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EU Digital Nomad Visa – Live and Work in Europe Legally
Golden visaEU Digital Nomad Visa – Live and Work in Europe Legally If your job only requires a laptop, a good Wi-Fi connection, and your creative mind, there's no reason to stay anchored to one location.  You have the freedom to work from anywhere, and you should embrace it! For digital nomads, those in remote work, freelancing, or running a business on the go, Europe is one of the best places to be. With a great quality of life, a variety of cultures, and solid infrastructure, it provides the perfect environment for remote living and working. Thanks to the popularity of remote work, many EU countries now offer specialized digital nomad visas. Obtaining it can simplify legal residency, provide tax advantages, and opens doors to potential citizenship opportunities. What is a Digital Nomad Visa? A digital nomad visa in Europe is a special type of residency permit designed for remote workers, freelancers, entrepreneurs, and digital nomads whose income comes from outside the country where they plan to live. It's a legal solution allowing digital nomads to reside and work in Europe without being employed by a local company. Unlike traditional work visas, a digital nomad visa in Europe recognizes that your employment or self-employment takes place remotely and outside the host nation. This unique arrangement means you can legally live in a European country without directly competing with local workers. In Europe, a digital nomad visa typically allows you to stay in the host country for periods ranging from several months to a couple of years, and it is often renewable. This can be your gateway to residency, long-term settlement, and, depending on the host nation's regulations, even citizenship opportunities. Securing a digital nomad visa in the EU can come with enticing financial rewards, such as tax benefits. Some European countries offer special tax policies for digital nomads, meaning you can enjoy the lifestyle you've dreamed of while also making a financially sound choice. Benefits of Digital Nomad Visas in Europe One of the most attractive perks of obtaining a digital nomad visa in Europe is the freedom to easily explore not just your chosen country but virtually the entire European Union.  When you obtain a residency in one EU country, you will also have unrestricted access to all 27 countries within Europe's Schengen Area. You can enjoy a sunny beach in Portugal one week and go skiing in Switzerland the next, all without the hassle of travel permits. With remote work on the rise, more than a dozen European countries with digital nomad visas offer tailored residency programs for remote workers.  Estonia, known for its advanced digital infrastructure, provides e-Residency, which allows digital nomads to manage their businesses entirely online, even remotely signing contracts and handling taxes digitally.  Croatia hosts digital nomad villages like the one in Zadar, which features dedicated accommodation, coworking spaces, and social events exclusively for remote workers.  Portugal, especially Lisbon and Madeira, actively supports nomads through thriving communities, budget-friendly coworking hubs, and plenty of meetups that make it easy to network. Financially speaking, the incentives can be substantial. Some European countries are offering tax breaks to attract remote workers. These tax incentives can be a huge draw for nomads looking to save on taxes while enjoying the freedom of working in Europe. Portugal's Non-Habitual Residency scheme provides remote workers with favorable tax rates on foreign-earned income for up to a decade. Likewise, Greece offers remote workers a substantial tax reduction, cutting their income tax by 50%. The diversity of culture, history, climate, and pace of life across Europe means there's something for everyone; you just need to find the destination that resonates the most with you. Best European Countries with Digital Nomad Visas Among the numerous European countries with digital nomad visas, a handful have created conditions that can make the choice easier for you. These destinations have the right mix of long-term stability, tax incentives, and community that supports your work as well as your well-being.  It doesn't matter if you're just planning a few years abroad or hoping for a permanent place to stay; these countries make it easier to feel at home. Portugal Portugal has become a favorite for a lot of people: travelers, expats, and now, digital nomads. The mix of ocean views, walkable cities, laid-back living, and great weather is hard to beat. Whether you're walking through Lisbon's hills, grabbing a glass of wine in Porto, or spending a few months in Madeira, you get the feeling that life there moves at a slower, more livable pace. For digital nomads, Portugal checks a lot of boxes. The Internet is reliable, coworking spaces are easy to find, and there's a growing remote work scene in cities big and small. Portugal Digital Nomad Visa - Essential Information InformationDetailsVisa NameTemporary Stay Visa for Remote Work (Digital Nomad Visa)Visa DurationInitially valid for 1 year; renewableApplication Cost€75 (temporary stay visa) or €90 (long-term visa)Income RequirementMinimum monthly income of €3,480 (4x Portuguese minimum wage)AccommodationProof of accommodation (e.g., rental agreement) requiredHealth InsuranceMandatory valid international health insuranceProof of Remote WorkEmployment contract or evidence of freelance/business activity abroadTax BenefitsIFICI regime - favorable tax treatment for research and innovationProcessing TimeTypically 4–6 weeksFamily InclusionSpouse and dependent children can be includedCitizenship PathwayEligible after 5 years of legal residencyLanguage RequirementsNone required for visa Croatia Croatia has a lot going for it: stunning coastline, historic towns, clear blue water, and more than a thousand islands scattered along the Adriatic. Towns like Dubrovnik and Split mix history with a relaxed, seaside atmosphere that's hard to beat. It's also become a strong option for digital nomads. Cities like Zadar and Dubrovnik have leaned into the remote work trend, building coworking spots, hosting community events, and launching dedicated nomad villages.  The visa process is relatively smooth, and there's a growing number of expats and nomads who've already made Croatia home. Croatia Digital Nomad Visa - Essential Information InformationDetailsVisa NameTemporary Stay Visa for Digital NomadsVisa DurationUp to 1 year, non-renewable (reapply after 6 months)Application Cost~100€Income RequirementMinimum monthly income of €2,870 or €34,440 in savings for 12 monthsAccommodationProof of accommodation (e.g., rental agreement) requiredHealth InsuranceMandatory travel or private health insurance for the duration of stayProof of Remote WorkEmployment contract or proof of freelance/business work outside CroatiaTax BenefitsExempt from Croatian income tax on foreign earningsProcessing TimeVaries (submit online or at consulate)Family InclusionImmediate family members can join (additional income required)Citizenship PathwayNo direct pathway to citizenship or permanent residency is specified for this visaLanguage RequirementsNone (no language test for visa, only for citizenship later) Estonia Estonia is one of those places where old and new actually work well together. Tallinn, the capital, is full of medieval streets and centuries-old buildings, but it's also one of the most digitally advanced cities in Europe.  You'll find fast Internet everywhere, a strong startup scene, and a government that's made nearly everything accessible online. For digital nomads, especially those in tech, Estonia really stands out. Its e-Residency program lets you start and run a business remotely without ever needing to live there full time. It's a smart setup for freelancers, founders, or anyone who wants a simple way to manage work across borders. Estonia Digital Nomad Visa - Essential Information InformationDetailsVisa NameEstonia Digital Nomad VisaVisa DurationUp to 1 year (non-renewable, new application required)Application CostApproximately €150Income RequirementMinimum monthly income €3,504AccommodationProof of accommodation requiredHealth InsuranceMandatory valid international health insuranceProof of Remote WorkEmployment contract or proof of freelance/business activities abroadTax BenefitsNo tax obligations for income earned outside Estonia (up to 183 days)Processing TimeTypically 30 daysFamily InclusionImmediate family members allowedCitizenship PathwayNo direct citizenship pathway via this visaLanguage RequirementsNone Spain Spain has long been a favorite for people drawn to its mix of loud cities, coastal living, and rich cultural life. Whether you're in the streets of Barcelona, grabbing tapas in Madrid, or catching a sunset in Valencia, Spain's charm is hard to beat. And if big cities aren't your thing, Spain's countryside and coastlines offer plenty of space to slow down. For remote workers, Spain offers more than a great lifestyle. There's strong infrastructure, solid healthcare, and one of the more appealing tax structures for foreigners, thanks to the Beckham Law.  The growing community of digital nomads, especially in places like Valencia and Málaga, makes it easy to find your footing socially and professionally. Spain Digital Nomad Visa - Essential Information InformationDetailsVisa NameSpain Digital Nomad Visa (Residence for Remote Work)Visa DurationInitially 1 year, renewable up to 5 yearsApplication CostApproximately €100-€200Income RequirementProof of monthly income at least 75% greater than the current minimal wage in Spain, with an additional 25% for each family member. Currently ~2100€ if you're applying alone.AccommodationProof of accommodation is requiredHealth InsuranceMandatory valid international health insuranceProof of Remote WorkContract with foreign employer or freelance income sources abroad.Tax BenefitsReduced tax rate (Beckham Law - 24% flat rate on income up to 5 years)Processing TimeTypically 20-30 daysFamily InclusionImmediate family is eligibleCitizenship PathwayPossible after 10 years of legal residencyLanguage RequirementsNone Greece Greece is one of those countries that draws people in with history, but makes them stay for the pace of life. Athens is full of energy and ancient landmarks, while the islands, like Crete or Santorini, offer slower rhythms, stunning views, and sun-soaked days. The culture is warm and social, and the cost of living is still relatively low compared to much of Europe. For digital nomads, Greece brings something else to the table: generous tax breaks. If you qualify, you could cut your income tax in half for up to seven years.  Add in solid Internet, affordable accommodation, and plenty of coworking options, and it's easy to see why more remote workers are planting roots here. Greece Digital Nomad Visa - Essential Information InformationDetailsVisa NameGreece Digital Nomad Visa (Remote Worker Visa)Visa DurationInitially 1 year, renewableApplication CostApproximately €75Income RequirementMinimum monthly income of €3,500AccommodationProof of local accommodation is requiredHealth InsuranceMandatory valid international health insuranceProof of Remote WorkProof of employment or self-employment outside GreeceTax Benefits50% income tax reduction for up to 7 yearsProcessing TimeTypically 20-30 daysFamily InclusionImmediate family members are eligibleCitizenship PathwayPossible after 7 years of residencyLanguage RequirementsNone Malta Malta, an English-speaking Mediterranean island nation, seems to have it all: historical beauty, stunning beaches, and a welcoming international community. Cities such as Valletta and Sliema will pull you in with their historical architecture, beautiful harbors, and sunny weather. For remote workers, Malta checks the practical boxes. It offers a nomad visa specifically for non-EU citizens, and the fact that you won't be taxed on foreign income is a major plus.  And with good Wi-Fi, a bunch of coworking spots, and affordable rent, if you avoid the tourist-heavy areas, you've got a simple, low-friction place to work and live. Malta Digital Nomad Visa - Essential Information InformationDetailsVisa NameMalta Nomad Residence PermitVisa DurationInitially 1 year, renewableApplication CostApproximately €300Income RequirementMonthly income of at least €3,500AccommodationProof of secured accommodation is requiredHealth InsuranceMandatory valid international health insuranceProof of Remote WorkProof of remote employment or freelance work outside MaltaTax BenefitsNo taxation on foreign-sourced incomeProcessing TimeTypically 30 daysFamily InclusionImmediate family members are allowedCitizenship PathwayNo direct citizenship pathway via this visaLanguage RequirementsEnglish is widely spoken, and no formal test is required Germany Germany offers high-functioning infrastructure and cultural depth that makes it one of the most reliable places to base yourself as a remote worker. Germany's big cities are easy to live in and even easier to work from.  There's solid infrastructure, a strong economy, and no shortage of things happening, whether you're freelancing, building a business, or just need a steady base with good coffee and fast Wi-Fi. Germany's freelancer visa is one of the more comprehensive programs in Europe. It's not the quickest or simplest to apply for, but the benefits are clear: excellent healthcare, a strong economy, and an international network of professionals. Germany Digital Nomad Visa - Essential Information InformationDetailsVisa NameGerman Freelance Visa ("Freiberufler Visa")Visa DurationInitially up to 3 years, renewableApplication CostApproximately €100Income RequirementProof of sufficient funds (minimum €9,000 in savings recommended)AccommodationProof of secured local accommodation requiredHealth InsuranceMandatory valid health insurance coverageProof of Remote WorkPortfolio, freelance contracts, or business plans requiredTax BenefitsStandard German taxation applies; no special incentivesProcessing TimeTypically 4-8 weeksFamily InclusionImmediate family eligibleCitizenship PathwayPossible after 8 years of legal residencyLanguage RequirementsBasic German recommended (but not always mandatory) Hungary Hungary isn't usually the first place people think of, but maybe it should be. Budapest especially has a way of pulling you in; it's affordable, full of personality, and easy to feel at home in.  You'll find old bathhouses and faded cafés next to startup hubs and coworking spots, and the city stays alive long after the workday ends, with many places to unwind and parties to attend. Hungary's “White Card” digital nomad visa makes it possible to stay legally while working remotely, and it comes with a major benefit: no local taxes on foreign income.  The city's cost of living is low, the Internet is fast, and it's easy to blend into the growing remote work community. It's an especially great choice if you want Europe without the Western European price tag. Hungary Digital Nomad Visa - Essential Information InformationDetailsVisa NameHungary White CardVisa DurationValid for 1 year, renewable once (total 2 years maximum)Application CostApproximately €110Income RequirementMinimum monthly income of €3,000AccommodationProof of local accommodation is requiredHealth InsuranceMandatory international health insuranceProof of Remote WorkEmployment contract or freelance agreements requiredTax BenefitsNo taxation on foreign-sourced incomeProcessing TimeTypically 30 daysFamily InclusionFamily members not includedCitizenship PathwayNo direct citizenship pathwayLanguage RequirementsNone Czech Republic The Czech Republic offers the kind of timeless appeal people dream about, with castles, cobblestone streets, and skyline views filled with spires. Prague, in particular, balances its fairy-tale looks with a modern edge. The city is walkable, lively, and more affordable than many other European capitals. For freelancers and digital nomads, Prague has one of the more established expat communities.  Coworking spaces are easy to find, the Internet is reliable, and there's a social scene for every niche. While the visa process can be a bit paperwork-heavy, once you're in, it's a smooth place to live and work. Czech Republic Digital Nomad Visa - Essential Information InformationDetailsVisa NameCzech Freelance Visa (Živnostenský List)Visa DurationInitially 1 year, renewable up to 2 years at a timeApplication CostApproximately €200Income Requirement1.5 times greater than the average gross salary, ~2500AccommodationProof of local accommodation (lease or rental agreement)Health InsuranceMandatory valid health insuranceProof of Remote WorkProof of freelance business activities (contracts or invoices)Tax BenefitsStandard Czech taxation; no special incentivesProcessing TimeTypically 90-120 daysFamily InclusionImmediate family is eligibleCitizenship PathwayPossible after 5 years of continuous residencyLanguage RequirementsNone required Latvia Latvia has a quiet appeal; it's peaceful, green, and easy to navigate. Riga, the capital, has a laid-back feel with a good mix of modern living and historical charm. The cost of living is reasonable, public transport is excellent, and you're never far from a forest or the sea. For remote workers, Latvia's digital nomad visa is pretty straightforward.  The application process is clear, the Internet is fast, and coworking spots are available throughout the city. If you're looking for a calmer base with good access to the rest of Europe, Latvia is a solid, underrated option. Latvia Digital Nomad Visa - Essential Information InformationDetailsVisa NameLatvia Digital Nomad VisaVisa DurationInitially 1 year, renewable for another yearApplication CostApproximately €120Income RequirementMinimum monthly income of €3,843AccommodationProof of local accommodation is requiredHealth InsuranceMandatory valid international health insuranceProof of Remote WorkEmployment or freelance contract requiredTax BenefitsNo taxation on foreign incomeProcessing TimeTypically 15-30 daysFamily InclusionFamily members eligibleCitizenship PathwayPossible after 5 years of residencyLanguage RequirementsNone Cyprus Cyprus offers you an island lifestyle with modern conveniences. You'll find beach towns with strong character, urban centers like Nicosia and Limassol that stay busy year-round, and an expat-friendly atmosphere where English is widely spoken.  The climate is one of the best in Europe, and the food, shaped by both Mediterranean and Middle Eastern traditions, adds real depth to everyday life. For digital nomads, Cyprus makes a strong case. The visa is built specifically for remote workers, the tax system is favorable for foreign income, and the growing network of coworking spaces makes it easy to stay productive. Cyprus Digital Nomad Visa - Essential Information InformationDetailsVisa NameCyprus Digital Nomad Residence PermitVisa DurationInitially 1 year, renewable up to 3 yearsApplication CostApproximately €70Income RequirementMinimum monthly income of €3,500AccommodationProof of accommodation is requiredHealth InsuranceMandatory valid health insuranceProof of Remote WorkProof of remote employment or business outside CyprusTax BenefitsAttractive tax benefits for income from abroadProcessing TimeTypically 5-7 weeksFamily InclusionImmediate family eligibleCitizenship PathwayPossible after 7 years of residencyLanguage RequirementsNone (English is widely spoken) Why is Portugal the Best Choice for a Digital Nomad Visa in Europe? Portugal consistently ranks as the top choice for obtaining a digital nomad visa in Europe, and for good reason. It combines affordable living, exceptional quality of life, beautiful weather, and stunning coastal and urban landscapes. Lisbon, Porto, and Madeira are known for thriving international communities, extensive coworking spaces, and strong Internet connectivity. Moreover, Portugal's IFICI tax regime makes it uniquely attractive for professionals, significantly reducing your tax burden on both Portugal and foreign-sourced income for up to a decade. This is a new tax regime in Portugal, a little bit different from its ancestor NHR, with a main focus on tax benefits for research and innovation. With a clear pathway from residency to citizenship after five years, Portugal offers stability, long-term planning benefits, and access to visa-free travel across 27 EU countries. Investing in Portugal through programs like the Golden Visa provides a straightforward route toward permanent European residency and citizenship, making it ideal for digital nomads aiming for greater freedom and mobility. How Bitizenship Simplifies Your Residency Process in Portugal Getting your residency in Portugal doesn't have to be complicated, especially when you're working with a team that knows the process inside out. At Bitizenship, we specialize in helping digital nomads and entrepreneurs navigate residency programs in Portugal with clarity and confidence. We'll guide you through your options, handle the legal paperwork with help from our trusted local partners, and make sure you understand how Portugal's tax system works, especially if you're earning income from abroad.  If you're thinking beyond temporary residency, we also help clients invest in Portugal Golden Visa programs, offering a pathway to long-term residency that can lead to citizenship after five years. By doing this, you get the chance to truly enrich your nomadic lifestyle and get access to 27 countries in the Schengen area. With over 110 successful residency applications and years of experience in the Portuguese market, we've helped clients turn complex processes into clear, manageable steps so they can focus on settling in and building the life they want in Portugal. FAQ About Digital Nomad Visa in Europe Which EU country is the easiest to get a digital nomad visa in? Croatia is often considered the easiest digital nomad visa in Europe due to its straightforward requirements and quick processing times. Can I be a digital nomad in Europe? Yes, many European countries offer specialized digital nomad visas designed specifically for remote professionals. Which country is best for digital nomads in Europe? Portugal consistently ranks as the best country, combining lifestyle, affordability, tax benefits, and a welcoming community. Who qualifies for a digital nomad visa? Remote workers, freelancers, or entrepreneurs earning a stable income outside the host country generally qualify. Will there be new options for the digital nomad visa in Europe in 2025? Yes, more EU countries are expected to introduce or improve digital nomad visas by 2025 due to growing demand. What are the common digital nomad visa Europe requirements? Typically, proof of remote work, stable income, health insurance, accommodation, and a clean criminal record are required. Is there a tax-free digital nomad visa in Europe? Croatia and Hungary offer tax-free digital nomad visas on foreign-sourced income, significantly reducing financial burdens.

17 MIN READ

28 Jul 2025

Residency in Portugal for UK Citizens: What You Need to Know
PortugalResidency in Portugal for UK Citizens: What You Need to Know Post-Brexit, many UK citizens displayed their dissatisfaction. After all, for years, Britons were used to traveling, studying, and working freely across the EU. And post-December 2020, their right to do so without visas and permits was taken away. However, if you’re looking to swap the grey skies of the UK for the golden sunshine of Portugal, the latter offers a range of residency options, including the D7 visa and the Golden Visa scheme. In this guide, we’ll break down how exactly UK citizens can seek residency in Portugal, what post-Brexit rules mean for them, and how services like Bitizenship help make the process smoother. Why Portugal is a Top Choice for UK Citizens Before jumping into the nitty-gritties, the legal, the paperwork side of things, let’s talk about a few reasons why Portugal is such a tempting destination for UK citizens: Year-round mild weather: It’s hard to say no to 300 days of sunshine, especially if you’re tired of the same old gloomy skies. While endless grey and drizzle can wear you down, Portugal flips the script with warm summers, mild winters, and plenty of bright, blue-sky days. Lower cost of living: From housing and groceries to nights out, the day-to-day cost of living in Portugal is noticeably lighter. Even in Porto or Lisbon, prices feel gentler than London or Manchester, and in smaller towns, your money stretches even further. High quality of life and healthcare: Portugal scores high on all global quality of life indices. These indices measure things like healthcare efficiency, public safety, and the overall happiness and satisfaction levels of the citizens. There is public healthcare for residents, which is heavily subsidised, and private healthcare, too, at a much cheaper cost than in the UK. Strong expat community: A major issue when moving to another country is simply the feeling of isolation that may gloom over you, especially when you don’t speak the language. However, there is a well-established British expat community living in Portugal. From pubs showing football (Cristiano Ronaldo’s home turf, after all) to doctors who speak English, Portugal feels familiar fast. With a community of fellow Brits, home suddenly doesn’t feel so far away. How Brexit Changed the Rules Brexit changed a massive part of UK nationals’ cultural freedom: the freedom to live, work, and travel anywhere in the EU without restrictions. You can still move, but now there are a few hoops to jump through. Here’s what that means in practice: Stays over 90 days now require a visa or residency permit. Working in the EU requires a separate work authorization. For short visits, a Global Health Insurance Card (GHIC) or a valid European Health Insurance Card (EHIC) works. But if you’re staying long-term, you’ll need to register with the local healthcare system. Social benefits aren’t automatic anymore because you’ll need residency to qualify. What This Means for Visas, Work Rights, and Residency UK citizens now have to plan their time in Portugal more carefully. Short trips of up to 90 days in any 180-day period are still visa-free under Schengen rules. But if you want to stay longer, you’ll need the right visa, like the D7 (for retirees or passive income earners) or the Golden Visa (for investors). This applies whether you’re retiring, studying, or working. Since automatic work rights are gone, any job in Portugal now requires a valid work visa or permit. That means doing your homework, because overstaying or working without authorization can lead to fines or even deportation. The good news? Portugal offers clear, structured routes for both work and residency. One thing that hasn’t changed: UK citizens can still buy property in Portugal with zero restrictions, making it a solid choice for investment and residency applications. Health insurance is required at first, since automatic reciprocal coverage no longer applies, but once you have residency, you can register for Portugal’s public healthcare system. Your Residency Options in Portugal Portugal offers several pathways to residency, each suited to different preferences and financial situations. 1. Portugal Golden Visa The Golden Visa program is designed to attract foreign investors. This increases foreign investment in the Portuguese economy. In exchange for qualifying investments, you’re offered residency rights. While some routes, like residential real estate, have been restricted, the program still has attractive options. Key benefits and requirements include: BenefitsRequirementsYou merely need to spend 7 days (minimum) per year in Portugal, which is perfect for people who want a base in Europe but do not intend on relocating full time.Be a non-EU/EEA/Swiss national.Once you invest in Portugal Golden Visa, you can travel across 27 European countries visa-free, similar to how things were pre-Brexit. This is ideal for frequent travellers and business owners.Make a qualifying investment and maintain it for at least 5 years.Since the UK allows for dual citizenship, you can apply for permanent residency or Portuguese citizenship after five years.Have a clean criminal record.While direct residential real estate investment is no longer a qualifying option since 2023, some commercial real estate investments may still apply under certain conditions. However, previously approved investors can still maintain residency via property routes.Be at least 18 years old.The visa includes spouses, dependent children, and dependent parents under the same application.Obtain a Portuguese NIF (tax number).With real estate options limited, many are now turning to fund-based investments with strong returns and fewer bureaucratic hurdles.Have a valid passport.Proof of legal source of funds.Private health insurance or enrollment in Portuguese healthcare.Submission of relevant legal documents such as birth and marriage certificates for family members. Qualifying investments can include any of the following: €250,000 minimum donation to arts or cultural institutions €350,000 to €500,000 investment in qualifying real estate (depending on location and property age) €500,000 investment in Portuguese investment funds €500,000 investment in scientific research Creation of at least 10 jobs in Portugal (no minimum investment specified) Application Steps Submit initial application with documentation Complete the qualifying investment Attend biometric data appointments in Portugal Renew residency permits every two years with continued investment Costs Involved Application fees and residence permit cards cost around €605 and €6,045 per person initially Renewal fees is about €3,023 per person every two years to maintain residency For professional assistance, translation, document preparation, expect between €5,000 and €10,000 or more l egal and processing fees depending on complexity Document preparation and notary fees can start around €1,000 Travel insurance is often required for visa applications and usually about €400 per person annually Other costs include real estate purchase, health insurance premiums until enrolled in public healthcare, and moving expenses NOTE: These costs are approximate and can vary. Always confirm current fees with Portuguese authorities or your advisor. 2. D7 Visa The D7 visa, sometimes also referred to as the Passive Income or Retirement Visa, is designed for people who can support themselves financially. This includes remote workers, retirees, passive income earners, people living off investments or rental income, and the lot. Essentially, it is for those citizens who do not depend on work in Portugal directly, enabling them to get full-time residence with access to healthcare and social systems. Key benefits and requirements include: BenefitsRequirementsLegal residency in portugal for UK citizens with the right to live indefinitely (after renewals)Requires proof of sufficient passive income or pension (minimum approximately €9,840 annually for a single applicant as of 2025)Ability to bring family membersMust have health insurance before residency approvalAccess to the public healthcare system once residency is grantedProof of accommodation in PortugalClean criminal record and valid passport Remote workers and digital nomads highly favor this visa because it doesn’t require a job offer from a local employer. 3. Other Routes for Residency in Portugal for UK Citizens If you don’t qualify for the Golden Visa or D7, all hope isn’t lost. You’ve still got the following options: Work Visas: If you receive a job offer from a Portuguese company, your employer can sponsor your visa. This process is common in the tech, tourism, and healthcare industries. Study Visas: Portugal’s universities are increasingly international. Students from the UK can apply for a residence visa valid for the duration of their studies, often renewable annually. Family Reunification: If you have a close family member who’s a legal resident or citizen of Portugal, you can apply to join them. This applies to spouses, dependent children, and sometimes parents. Life in Portugal as a UK Expat With plenty of UK nationals living in Portugal, a fair idea about what life is like in Portugal as a UK expat can be conceived. Let’s talk about the essentials: 1. Housing and Cost of Living Lisbon and Porto are popular but pricey, similar to London. Thankfully, whether you intend on renting or buying, Portugal has plenty of housing options. Expats report they found more value in Alentejo, the Silver Coast, or interior regions. From coastal villas to city apartments, there are plenty of options out there. A modest lifestyle in Portugal can cost around €1,200/month for a single person or €2,000/month for a couple. Daily expenses like groceries, eating out, transport, utilities, and entertainment tend to cost less, making day-to-day living comfortable even on a moderate budget. 2. Healthcare Access Once you become a resident, you can register for the Portuguese public healthcare system (SNS), which covers most treatments for a low fee. Private insurance is also widely available for around €50/month. Doctors tend to speak English in both the public and private sector, and the healthcare in Portugal is ranked well in Europe, with private care often available at much lower costs than in the UK. 3. Education Options Portugal has plenty of options when it comes to schooling, so bringing your kids along wouldn’t result in setbacks for their or your education. Public schools come with free access. There are numerous excellent international schools, especially in Lisbon, Cascais, Porto, and the Algarve. Curricula offered include British, American, and International Baccalaureate (IB), as well as universities offering degrees in English, a major attraction for international students. 4. Integration Tips Getting comfortable in any country can seem difficult at first, but give it some time. The best way to understand the people and the culture is to understand the language, so we recommend learning Portuguese. Even basic phrases go a long way toward making you feel connected with the locals. Start with basics to greet and interact politely, as it’s respectful and helpful for citizenship. From there, you can start building social connections. Many expat clubs exist, and one is always welcome to join local classes or community events. Embrace the local culture, food, festivals, and traditions to feel at home. How Bitizenship Helps UK Citizens Get Portugal Residency Getting a visa, making the right investments, and navigating a new country’s legal system isn’t exactly simple. It’s even trickier if your wealth isn’t sitting in a traditional bank account. Many people today hold most of their assets in Bitcoin or other cryptocurrencies, and that’s where Bitizenship comes in. We help Bitcoin-first investors and crypto holders secure European residency (and even citizenship), with a strong focus on the Portugal Golden Visa. With 8 years of on-the-ground experience in Portugal and 110 Golden Visas managed to date, we guide clients every step of the way, including: Legal support Tax representation Bank account setup Concierge services Plus, through our partnership with the Unbound Fund, we offer a direct route to Golden Visa eligibility via private equity investment that is compliant, secure, and crypto-friendly. This makes it perfect for those who’ve built wealth in crypto and want EU freedom without converting everything to fiat first. Get in touch to start the process right away. Closing Thoughts Portugal is still very much within reach for UK citizens. The Golden Visa remains one of the most reliable routes, but it’s not the only one. You can also apply through the D7, work, study, or family reunification. With its warm climate, friendly culture, and affordable lifestyle, Portugal is an attractive choice no matter your path. The process can be complex, though, so either do your homework or let the experts at Bitizenship guide you. Portugal is ready when you are. FAQs Can a UK citizen get residency in Portugal? Yes, absolutely. Residency in Portugal for UK citizens can be achieved through a number of ways. Options include applying for the appropriate visa such as the Golden Visa, D7 visa, work visa, study visa, or via family reunification. How much money do I need to get residency in Portugal? In order to get residency in Portugal, you need to apply for the appropriate visa. Different options have different costs. The Golden Visa requires investments starting at €250,000, while the D7 visa requires proof of regular income, typically around €9,840 annually as of 2025, plus funds for living expenses. What is the easiest way to get residency in Portugal? The easiest route is rather subjective here. If you’re a remote worker or have passive income, D7 is the simplest method. The Golden Visa, on the other hand, is best for those who prefer an investment-based route with relatively low stay requirements. Can I retire to Portugal as a UK citizen? Yes! Portugal is one of the top retirement spots for Brits, with great healthcare, weather, and affordability. The D7 visa is specifically geared for retirees and passive income holders, allowing you and your family to live legally in Portugal.

12 MIN READ

20 Aug 2025

Top Portugal Golden Visa Investment Funds to Consider in 2025
Golden visaTop Portugal Golden Visa Investment Funds to Consider in 2025 In 2025, Portugal’s Golden Visa investment funds are one of the most viable routes to EU residency for international investors.  With real estate removed from eligibility, investors are pivoting toward regulated private equity and venture capital funds that meet Portugal’s legal requirements for the Golden Visa, and often offer competitive returns. These Golden Visa investment funds in Portugal give you exposure to sectors like tech, renewable energy, hospitality, and infrastructure, all while maintaining a passive investment profile. There’s no need to manage property, chase tenants, or worry about shifting real estate regulations.  However, these programs differ a lot. Fees, risk levels, sector focus, and even exit terms vary wildly.  Some funds are built with short-term capital preservation in mind. Others are more aggressive, aiming for high-growth over 7-10 years. And while all qualifying funds require a minimum investment of €500,000, what you get for that sum can differ dramatically. Why Consider Portugal’s Golden Visa Investment Funds? After the Portuguese government closed the real estate investment route in 2023, regulated funds became the most popular path for investors who want residency. So, what does this model bring? A Simpler, Smarter Investment Route First, Golden Visa investment funds in Portugal are professionally managed and regulated by the Portuguese Securities Market Commission (CMVM). That means they operate under strict transparency, reporting, and compliance guidelines. That means that you’re investing in a legally structured fund, usually a private equity, venture capital, or growth-focused vehicle, that pools capital and allocates it across a portfolio of Portuguese businesses, sectors, or infrastructure projects. These can include: Green energy developments Healthcare innovations Early-stage tech companies Hotels and tourism redevelopment Logistics and industrial parks How it Could Work For the sake of this example, imagine an investor who originally planned to purchase an apartment in Lisbon.  When the Golden Visa real estate path was cut off, they redirected the €500,000 toward a fund focused on renewable energy infrastructure.  That fund is expected to deliver annualized returns of around 6-8% over a 7-year period, with full capital return at maturity.  So, instead of buying into a saturated property market, they joined a green growth initiative backed by stable, recurring energy contracts. Less Hassle, Lower Overhead Unlike owning property, there are no maintenance costs, no property taxes, no ongoing paperwork related to tenants or Airbnb restrictions. Once you invest, your obligations are minimal beyond the fund’s reporting cycle and visa renewals. For investors balancing global business portfolios or moving across borders, this is a major advantage. More Flexibility, Especially for Non-Residents Portugal’s Golden Visa investment funds are also well-suited for non-EU investors who don't plan to live in Portugal full-time. The minimum stay requirement remains just seven days per year, far less than residency-by-rental programs in other European countries. And because the funds are professionally administered, investors can manage everything remotely with the help of legal representatives. How Much Do You Need to Invest in Portugal to Get a Golden Visa? The standard minimum investment amount for Portugal’s Golden Visa investment funds is €500,000. This requirement hasn’t changed with the 2023 Golden Visa reform, and it applies specifically to qualified investment funds regulated under Portuguese law.  But there are fees involved, so understanding the total cost of entry is essential before making a move. The Core Requirement: €500,000 in a Regulated Fund To qualify, your €500,000 must be invested in a fund that: Is registered and supervised by the CMVM (Portuguese Securities Market Commission) Has a minimum maturity of 5 years Invests at least 60% of its capital in companies based in Portugal Does not distribute capital during the first five years These are non-negotiable requirements. Investing in a fund that doesn’t meet all four will disqualify your application. Additional Costs to Expect In reality, Portugal's Golden Visa investment fund route involves more than just the capital injection.  Here’s a rough breakdown of what a typical investor might spend: ExpenseEstimated Cost (EUR)Fund Investment€500,000Fund Subscription Fee (1.5%-3%)Up to €25,000Fund Annual Management Fees (0.25-2%)Up to €10,000/yearLegal Fees (for application & due diligence)€5,000-€8,000Government Application Fees€5,325 per applicantRenewal Costs (every 2 years)€3022 per applicant So, while the legal minimum investment is €500,000, the full cost of obtaining your Golden Visa through funds can exceed €525,000-€550,000 when including legal and administrative fees, and higher if you’re applying with family. A Look at Fund Fee Structures Every fund is different. Some charge higher entry or exit fees but offer better returns. Others have flat management costs but offer less aggressive growth strategies. One fund might charge a 2% entry fee with zero exit charges, while another might take 5% upfront but waive annual management costs altogether. What Are Portugal’s Golden Visa Investment Funds Actually Investing In? Every Golden Visa investment fund in Portugal is legally required to disclose its investment thesis, structure, and portfolio focus, and while all must channel at least 60% of capital into Portuguese-based businesses, the sectors vary widely. Some funds back renewable energy projects. Others focus on early-stage startups, healthcare, hospitality, agriculture, or logistics. This diversity allows you to align your residency application with your financial goals, whether you’re looking for conservative capital preservation or long-term growth. Fund Types You’ll Commonly See Most Golden Visa investment funds in Portugal fall into one of these categories: Private equity funds: These invest in established, growth-stage Portuguese companies. They often prioritize business expansions, buyouts, and strategic partnerships. Risk tends to be moderate, with a focus on steady returns. Venture capital funds: These are higher-risk, higher-reward funds that support early-stage startups in tech, fintech, biotech, or renewable energy. Returns can be impressive, but volatility is higher. Tourism & hospitality funds: With Portugal’s ongoing boom in tourism, some funds focus on acquiring, renovating, or launching hospitality assets, hotels, boutique rentals, resorts, especially in underserved interior regions. Green & infrastructure funds: Some of the more conservative options channel capital into solar farms, sustainable agriculture, or regional infrastructure projects with government-backed contracts and recurring revenue streams. Liquidity and Lock-Up Periods Most funds have a minimum lock-in period of 5-8 years, aligning with the Golden Visa residency requirement. You won’t be able to exit early without penalties. However, some funds offer secondary market solutions or structured exits for special cases like health issues or relocation. All of this to say, Portugal Golden Visa investment funds represent real capital investments in real parts of the Portuguese economy. And they’re designed with long-term sustainability, transparency, and investor alignment in mind. Portugal Golden Visa Investment Funds List for 2025 High-net-worth individuals and expat investors seeking Portugal’s Golden Visa in 2025 are increasingly turning to Portugal Golden Visa investment funds as the preferred route.  After the 2023 reforms, the spotlight is on Golden Visa investment funds in Portugal that span diverse sectors, from tech startups and renewable energy to hospitality and cryptocurrency. Below is Portugal’s Golden Visa investment funds list of the top 20 funds open to new investors in 2025, complete with a comparison of their focus, terms, and fees: Fund NameLifecycle (yrs)Target IRRMgmt FeeSubscription FeeFund Close/StatusMin InvestmentFund ManagerFund AdvisorFund AuditorAsset ClassesUnbound Fund818%1.5%€10,0002026-5€100,000Green One CapitalUnbound CapitalBDOWeb3; BitcoinAndo Europe79%1.8%1.2%2026-1€200,000STAGOptylon KreaBaker TillyHospitalityPort. Golden Opportunities Open-ended10%1.8%1.0%Continuous€1,000OptimizeMazarsEquities; BondsPortugal Golden Income Fund Open-ended10%1.5%0.0%Continuous€100,0003 Comma CapitalPKFBonds; Equities; Alternative AssetsActiveCap Opportunities1013%2.00%2.0%2024-1€250,000ActiveCap CPORAMixedAretha Portugal Vision1010%0.67%0.0%2024-5€50,000Cedrus CapitalAretha CapitalKPMGMixedBlue Water Point Capital820%2.0%3.5%2027-1€150,000Point CapitalBlue Water CapitalBDOMixedC2 Legacy Buyout815%2.0%3.0%2026-2€150,000C2 CapitalErnst & YoungMixedContainer Fund1015%2.0%2.0%2033-1€50,000Celtis VentureCeltis VentureBDOTechnologyEmerald Capital Fund77%0.95%0.5%2026-7€250,000STAGWELink GroupBDORenewable Energy Disclaimer: The information provided in this table is for informational purposes only and is based on publicly available data as of 2025. While we aim to keep the content accurate, investment fund terms, fees, availability, and performance targets may change without notice. This content does not constitute financial, legal, or immigration advice. Always consult with a licensed financial advisor, immigration lawyer, or authorized fund representative before making any investment decision related to the Portugal Golden Visa investment funds program. Strategic Considerations for Golden Visa Applicants Performing due diligence is essential. All the listed funds are fully compliant with CMVM regulations and Golden Visa rules (minimum 60% of investments in Portugal, etc.), but their strategies and risk profiles differ.  Prospective investors should evaluate fund track records, management expertise, fee structures, and alignment with personal goals. For instance, if your priority is preserving capital and obtaining residency with minimal fuss, a diversified income fund or an asset-backed fund (like agriculture or infrastructure) might be the best option.  Conversely, if you view the Golden Visa as a chance to invest in venture capital, you can allocate your €500K into a high-growth fund, just be prepared for a longer path to liquidity and the possibility of higher volatility. Some investors opt to spread €500k across two or more funds to diversify (e.g. part in a yield-focused fund and part in a venture fund), which is allowed and can balance risk/reward. Since the Golden Visa reforms, Portugal’s fund managers have really stepped up to offer products that are both Golden Visa investment funds and solid investments in their own right.  There’s a rising popularity of the fund route, and it’s easy to see why: these funds fulfill the residency requirement and give investors a stake in Portugal’s economic growth areas, from green energy to tech innovation.  When you choose a fund that matches your strategy, you can achieve the twin goals of securing Portuguese residency and pursuing attractive financial returns.  How to Choose the Right Portugal Golden Visa Investment Fund for You Now that you’ve seen the top Portugal Golden Visa investment funds list, the next step is identifying which one best suits your investment goals, risk profile, and timeline.  While every fund on the list is compliant and open to non-EU investors, the reality is that some will be a better fit for you than others, depending on how you think about risk, return, and personal alignment. Investment Priorities Start by asking what matters most to you: Are you looking for capital preservation over growth? Are you comfortable locking in for 7-10 years, or do you want early liquidity? Would you rather see annual income or aim for a larger return at exit? Do you have a sector preference, like tech, sustainability, hospitality, or crypto? If your goal is low volatility and a smooth ride, a fund like Portugal Golden Opportunities may be a better match. But if you’re chasing higher returns, then the Unbound Fund might make more sense, as long as you’re aware of the risk curve associated with Crypto. Consider the Fund Structure The fund’s internal mechanics matter. Some important variables: Closed-end vs. open-ended: Closed-end funds have fixed terms and payout at the end (often 7-10 years). Open-ended funds offer more flexibility, including the option to redeem early, but often come with slightly lower projected returns. Management track record: Look into who is running the fund. Does the team have previous exits? How long have they been managing capital in Portugal?  Fee Structure: Fees can eat into returns quickly. While 0.25-2% annual management fees are standard, watch for high performance fees, subscription costs, or hidden carry.  Match Risk to Age and Exit Plan Your age and your exit timeline should shape your choice. A 35-year-old entrepreneur might feel comfortable riding out the risk in a crypto-focused Unbound fund for a decade. A 62-year-old planning to retire in Portugal by the end of the decade might prefer a conservative, income-generating fund with lower upside and lower risk. Ask the Right Questions Before committing, do your due diligence. These are real investments with real capital at stake. Some smart questions to ask: What is the fund’s current portfolio exposure? Is there an independent custodian holding the assets? How are annual reports and valuations handled? Is there a plan for secondary market exits if needed? Who are the other LPs (limited partners)? If a fund manager is vague about returns, unwilling to share audited financials, or deflects on risk disclosures, that’s a red flag. A good fund will have nothing to hide. What About Citizenship? Many investors who are looking into Portugal Golden Visa investment funds ultimately have one goal in mind: a second passport. But how realistic is that, and what’s the actual process? How to Get from Residency to Citizenship Portugal doesn’t offer citizenship in exchange for investment directly, but it does provide a residency pathway that can eventually lead to citizenship. Here’s how it typically works: Invest €500,000 in a qualifying fund. Apply for the Golden Visa with the help of legal representation (expect 6-12 months for approval). Maintain the investment and renew the visa in years 2 and 4. At year 5, apply for permanent residency or citizenship. So, you can apply for citizenship after five years of holding a valid Golden Visa. That’s significantly shorter than the 10+ years required in many other EU countries. Do You Need to Live in Portugal? No. One of the key benefits of the Golden Visa in Portugal is that you don’t need to relocate or spend much time in the country. The minimum stay requirement is just 7 days per year. However, some legal experts recommend spending more time in Portugal if your goal is citizenship, not just residency. That’s because Portugal expects “genuine ties” to the country when assessing naturalization applications. Other Citizenship Requirements Along with maintaining your investment for five years, you’ll need to: Pass a basic A2-level Portuguese language exam, which tests simple grammar and conversation skills. Provide a clean criminal record from both Portugal and your home country. Show proof of integration - this can include your time spent in Portugal, tax records, or even community involvement. Does Every Fund Investor Qualify? In theory, yes, if you follow the timeline, keep your investment in place for five years, and meet the basic requirements. But keep in mind: citizenship is not automatic. The Golden Visa gives you the right to apply, not a guarantee of approval. Still, the system works. Thousands of investors have successfully transitioned from Golden Visa holders to Portuguese citizens since the program’s launch. For many, Portugal Golden Visa investment funds offer the simplest and cleanest path toward that outcome. What to Watch Out For Before You Invest Investing in Portugal’s Golden Visa investment funds isn’t just about picking the one with the highest projected return. These are long-term commitments, legally binding, financially significant, and often illiquid for several years. Before you transfer €500,000, it’s worth slowing down and checking all the details. Understand the Lock-Up Terms Most Golden Visa investment funds in Portugal are closed-end, meaning your capital is locked for the entire fund term, often 7 to 10 years. Even if the fund performs well, you usually won’t see your money until it matures. Fees Can Cut Into Returns Most funds charge a management fee of 0.25%-2% per year, which is reasonable. But some add: Subscription or setup fees Success or “carry” fees on profits Custodian, audit, or legal pass-through charges Check whether fees are based on committed capital (less favorable) or invested capital (more standard). Also, be wary of funds that downplay or hide fees in their marketing materials. If a fund is projecting 8% IRR, but layering on 3%+ in annual costs, your net return might be closer to 4-5%. Vet the Fund Manager Anyone can spin up a prospectus. What matters is execution. Ask: What is the manager’s track record? Have they exited any funds? Are they backed by a licensed custodian and an independent auditor? Are they regulated by the CMVM? If a fund can’t answer these questions clearly, move on. Check the Investment Thesis Some funds are clear and transparent. Others use vague language like “we invest in diversified opportunities across growth sectors” without ever naming those sectors. You want to know: What is the fund actually investing in? Is there diversification across multiple companies or sectors? What stage are the investments in - seed, Series A, mature? If you don’t understand where your money is going, you shouldn’t invest. Watch Out for Overpromising Some funds advertise 15-20% returns with near-zero risk. That’s not how finance works. High-return funds come with high volatility, long timelines, or both. Be wary of marketing that tries to downplay this. Red flag phrases include: “Guaranteed return” (no fund can legally guarantee this) “Fully liquid any time” (Golden Visa law still requires a 5-year hold) “No downside” (there’s always risk) Legal and Tax Due Diligence Work with a qualified Portuguese law firm that understands the Golden Visa and funds. They’ll help you: Review the fund documents Ensure compliance with immigration law Navigate tax residency questions Portugal’s tax regime can be favorable, especially under the D7 or D8 visa, but that depends on your personal situation. Investment gains from Portuguese funds may be taxed differently based on your residency status. How to Start the Process Once you’ve chosen a Portugal Golden Visa investment fund, getting started is more straightforward than most people expect, especially with the right support. Get Legal Support Work with a Portuguese lawyer experienced in Golden Visa cases and investment fund compliance. They’ll: Help you select a qualifying fund Obtain your NIF (Portuguese tax number) Open a local bank account Handle the full visa application process Subscribe to the Fund After passing the fund’s KYC checks, you’ll transfer the investment amount (usually €500,000) from your Portuguese account and sign the fund’s subscription agreement. Make sure the fund is CMVM-regulated and meets all Golden Visa criteria. Submit Your Application Your lawyer will prepare your file, including: Proof of investment Criminal background checks Health insurance Identification documents Once submitted, pre-approval times in 2025 are around 6-12 months.  Biometrics and Residency Card After pre-approval, you’ll attend a biometric appointment in Portugal. Then you’ll receive your initial residence card, valid for two years and renewable thereafter. How Bitizenship Can Help You With Golden Visa Investment Funds in Portugal At Bitizenship, we’re dedicated to helping investors secure Portugal citizenship through compliant pathways, with a special focus on the fund route.  As official partners of the Unbound Fund, we guide clients through every step of obtaining a Golden Visa by investing in Portugal’s regulated crypto ecosystem. We help you with: Initial investment in the Unbound Fund Navigating the full Golden Visa application process from abroad Opening a Portuguese bank account and getting your NIF Stay compliant through the full five-year journey to citizenship If your goal is mobility, residency, and eventually Portugal citizenship, we’re here to help make that happen, with transparent support, verified partnerships, and a commitment to doing things right. Final Thoughts: Are Golden Visa Investment Funds in Portugal a Good Fit For You? Portugal Golden Visa investment funds aren’t just a loophole or a backdoor; they’re now the main avenue to Portuguese residency for global investors. After the 2023 reform, they’ve become more visible, more transparent, and more professionally managed. What makes the Golden Visa investment funds in Portugal especially appealing is access and autonomy. You can live abroad, invest from afar, and still gain a foothold in the EU. You’re allocating capital into a regulated, tax-transparent vehicle, and in return, you’re building a path to a Portuguese passport. There are still risks. Funds can underperform. Timelines can shift. Political winds may change. But unlike in many other countries, Portugal has a track record of honoring commitments and maintaining residency pathways with integrity. And if part of your long-term thinking includes your later years, it’s worth considering whether Portugal is a good place to retire. With its mild climate, excellent healthcare, and favorable tax options, it continues to attract investors who are planning a different future. Portugal’s open, and is still one of the most accessible countries in Europe to build a future. It doesn’t matter if you select a high-yield tech fund or a stable agricultural vehicle; the opportunity is real. Now it’s just a matter of finding the right fit. FAQs How much do you need to invest in Portugal to get a Golden Visa? You can qualify with a €250,000 donation to an approved arts or cultural-heritage project, but most applicants choose the fund route, which requires €500,000 in a regulated venture-capital or private-equity fund because that has ROI. Is Portugal ending the Golden Visa program? No. the 2023 “Mais Habitação” law restructured the scheme by removing real estate options, but the Golden Visa itself remains open under the new rules. What are investment funds in Portugal? They are CMVM-regulated venture-capital or private-equity funds that channel money into Portuguese businesses; to count for a Golden Visa they must steer clear of real-estate holdings, and you must subscribe at least €500,000 and keep the units at least for five years. How much to invest in Portugal to get citizenship? Portugal doesn’t grant citizenship by a one-off payment; instead, you keep your Golden Visa investment (from €250,000 for donations or €500,000 for funds) for five years, spend an average seven days a year in the country, pass an A2 Portuguese test, and then you can apply for citizenship with no extra capital outlay.

18 MIN READ

06 Aug 2025

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