What Is the D7 Visa?
The D7 Visa (Passive Income / Retirement Visa) is a legal path for non-EU/EEA/Swiss citizens who have stable income without relying entirely on employment in Portugal. It’s meant for retirees, investment income earners, rental income, pensions, dividends, or those with other passive sources.
Holders of the D7 visa can:
- obtain residence status in Portugal;
- bring dependents (spouse, children, sometimes dependent parents);
- after a period of legal residency (commonly 5 years), apply for permanent residency or citizenship under Portuguese law;
Key Requirements (2025)
Here are the main requirements to apply for a D7 visa:
| Requirement | Details |
|---|---|
| Nationality | Must be a non-EU / non-EEA / non-Swiss citizen. |
| Passive Income | Regular passive income from pensions, dividends, rental, investments etc. Not usually active employment income. |
| Minimum Amount | ~ €870/month for a single applicant (~€10,440/year) in 2025. Add ~50% more for a spouse, ~30% per dependent child. |
| Savings or Bank Requirement | Often need savings equivalent to a year’s minimum income deposited or sufficiency in bank statements. |
| Proof of Accommodation | Rental contract, property deed, or another proof showing you have a place to reside in Portugal. |
| Health Insurance | Valid health insurance (often private) that covers you and your dependents. |
| Clean Criminal Record | Must provide a criminal record check from your country of residence (and any countries you have lived in significantly). |
| Stay Requirement | Must commit to spend a certain amount of time in Portugal (often ~183 days/year) to maintain residence permit. |
How Dogpay Helps During the D7 Application & Early Residency
When applying for D7 or moving under that visa, there are payment / financial frictions. Dogpay can help reduce friction, cost, risk in these steps:
- Proof of Income & Bank Statements Many requirements need showing bank statements, translation of foreign pension/dividend statements. If the documents/payouts are foreign currency or cross-border, using Dogpay ensures you can get them transferred / converted with known fees, helping to produce clean documentation.
- Health Insurance Premium Payments Insurance providers or brokers may demand upfront payments or foreign currency transfers. Dogpay allows you to make those payments clearly, track them, minimize extra bank fees or bad exchange rates.
- Accommodation Deposit / Rental Payments Renting or securing proof of accommodation often needs initial deposits or paying non-local landlords. If those payments are cross-border or involve currency conversion, Dogpay helps by reducing conversion losses and showing full cost.
- Visa & Government Fee Payments Visa application, consulate fees, translation / legalization / notarization of documents often have cross-border or foreign-currency components. Dogpay can help you make these fees in a way where you know exactly how much the Portuguese authorities will receive.
- Savings / Fund Transfers You may need to deposit savings equal to a year’s minimum income or more. If these savings are held abroad, transferring them can incur fees & variable exchange rates. Dogpay’s more transparent cross-currency/fund transfer mechanisms help preserve more value.
- Maintaining Residency & Renewals Over the years, as you renew residence permits, pay for renewals, maintain required stay thresholds, health insurance, etc., you’ll have recurring costs. Dogpay helps schedule or execute these payments reliably, maintain proof, and avoid delays or penalties.
