Introduction: Why Portugal is a 2025 Hotspot
What do you need to live in Portugal? Let’s find out. Since the early 2000s, Portugal has positioned itself as one of the most attractive European destinations for expatriates and their families looking to relocate to a safer haven. Thanks to a warm climate, stunning coastal cities and archipelagos (the Autonomous Region of Madeira and the Autonomous Region of the Azores), excellent healthcare, and a laid-back lifestyle, it’s easy to see why the country is so appealing. Over the past few years, Portugal has experienced a surge in international interest because of its beauty and affordability and the government’s streamlined immigration processes that make settling here more accessible than ever.
Regardless of where you will end up living in Portugal, understanding what you must do in Portugal is essential to make a smooth and successful transition.
Legal Residency Requirements
The first step for those wishing to relocate to Portugal is always securing the right to reside legally. For EU, EEA (European Economic Area), and Swiss citizens, although they benefit from the right to live and work in Portugal without a visa, they still have to register with the city/town hall with jurisdiction over their residential address within 90 days of arrival to obtain a residency certificate.
As for non-EU/EEA/Swiss nationals, they must apply for a visa from the Portuguese consulate (or VSF Global) in their country of residency. Upon obtaining the visa and once in Portugal, non-EU/EEA/Swiss nationals nationals must then obtain a residence permit from the immigration agency AIMA.
Types of Visas and How to Apply
- The D7 Visa is ideal for retirees or those with stable passive income, such as pensions or dividends. Applicants must demonstrate that their income meets the minimum national wage and show proof of accommodation in Portugal.
- Remote workers and freelancers should explore the D8 Digital Nomad Visa. This new visa type allows location-independent professionals to stay for up to one year, with the option to renew.
Traditional Work Visas remain available for skilled professionals employed by a Portuguese company. Meanwhile, the Student Visa caters to international students enrolled in recognized Portuguese institutions.
The required documents for visa application by non-EU/EEA/Swiss nationals include a valid passport, proof of income or employment, private international health insurance, Portuguese accommodation confirmation, and a criminal background check.
Getting a NIF (Portuguese Tax Number)
The first and foremost essential step to living legally in Portugal is obtaining a NIF—Número de Identificação Fiscal. This tax number is vital for almost every aspect of life in Portugal. Without it, you can’t open a bank account, sign a rental lease, get a phone contract, or even register for utilities.
For non-residents, getting a NIF is surprisingly straightforward. You can apply for it in person at a local tax office (Finanças) or hire a fiscal representative to help you remotely, which is especially useful if you’re not yet in Portugal. In 2025, several digital services offer NIF acquisition online, with quick turnaround times and English-speaking support.
Your NIF will be linked to a Portuguese address—either temporary or permanent. Under Portuguese tax law, the address associated with the NIF is to be updated as your residency circumstances change, even if you leave Portugal. Moreover, the NIF will also be crucial when it comes time to file taxes, access government services, or bequeath your estate upon death.
Opening a Portuguese Bank Account
Once you have an NIF, the next step is to open a bank account in Portugal. Most landlords and utility providers require you to pay from a Portuguese bank, making this step non-negotiable. In 2025, several banks offer non-resident accounts, primarily catering to expats.
You’ll need to present your passport, proof of address (even if abroad), your NIF, and sometimes proof of income or employment. Banks like Millennium BCP, Novo Banco, and Santander Totta remain popular.
As for Banco Atlântico Europa, it offers the possibility of opening a remote bank account with minimal paperwork, provided that you have nationality from a set list of countries.
Finding Accommodation in Portugal
Rental markets vary significantly by region. For example, Lisbon and Porto are the most expensive, while cities like Funchal and Coimbra and regions like Alentejo offer lower-cost options.
In 2025, the demand for long-term rentals has grown, especially in digital nomad hubs such as Lisbon and Funchal. Using reputable property platforms or working with real estate agents who are fluent in English and familiar with expat needs is advisable.
If you’re buying, you’ll need a lawyer to conduct due diligence on the property, including ownership history and zoning regulations. It’s also recommended to have a mortgage broker if you’re financing the purchase.
Healthcare in Portugal: What Expats Must Know
Portugal offers a dual healthcare system, combining public and private services. Residents legally living in Portugal, including expats, have access to the Serviço Nacional de Saúde (SNS), the public health system. You must register at your local health centre using your residence permit and social security number.
Expats widely use private healthcare because it offers shorter wait times and English-speaking staff. Health insurance, while not mandatory, is highly recommended—especially if you want to use private hospitals and clinics.
EU citizens can use the European Health Insurance Card (EHIC) temporarily but should register for the local system if they stay long-term. Non-EU/EEA/Swiss residents must secure private insurance through an international provider or a Portuguese company approved by the government.
Frequently Asked Questions (FAQs)
1. Do I need a visa to live in Portugal in 2025?
Yes, unless you are an EU, EEA, or Swiss citizen. Non-EU/EEA/Swiss residents must apply for a visa based on their employment, retirement, or study plans before moving.
2. Can I get Portuguese residency by buying a property?
The Golden Visa program still exists in 2025 but has shifted focus away from property. Other investment options are more likely to lead to residency now.
3. Is Portugal good for digital nomads?
Absolutely. Portugal introduced a specific Digital Nomad Visa with great internet, co-working spaces, and a welcoming community of remote workers.
4. How hard is it to learn Portuguese?
While not the easiest language, many expats learn the basics within a year. Dedicated learners can obtain A2-level proficiency with a year of intensive classes. Government programs and language schools offer great resources to help.
5. What’s the best city to live in as an expat?
Funchal, Lisbon, and the Algarve remain top choices. Nonetheless, cities like Castelo Branco and Fundão are gaining popularity for their charm and lower costs, country-side atmosphere and a short drive from the countryside borders with the Kingdom of Spain.
What do you need to live in Portugal? A conclusion
To ensure a successful move, you must understand what you need to live in Portugal—from legal paperwork and visas to practicalities like healthcare, housing, and taxes.
With preparation and the proper support from lawyers, certified accountants and tax advisors, relocating to Portugal in 2025 can be a seamless and enriching experience. The country offers sunshine, seafood, stability, security, and a genuine sense of community. Following the steps outlined in this guide, you’ll be well on your way to calling Portugal your new home.
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