---
title: "Portugal D7 passive income visa vs Spain Non-lucrative visa"
url: https://settleanywhere.com/compare/portugal-retirement-own-income-visa-vs-spain-nonlucrative-residence/
lang: en
updated: 2026-10-12
---

Head to head

# Portugal D7 passive income visa vs Spain Non-lucrative visa

Two retirement and savings routes side by side: money, stay, family, fees and tax, from the official sources. The official authority decides every application.

## Key differences

- **Money** Portugal D7 passive income visa asks for income of €920+ a month ≈ $1,030; Spain Non-lucrative visa for income of €2,400+ a month ≈ $2,680.
- **First stay** The first stay is 2 yrs on Portugal D7 passive income visa and 1 yr on Spain Non-lucrative visa.
- **Renewal** Renewable on both.
- **Permanent residence** After 5 years of residence on both.
- **Citizenship** After 10 years of residence on both.
- **Family** Portugal D7 passive income visa: spouse can work. Spain Non-lucrative visa: spouse can't work.
- **Government fees** The first government fee listed is €114 ≈ $130 for Portugal D7 passive income visa and €90 ≈ $100 for Spain Non-lucrative visa; the table lists every fee.
- **Tax residence** Portugal: more than 183 days (any 12-month period starting or ending in the tax year). Spain: more than 183 days (calendar year).

## Side by side

|   | Portugal [D7 passive income visa](https://settleanywhere.com/countries/portugal/retirement-own-income-visa/) | Spain [Non-lucrative visa](https://settleanywhere.com/countries/spain/nonlucrative-residence/) |
| --- | --- | --- |
| **Country:** | *1* D7 passive income visa [Portugal](https://settleanywhere.com/countries/portugal/) | *2* Non-lucrative visa [Spain](https://settleanywhere.com/countries/spain/) |
| **Type:** | *1* D7 passive income visa Retire or live on savings | *2* Non-lucrative visa Retire or live on savings |
| **Money needed:** | *1* D7 passive income visa **Needs income of €920+ a month ≈ $1,030** | *2* Non-lucrative visa **Needs income of €2,400+ a month ≈ $2,680** |
| **First stay:** | *1* D7 passive income visa **2 yrs** | *2* Non-lucrative visa **1 yr** |
| **Renewal:** | *1* D7 passive income visa **Renewable** Details Valid two years from issue, then renewable in successive three-year periods while subsistence, housing and tax and social-security conditions are still met. File renewal at least 30 days before expiry. [Procuradoria-Geral Distrital de Lisboa](https://www.pgdlisboa.pt/leis/lei_mostra_articulado.php?nid=920&tabela=leis) [Portuguese Government](https://www.gov.pt/servicos/pedir-um-visto-de-residencia-para-fixacao-de-residencia-de-reformados-religiosos-e-pessoas-que-vivem-de-rendimentos-proprios) | *2* Non-lucrative visa **Renewable** Details The initial authorization lasts one year; renewals last two years and must be requested in the two months before expiry. [Boletín Oficial del Estado](https://www.boe.es/buscar/act.php?id=BOE-A-2024-24099) [Ministry of Inclusion, Social Security and Migration](https://inclusion.gob.es/en/web/migraciones/w/autorizacion-inicial-de-residencia-temporal-no-lucrativa) |
| **Spouse can work:** | *1* D7 passive income visa **Can work** | *2* Non-lucrative visa **Can't work** |
| **Work:** | *1* D7 passive income visa | *2* Non-lucrative visa **No** Details No work or professional activity in Spain; the authorization is for living on your own means. |
| **Government fees:** | *1* D7 passive income visa **€114 ≈ $130 · €110 ≈ $120** Details €114 ≈ $130 Fee for granting or renewing the temporary residence permit; EUR 85.80 (≈ $96) when applied for digitally. €110 ≈ $120 National visa processing fee. | *2* Non-lucrative visa **€90 ≈ $100 · $13** Details €90 ≈ $100 National long-stay visa (type D) processing fee, collected in euros or local currency; some nationalities pay a different amount under reciprocity. $13 Residence permit fee (form 790-052) paid with the visa application at the Spanish consulate in Washington; the consulate revises it quarterly. |
| **Permanent residence:** | *1* D7 passive income visa **After 5 years of residence** Details Permanent residence needs five years on a temporary residence authorization, no serious recent conviction, means of subsistence, housing and basic Portuguese. [Procuradoria-Geral Distrital de Lisboa](https://www.pgdlisboa.pt/leis/lei_mostra_articulado.php?nid=920&tabela=leis) | *2* Non-lucrative visa **After 5 years of residence** Details Long-term residence needs five years of continuous legal residence; absences of up to 6 consecutive months (10 in total, or 18 for work) do not break continuity. [Boletín Oficial del Estado](https://www.boe.es/buscar/act.php?id=BOE-A-2024-24099) |
| **Citizenship:** | *1* D7 passive income visa **After 10 years of residence** Details Naturalisation needs 10 years of legal residence on any residence title or visa (7 years for nationals of Portuguese-speaking countries and EU states), plus Portuguese language and culture, and means of subsistence. [Diário da República / Assembleia da República](https://files.diariodarepublica.pt/1s/2026/05/09500/0000200020.pdf) | *2* Non-lucrative visa **After 10 years of residence** Details Nationality needs 10 years of legal, continuous residence immediately before applying (2 years for nationals of Ibero-American countries, Andorra, the Philippines, Equatorial Guinea and Portugal), plus good conduct and integration. [Agencia Estatal Boletín Oficial del Estado](https://www.boe.es/buscar/act.php?id=BOE-A-1889-4763) |
| **Processing:** | *1* D7 passive income visa **Up to 60 days** Details The consulate must decide a residence visa within 60 days; after arrival AIMA must decide the residence permit within 90 days, extendable by 30 in exceptional cases. [Procuradoria-Geral Distrital de Lisboa](https://www.pgdlisboa.pt/leis/lei_mostra_articulado.php?nid=920&tabela=leis) [Portuguese Government](https://www.gov.pt/servicos/pedir-um-visto-de-residencia-para-fixacao-de-residencia-de-reformados-religiosos-e-pessoas-que-vivem-de-rendimentos-proprios) | *2* Non-lucrative visa **Official timeline** Details The authority must decide within one month of receiving the consulate's communication (silence means refusal); renewals within three months (silence means approval). [Boletín Oficial del Estado](https://www.boe.es/buscar/act.php?id=BOE-A-2024-24099) [Ministry of Inclusion, Social Security and Migration](https://inclusion.gob.es/en/web/migraciones/w/autorizacion-inicial-de-residencia-temporal-no-lucrativa) |
| **Where to apply:** | *1* D7 passive income visa **From abroad** Details Apply for the residence visa at the Portuguese consulate, then book an AIMA appointment after entry for the residence authorization. [Portuguese Government](https://www.gov.pt/servicos/pedir-um-visto-de-residencia-para-fixacao-de-residencia-de-reformados-religiosos-e-pessoas-que-vivem-de-rendimentos-proprios) [Procuradoria-Geral Distrital de Lisboa](https://www.pgdlisboa.pt/leis/lei_mostra_articulado.php?nid=920&tabela=leis) | *2* Non-lucrative visa **From abroad** Details Apply at the Spanish consulate; the visa request includes the residence authorization request. [Ministry of Inclusion, Social Security and Migration](https://inclusion.gob.es/en/web/migraciones/w/autorizacion-inicial-de-residencia-temporal-no-lucrativa) [Boletín Oficial del Estado](https://www.boe.es/buscar/act.php?id=BOE-A-2024-24099) |
| **Employer needed:** | *1* D7 passive income visa **No** | *2* Non-lucrative visa **No** |
| **Tax residence test:** | *1* D7 passive income visa **More than 183 days (any 12-month period starting or ending in the tax year)** | *2* Non-lucrative visa **More than 183 days (calendar year)** |
| **Foreign-source income:** | *1* D7 passive income visa Resident individuals are taxed on worldwide income, including foreign-source income, at progressive rates from 12.5% up to 48% on the 2026 brackets set by the 2026 State Budget (Lei 73-A/2025: first bracket up to EUR 8,342, (≈ $9,320) top rate above EUR 86,634 (≈ $96,800)), plus an additional solidarity rate of 2.5% on taxable income above EUR 80,000 (≈ $89,400) and 5% above EUR 250,000 (≈ $279,000); non-residents are taxed on Portuguese-source income. | *2* Non-lucrative visa Residents are taxed on worldwide income, including foreign-source income. |
| **Official source:** | *1* D7 passive income visa [Portuguese Government](https://www.gov.pt/servicos/pedir-um-visto-de-residencia-para-fixacao-de-residencia-de-reformados-religiosos-e-pessoas-que-vivem-de-rendimentos-proprios) | *2* Non-lucrative visa [Ministry of Foreign Affairs, Spain](https://www.exteriores.gob.es/Consulados/washington/en/ServiciosConsulares/Paginas/Consular/Visado-de-residencia-no-lucrativa.aspx) |
| **Checked against official sources:** | *1* D7 passive income visa 12 Oct 2026 · [Rule changed 18 May 2026](https://settleanywhere.com/changes/2026-05-18-portugal-c53a9d/) | *2* Non-lucrative visa First checked 11 Oct 2026 |

≈ USD figures are approximate: daily reference rates from ExchangeRate-API, dated 12 Oct 2026, refreshed when the site is updated.

**Official sources**

### Portugal D7 passive income visa

1. [Residence visa for retirees and people living on own income](https://www.gov.pt/servicos/pedir-um-visto-de-residencia-para-fixacao-de-residencia-de-reformados-religiosos-e-pessoas-que-vivem-de-rendimentos-proprios) · Portuguese Government (gov.pt / DGACCP) · checked 2026-10-10
2. [Means of subsistence for long-stay visas (2026 RMMG EUR920)](https://vistos.mne.gov.pt/pt/vistos-nacionais/documentacao-instrutoria/meios-de-subsistencia) · Ministry of Foreign Affairs (vistos.mne.gov.pt) · checked 2026-10-12
3. [Residence visa documentation by purpose](https://vistos.mne.gov.pt/pt/vistos-nacionais/documentacao-instrutoria/residencia) · Ministry of Foreign Affairs (vistos.mne.gov.pt) · checked 2026-10-12
4. [Lei n.º 23/2007 (Foreigners Law, REPSAE), consolidated text current to Lei n.º 62/2026 of 10 September 2026](https://www.pgdlisboa.pt/leis/lei_mostra_articulado.php?nid=920&tabela=leis) · Procuradoria-Geral Distrital de Lisboa (consolidated legislation) · checked 2026-10-10
5. [2026 guaranteed minimum monthly wage (RMMG) EUR920, Decreto-Lei 139/2025](https://www.dgert.gov.pt/retribuicao-minima-mensal-garantida-para-2026) · DGERT · checked 2026-10-10
6. [National visa fees](https://vistos.mne.gov.pt/pt/vistos-nacionais/informacao-geral/emolumentos) · Ministry of Foreign Affairs, Portuguese visa portal · checked 2026-10-12
7. [AIMA table of fees for residence and stay procedures (Portaria 307/2023 as consolidated, in force from 1 March 2026)](https://aima.gov.pt/documents/tabela-de-taxas-e-demais-encargos-a-cobrar-pelos-procedimentos-administrativos.pdf) · Agency for Integration, Migration and Asylum (AIMA) · checked 2026-10-11
8. [AIMA family reunification, Article 98(2) in Portugal](https://aima.gov.pt/pt/viver/reagrupamento-familiar-com-familiar-em-territorio-nacional-art-98-o-n-o-2) · AIMA · checked 2026-10-10
9. [Lei n.º 61/2025 of 22 October (amends Law 23/2007, Arts. 98-105)](https://files.diariodarepublica.pt/1s/2025/10/20400/0000900017.pdf) · Diário da República · checked 2026-10-10
10. [Lei Orgânica n.º 1/2026 of 18 May (amends the Nationality Law, Law 37/81)](https://files.diariodarepublica.pt/1s/2026/05/09500/0000200020.pdf) · Diário da República / Assembleia da República · checked 2026-10-11

### Spain Non-lucrative visa

1. [Non-lucrative residence visa](https://www.exteriores.gob.es/Consulados/washington/en/ServiciosConsulares/Paginas/Consular/Visado-de-residencia-no-lucrativa.aspx) · Ministry of Foreign Affairs, Spain · checked 2026-10-10
2. [Sheet 6 - Initial authorization of non-lucrative temporary residence](https://inclusion.gob.es/en/web/migraciones/w/autorizacion-inicial-de-residencia-temporal-no-lucrativa) · Ministry of Inclusion, Social Security and Migration · checked 2026-10-10
3. [Real Decreto 1155/2024, Regulation of Ley Orgánica 4/2000: consolidated text (in force 20 May 2025)](https://www.boe.es/buscar/act.php?id=BOE-A-2024-24099) · Boletín Oficial del Estado · checked 2026-10-10
4. [Monthly and annual values of SMI and IPREM 2026](https://www.sepe.es/HomeSepe/en/Personas/distributiva-prestaciones/Cuantias-anuales.html) · Public Employment Service (SEPE) · checked 2026-10-10
5. [Orden AUC/891/2024 setting the fees for processing visas](https://www.boe.es/buscar/doc.php?id=BOE-A-2024-17292) · Official State Gazette (BOE) · checked 2026-10-11
6. [Código Civil, Art. 22 (Spanish nationality by residence)](https://www.boe.es/buscar/act.php?id=BOE-A-1889-4763) · Agencia Estatal Boletín Oficial del Estado · checked 2026-10-11

## More head-to-heads