Portugal has become one of Europe's most sought-after expat destinations, offering a D7 Passive Income Visa, Golden Visa, affordable cost of living compared to Western Europe, mild climate, safety, and the NHR tax regime for significant tax savings. This guide covers everything you need to relocate to Portugal.
最后更新：2026年3月 — 编辑团队, eVisa-Card.com
主要选项： D7 Passive Income Visa (for retirees/remote workers, €760/month income), Digital Nomad Visa (€3,040/month income), D2 Entrepreneur Visa, Golden Visa (investment, path to citizenship). EU/EEA citizens register at the local council (Câmara Municipal) without a visa.
Apply at any Finanças office or Portuguese consulate. You can use a fiscal representative initially. The NIF is required to open a bank account and sign a lease.
Submit at a Portuguese consulate: passport, proof of income (€760+/month for D7), health insurance, criminal background check, accommodation proof, passport photos.
Open with Millennium BCP, BPI, Santander Portugal, or Caixa Geral. You'll need your NIF, passport, and visa. Some banks offer non-resident accounts (NHR applicants).
Book an appointment with AIMA (Agency for Integration, Migration and Asylum) to convert your visa to a residence permit. The appointment backlog can be 3–6 months — book immediately upon arrival.
Apply for Non-Habitual Resident status within 31 March of the year following your first tax registration. NHR provides 10 years of flat 20% tax rate on Portuguese income and exemptions on foreign income.
Register at your local SNS (National Health 服务) health centre with your residence permit. Public healthcare is free or very low-cost for registered residents.
EU licence holders: no exchange needed. Non-EU: exchange your licence within 90 days of residency or take Portuguese driving test.
Lisbon 1-bed: €1,200–€1,800/month. Porto 1-bed: €900–€1,400/month. Algarve villa: €900–€2,500/month. Silver Coast / interior towns: €500–€800/month. Prices rose sharply post-2020 — book accommodation before arriving.
Major banks: Millennium BCP, BPI, Santander, Novobanco. Open with NIF + passport. Revolut and N26 popular among expats. Wise essential for receiving international transfers.
SNS public healthcare for registered residents (utentes). Excellent private hospitals (CUF, HPA). Private health insurance averages €50–€150/month. EU EHIC card valid for tourists transitioning.
Lisbon: €2,000–€3,000/month couple. Porto: €1,700–€2,500/month. Algarve/interior: €1,200–€2,000/month. Portugal remains 20–30% cheaper than France, Germany or UK.
€760/month for the main applicant (Portugal's minimum wage), plus €380 for a spouse and €228 per dependent child. Proof via pension, rental income, dividends or remote employment contract.
In 2025–2026, AIMA appointments can take 3–9 months. Apply online immediately after arrival and get a document confirming your application (to show authorities if needed).
Yes, with no restrictions. You'll need a NIF and Portuguese bank account. Notarial fees and property transfer tax (IMT) apply. Prices in Lisbon/Porto are €4,000–€8,000/m².
Yes — Portugal consistently ranks among the world's safest countries (Global Peace Index top 10). Low crime, stable politics, friendly population.
Yes, after 5 years of legal residency. You need A2 Portuguese language proficiency, clean criminal record, and proof of community ties.
资本利得税: 28% CGT (0% if held > 365 days)
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编辑团队 — eVisa-Card.com
侨民指南由旅游专家、移民专家和具有葡萄牙第一手经验的侨民撰写。
✔ 经过核实的信息 ✔ 更新于2026年3月 ✔ 引用官方来源