

Despite being known as the retirees visa for Portugal for the ease with which pensioners obtain their release, the D7 visa for Portugal covers a number of other possibilities.

In this article you will understand how to obtain the D7 visa for Portugal. In addition, we will explain in detail how to apply for a D7 visa for Portugal.

Do you want to know what the residence visa is, find out what you need to prove, and the step by step on how to get the D7 Visa for Portugal.

This material is up to date with information on the latest changes in the D7 Portugal Visa legislation. All about the D7 Visa Law for retirees in Portugal in 2021. You might be interested in article How Much Will I Pay in Tax With the D7 Visa in Portugal.

What is the D7 Visa for Portugal?


The D7 visa is a permit to live in Portugal, granted to people who have their own income in Brazil, and can use it to support themselves abroad.

In the D7 Visa, Portugal recognizes the possibility of residence for retirees, pensioners, holders of their own and religious income.

This means that pensioners and holders of income such as intellectual property (such as musicians or inventors, for example), real estate rentals, interest on investments or corporate profits and dividends, can apply for an income holder visa.

Therefore, the aim covers several possibilities, as long as the fulfillment of the required requirements is proven, including the minimum annual amount, with the presentation of adequate documentation.

But what do you really need to get a retiree visa in Portugal?

It is important to know that the D7 visa for Portugal needs to be applied for in Brazil.

So follow the guidelines imposed by the legislation and don't run the risk of having the D7 Portugal Visa denied. Read also this article Can Brazilian Retirees Work in Portugal? See the Rules.

How to Get the D7 Visa for Portugal?


You can apply for the D7 Residence Visa for Portugal: retirees, pensioners, holders of income or who exercise religious activity in Brazil.

That is, those who are interested in the D7 visa for retirees, need to prove income to live in Portugal.

Each of its applications has its own characteristics. Meet them all next.

Retirees and Pensioners


Retirees and pensioners with no age limit can apply for the D7 Portugal Visa. In addition, any type of pension is accepted as long as it is within the minimum amount required by the Portuguese government.

But after all, what is seen D7 Portugal? The description of these cases included in item "b" of Regulatory Decree 84/2007 of 5th of November.

Own-income Holders in Brazil


Brazilian citizens living on income in Brazil can also apply for the D7 visa Portugal.

Income such as: rents, intellectual property, such as copyrights, financial investments and company profits and dividends are accepted. Always remembering that these must be within the minimum limit required to obtain the D7 Visa for Portugal.

Religious Activity


Little is said, but those who exercise religious activity in Brazil may be entitled to acquire the D7 Visa to live in Portugal.

However, it is necessary that, specifically, they are ministers of the cult, or that they exercise professionally religious activity or else they are members of an institute of consecrated life.

Even so, their condition must be certified by the religious community to which they belong, duly recognized by the Portuguese legal system.

In any case, the religious person who is interested in the D7 Portugal Visa must follow the rules imposed by current legislation.

D7 Portugal Visa How Long Does it Take?


Once inserted in the passport, the D7 Portugal Visa is valid for 4 months. During this period, the Residence Permit in Portugal must be requested through the SEF.

This should be done as soon as the person arrives in the country and informs the agency of her arrival. That's why it's important to know how the D7 Portugal Visa works step by step.

What are the Requirements to Acquire the D7 Visa?


Basically, what the Portuguese government wants to know is if you intend to live in Portugal legally and if you will have the resources to support yourself during your stay in the country.

Proof of Income to Obtain a Retiree Visa in Portugal


To apply for the D7 Visa to Portugal, weather as a retiree, income holder or religious, the required amounts are the same.

To qualify for the request, the candidate must prove sufficient and available income - provided for in the legislation - to live in Portugal.

The values to be presented for the Visa for retirees in Portugal are as follows:

  • 100% of the Minimum Wage in force in Portugal for the Visa Holder;
  • 50% of the Minimum Wage in force in Portugal for adults to be regrouped;
  • 30% of the Minimum Wage in force in Portugal for minors or a family member with some disability, to be regrouped.

Foreigners who can prove that they have an amount equivalent to the Portuguese minimum wage for a period of 12 months may apply for a visa.

So, anyone who wants to apply for the D7 Portugal Visa will need to prove that they have this value multiplied by 12, because proof is required for a minimum period of one year.

In addition, along with proof of means of subsistence, it will be necessary to prove accommodation in Portugal and the contracting of international medical insurance, in addition to the presentation of other documents for the processing of the D7 Portugal Visa. We will see these documents below.

How to Prove Income for the D7 Portugal Visa?


Income figures must be available in Portugal, but do not need to be in Portugal at the time of applying for the Consular Visa.

However, it must be proven that they can be transferred to the country.

Retired


The proof is given through the retirement document itself, as well as the guarantee of its receipt or availability of other income in Portugal.

Or, as the law governs: in the case of a retired foreign citizen, through a document proving the respective income, as well as the guarantee of its receipt or availability of other income in the national territory;

It is very important to prove income to live in Portugal legally. So pay attention to all requirements.

Income Holder


If you live on income in Brazil, such as rental of real estate, financial investments, or income from companies, or royalties, it is necessary in all cases to present a copy of the last income tax return.

In the same way, as stated in the law: in the case of a foreign citizen who lives off income from movable or immovable property, intellectual property of financial investments, through a document proving the existence and amount of such income, as well as its availability in Portugal.

If you have a family unit to be grouped, the percentages provided for in the relevant legislation are added to this value.

For those of you who are reading this and have come this far, know that this article is updated with information on the D7 visa in 2022.

Individual Income for the D7 Portugal Visa


Individual income must be equal to or greater than the Portuguese minimum wage to obtain the D7 visa for Portugal.

In this way, the ideal is that your income can generate per month an amount that is equal to the Portuguese minimum wage, which is used as a basis for calculating subsistence in the country.

However, understand that it is not necessary to have money falling into your monthly account to obtain the income holder visa, or D7 Visa Portugal. They can be a semi-annual or annual dividend distribution, for example.

What is not the frequency, but that you can extract from your possessions the Portuguese minimum wage per month to support yourself.

Income from Family Reunification for the D7 Visa


How to take the family to Portugal with the D7 Portugal Visa?

D7 Portugal Visa allows family reunification, that is, you can take relatives to Portugal to live with your family, as a spouse or children.

If you are responsible for supporting these family members, there are percentages to be added to the monthly income that you will have to prove.

In the case of a husband or wife being aggregated, whoever applies for the income holder visa will need to prove the Portuguese minimum wage + 50% of this amount for the spouse per month.

If the family reunification is directed to a child or a disabled family member, the percentage to be increased is 30 % per month.

That is, for you to support yourself, a partner and a child, you will need to prove an income that adds up to €1,269 monthly (with the values of 2022).

Do I Need to Have a Bank Account in Portugal for the D7 Visa?


In addition to proving income through documentation, it is also important to know what the means for this are. The common question is whether there is a need to have a bank account in the country.

And the answer is YES. You will need to have a bank account in Portugal that must have the equivalent of one year of Portuguese minimum wage, which is at least 8,460 Euros (12 X 705 Euros). That's if you go alone. Do not forget to add the values if you are accompanied by financial dependents. This is essential for you to get your D7 Portugal Visa.

If you want to take other family members, follow the rule of values added by each family member.

In other words, the family, with father, mother and child, illustrated in the example above, must have €15,228 in the Portuguese account (12x €1,269). (Note: We, from Portuguese Nationality, will assist in opening a bank account in Portugal, if you don't already have one).

Learn How to Open a Bank Account in Portugal

Continuity of Proof of Income From the D7 Portugal Visa


After the first year living in Portugal, you will need to prove that your income continues to be replenished, so that you can support yourself for a minimum period of 1 year in Portugal.

This is because, once the temporary residence is approved by the Foreigners and Borders Service, it will be granted for 12 months, until it has to be renewed residence.

The residence permit is approved for 12 months, after the first renewal, it is confirmed every two years.

What are the Documents for a D7 Visa in Portugal?


As we have seen before, one of the main requirements for obtaining the D7 visa for Portugal is proof of income availability in Portugal.

In addition to this, the other documents to be presented are basically the same for Residence Visas in general, for Portugal.

See the list of all documents to apply for the D7 Portugal Visa:

Proof of Income Availability in Portugal


You need to prove that you have money at your disposal in Portugal (in a bank account in your name).

The ideal is to consult a specialized consultancy, because the evaluation of the Consulate may require different values, depending on the city where you intend to go. This can also avoid the D7 Portugal visa denied.

Proof of Monthly Income


To prove how much you earn monthly, it is worth attaching to your process to obtain the D7 Visa for Portugal, your latest paychecks and bank statements, for example. Proof of pension or retirement, as well as a copy of the last complete Income Tax.

Proof of Accommodation to Obtain D7 Portugal Visa


The proof of accommodation in Portugal can be presented in 3 ways;

  • Invitation letter issued by a Portuguese citizen or resident in Portugal;
  • Rent Contract;
  • Public debt or proof of property acquisition. (Note: we will help you, if necessary).

Important: Proof of stay in the hotel chain or Airbnb is no longer accepted.

Brazilian Criminal Record Certificate


The document can be obtained online at the Federal Police website.

Authorization for Your Portuguese Criminal Record to be Consulted


The document is used for the SEF - Portuguese Foreigners and Borders Service to be able to search your criminal record in Portugal (model available).

International Travel Medical Insurance or PB4


Medical insurance must be valid for the period you intend to stay in the country with a D7 Portugal Visa.

PB4 Portugal can be requested by INSS beneficiaries in Brazil and can be purchased online.

To ensure its validity, make the apostille before travelling to Portugal. It is valid for one year and can be renewed.

It is worth paying attention to the changes that Consulate can promote. In 2020, in a certain period, it was questioned whether PB4 would still be accepted.

Certified and Original Copy of Valid Passport


The passport must be valid for more than 3 months.

Brazilian Identity Card (RG)


Certified and original copy of the civil document of Brazil.

Two 3 x 4 Photos


Photos must be in colour and recent.

Marriage Certificate or Stable Union


Certified copy if the applicant is married.

Birth Certificate of Minor Children


Certified copy of the certificate, if the applicant has a minor child, who may accompany the trip.

Declaration that You Will not Travel Without a Visa


It is a document in which you undertake not to travel to Portugal without the necessary visa.

Visa Application Form


It must be completed, signed and notarized.

D7 Portugal Visa Letter of Intent


Another document of great importance is the Letter of Intent.

This is a statement from the applicant himself, with an explanation of why he wants to take the D7 Visa Portugal and live in the country.

It is also necessary to talk about how you will support yourself, where you want to live and tell if you have people close to you in the country. It is basically a summary of the other documents.

This must contain the personal motivation of the D7 Visa applicant to settle in Portugal. If well designed, it is the key to a positive order analysis.

If all requirements are met and the D7 Portugal Visa is granted, the Residence Permit must be processed with the SEF - Servi├žo de Estrangeiros e Fronteiras, this happens on arrival in the country.

That is why it is so important to understand the difference between Residence Visa and Residence Permit for Portugal.

Residence Permit in Portugal with D7 Visa


After acquiring the D7 Portugal Visa, upon arrival in the country, it is necessary to request a Residence Permit from the SEF (Foreigners and Borders Service).

Beware that, only with the correct visa, you will be able to apply for a residence permit in Portugal.

This residence permit is valid for 2 years; upon renewal, the title will be valid for 3 years.

After 5 years of legal residence in Portugal, Permanent Residence can be requested, valid for 5 years. And after the 6th year, Portuguese Citizenship can be requested.

It should be noted that family reunification of the spouse and children under 18 years of age can be carried out.

Is it possible to work in Portugal with the D7 Visa?


The D7 Portugal Visa has become popular among retirees and people with income, which can lead to the conclusion that it is not compatible with the performance of a professional activity in Portugal.

However, the holder of this visa is not prevented from working and can be hired or even undertake in Portugal.

Therefore, those who already have income in Brazil and wish to reside in Portugal through the D7 Visa, will be able to work on a regular basis, with the possibility of increasing their source of income legally. In addition, you can still sign up to receive benefits granted to those who invest in the country.

Entrepreneurship in Portugal: mistakes and successes

Which D7 Portugal Visa Change was approved in 2020?


In 2020, due to the vote on the new State budget, a change in the D7 Portugal Visa was approved, as a change in the tax Regime that also benefits holders of residents through the Visa.

These residents had recognized the possibility of enjoying a differentiated model of taxation, in accordance with the Non-Habitual Resident Statute.

This regime gave foreign withdraws the possibility of being exempted from paying income tax for a period of 10 years. This, when there was an agreement to avoid double taxation between countries, as there is with Brazil.

But now a 10% tax will be applied on foreign pension income, with the possibility of detecting the tax paid in Portugal, if they also pay income tax in the country of origin.

When do the Changes Take Effect?


The change to the D7 Visa is already in effect with the new budget law of 2020. It has already been approved by parliamentarians and ratified, the rules have changed and the 10% tax on foreign pensions is now levied.

But all those who are already registered as non-habitual residence will continue to benefit from the old rules. As well as those whose application for registration has already been submitted and is pending analysis.

Why Get the D7 visa for Portugal?


Okay, now that you already know what the D7 Visa is, you must be wondering: but why would I change my whole life and go to Portugal?

The good news is that there is no shortage of reasons! The country offers a very good infrastructure for those who are in their third age of who want to enjoy this phase of life.

We have already put together a text talking about life expectancy and why Portugal is a country adapted to retirees.

Main Reasons to Get D7 visa


Advantages for retirees and income holders to live in Portugal.

The number of foreigners from all over the world with an interest in moving to Portugal has grown. But is it really worth moving to the country on D7 visa? Is this really a good idea?

Once again the answer is YES. Understand some of the reasons below:

Tax Burden


To encourage Brazilians to bring their income to move the Portuguese economy, the Government of the European country offers excellent tax options for those who have the income holder visa, the D7 Portugal Visa.

A Low Cost Life


Portugal offers D7 visa holders a wide range of cities and towns, in the most varied landscapes and climates, where you can live with a really low cost of living. In other words, even converting from real to Euro, it ends up being worth it to be in Europe.

You Have the Best of Both worlds


As we said above, the holder of the D7 Portugal visa does not need to have their income in Portugal to reside here, it is enough that they are accessible so that they can be used for their livelihood.

So, in financial terms, you can have your money in Brazil, a country where investments still pay off a little better, while taking advantage of your D7 Portugal aims to travel through Europe.

Many Options for Travelling


Living with the retiree visa for Portugal means being 365 a year in the middle of Europe. What's more, if your entire life you've worked tirelessly to ensure the best for your family, there's nothing better than taking advantage of your free time in these years to explore new destinations and get to know the world! do you agree?

From Portugal, it is possible to get cheap flights to several countries. In addition, because of retirement, you don't have to travel during high season and expensive prices. You'll have all the time in the world to explore the low season and get to know cities at their quietest.

Safety and Quality of Life in Portugal


In 2019, Portugal was among the safe countries in the world: it ranked 3rd in the Global Peace Index.

Therefore, living in the Portuguese country means quality of life, enjoying the streets a lot, regardless of the time of day, without worrying. But if that's not what will convince you to get the D7 Portugal visa, don't worry, there's more!

In Portugal, you will find a huge variety of entertainment: Street fairs, festivals in the summers, Christmas markets, public libraries, varied cultural events, national parks with waterfalls and trails, mountains, beach, etc. There are literally activities for all tastes!

And, for those who are a fan of gastronomy, also count on foods from different countries! It is possible to enjoy food from North America, South America, various parts of Europe, Asia and even several countries in Africa. That is, entertainment for those who make going out to dinner their main hobby. Not to mention the delicious Portuguese cuisine.

Ease of Adaptation for Retirees


Among all the places where you could live on a retiree visa in Europe, Portugal is definitely the one that most resembles home.

The language, although different, is very similar, which makes it easier when making such a big change. In addition, more than 150,000 Brazilians live in Portugal. That is, you will hear a lot of our accent across the country if you come to live with the D7 Portugal Visa.

Furthermore, Portugal is a temperate country, which means that the weather is not as harsh during winter as in other European countries. Those who decide to live from Lisbon downwards, towards the south of the country, can count on more sunny days and warm temperatures, even more similar to Brazil.

Is the D7 Visa Still Worth it?


Now foreign pensions are taxed in Portugal and there is no longer any exemption for retirees.

But the D7 Portugal Visa does not only cover pensioners and, in fact, there are other beneficiaries who enjoy income in their country of origin that does not come from a pension. Therefore, the Visa for retirees in Portugal can be considered a means to live in the country, but not necessarily that the applicant is actually retired.

So, despite this approved change, the D7 Portugal Visa remains attractive and a good option for all those who can prove their means of subsistence in Brazil.

In short, compared to other European Union countries, Portugal has a low minimum wage, which makes it easier to prove economic means, considering that in other countries the amount required for the same type of visa is usually much higher. Which ends up restricting a lot who seeks to live in Europe with a visa of this type.

Therefore, Portugal remains an excellent gateway for Brazilians who wish to live in Europe on a D7 Visa.

Advice on Applying for the D7 Visa


For this, the acquisition of the D7 Portugal visa goes through the validation of several documents, but it is also very important to know the correct values to be proven in this application, in addition to several details that need to be considered.

Therefore, hiring a specialized consultancy helps to ensure assertiveness. This way, you don't waste time and money, and you feel safe in trusting your goals to a team that has been working in the market for years.

Visas can take advice of a few months with the right, but if something goes wrong, it can be much longer and more costly.

Portuguese nationality advice is available to help you throughout your journey.

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