Portugal D7 Visa vs. Golden Visa: A Comprehensive Comparison

Explore Portugal's premier residency programs to discover which visa aligns with your lifestyle, financial goals, and long-term plans in 2025.

D7 Visa Passive Income Visa

Minimum passive income of €9,840/year for a single applicant (€820/month, adjusted for 2025).

Reside in Portugal for at least 6 months (183 days) per year.

Provide proof of accommodation (rental agreement or property ownership).

Affordable fees: €600 application, €300/renewal (approx.).

Processing time: Typically 2-4 months, subject to consulate workload.

Golden Visa Investment Visa

Minimum investment of €500,000 in funds or €250,000 in cultural preservation (updated options for 2025). Learn more about Portugal Golden Visa

Minimal stay: 7 days in the first year, 14 days per 2-year renewal period.

No prior accommodation proof required at application.

Higher costs: €5,400 application, €2,700/renewal per person (approx.). View detailed cost breakdown

Processing time: 4-8 months, depending on investment verification.

Feature D7 Visa Golden Visa
Financial Requirement €9,840/year passive income (single); €13,776 for couple €500,000 (funds) or €250,000 (cultural investment) View qualifying funds
Stay Requirement 6 months/year (183 days) 7 days/year 1; 14 days/2-year period
Initial Validity 2 years 2 years
Renewal Period 3 years 2 years
Processing Time 2-4 months 4-8 months
Application Fee (approx.) €600/person €5,400/person
Family Inclusion Spouse, children under 18, dependent parents Spouse, children under 26 (if students), dependent parents
Tax Implications Subject to Portuguese tax on worldwide income if resident Non-Habitual Resident (NHR) benefits possible for 10 years Learn about tax benefits
Path to Citizenship 5 years (with A2 Portuguese proficiency) 5 years (with A2 Portuguese proficiency) View visa statistics

Which Visa Suits Your Goals?

D7 Visa Ideal For:

Retirees with pensions, dividends, or rental income meeting the €9,840 threshold.

Remote workers or freelancers with verifiable passive or stable income streams.

Individuals committed to living in Portugal full-time and integrating into local culture.

Budget-conscious applicants seeking lower upfront and ongoing costs.

Those prioritizing a straightforward application process with faster approval.

Golden Visa Ideal For:

High-net-worth individuals diversifying assets through Portuguese investment funds.

Busy professionals or global citizens needing flexibility with minimal stay requirements.

Families seeking Schengen access and education opportunities for children under 26.

Investors eyeing Portugal's Non-Habitual Resident (NHR) tax regime for up to 10 years. Find a qualified immigration lawyer

Those comfortable with higher costs for long-term EU residency and potential returns. Compare with other Golden Visa programs

Why U.S. Citizens Choose Zoark

See how our Portugal Golden Visa expertise, U.S. tax knowledge, and white-glove service set us apart from traditional immigration or law firms.

Feature Zoark Traditional Immigration Firms General Law Firms
Focus Area Portugal Golden Visa for U.S. Investors Multiple visa types and immigration services Various legal services including immigration
Expertise Specialized in Portugal residency & U.S. tax compliance Varies by firm Limited or outsourced
Client Profile U.S. HNWIs, entrepreneurs, and family offices General public & expats General public & corporations
Programs Covered Portugal Golden Visa (primary), select EU residency & citizenship Limited by local expertise Very limited, often single country
Wealth & Asset Protection U.S.–Portugal tax planning, estate & asset structuring Basic or none Not offered
Investment Advisory Curated, compliant Portuguese investment opportunities Basic investment guidance Limited financial expertise
Level of Service Confidential, white-glove, U.S.-focused Standard/volume-driven support General legal advisory
Personalization Dedicated advisor, tailored to your goals Limited or templated approach Little to no personalization
Client Discretion NDA, privacy-first, trusted by U.S. family offices Not guaranteed Not guaranteed
Success Rate Proven approvals for U.S. Golden Visa applicants Varies, not specialized General legal track record

The Zoark Advantage

Portugal Golden Visa Specialists

Exclusive focus on U.S. citizens applying for Portugal’s Golden Visa — from investment selection to final residency approval.

U.S. Tax & Compliance Expertise

We navigate both U.S. and Portuguese tax requirements, ensuring full compliance and peace of mind.

Wealth & Asset Protection

We safeguard your assets, optimize your tax position, and structure your investments for long-term legacy planning.

Curated Investment Access

Gain entry to vetted Portuguese real estate, funds, and projects chosen for performance, security, and eligibility.

Confidential, White-Glove Service

Work directly with a dedicated advisor who understands your goals and protects your privacy.

Trusted by HNWIs Nationwide

American investors and families trust Zoark for a smooth, discreet path to European residency.