james@migrantmarketing.com

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26 Sep 2024

james@migrantmarketing.com

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Best Country to Get Dual Citizenship: Top Picks for Global Freedom
CitizenshipBest Country to Get Dual Citizenship: Top Picks for Global Freedom Dual citizenship is a long-term strategy that gives you access to more stable economies, better healthcare systems, political safety nets, and the flexibility to live, work, or retire in different parts of the world. Some dual citizenships can be acquired quickly through ancestry or marriage. Some countries require long-term residence, large investments, or even military service. And some don’t allow dual citizenship at all, forcing you to give up your original one in exchange. Benefits of Dual Citizenship If you want a second passport, you need to look beyond the number of countries it gets you for visa-free travel. The best country to get dual citizenship will offer real, long-term advantages, especially for professionals, investors, and global families who need flexibility and protection. Here’s what a strategically chosen dual citizenship can get you: Expanded Travel Freedom The obvious benefit is visa-free or visa-on-arrival access to more countries. But the real value lies in strategy. An EU passport allows free movement, residency, and work rights in 27 countries. A combination of a U.S. passport with a Caribbean one grants access to both the Western world and Commonwealth countries. Tax Optimization and Financial Security Many dual citizenship countries offer favorable tax regimes, access to offshore banking, and the ability to legally diversify assets. Countries like Greece offer tax incentives for foreign income. Caribbean nations allow banking privacy and no worldwide income taxation. Plan B and Political Safety In an unstable world, having an exit route matters. In cases of political unrest, legal uncertainty, or discrimination, a second passport gives you options. Better Opportunities for Family The best country for dual citizenship usually lets you pass on citizenship to children, sometimes even to grandchildren. This ensures: Access to public education Local healthcare Employment without needing a work visa Freedom to study or retire abroad Why Some Countries Don’t Allow Dual Citizenship While many nations don't have a problem with their citizens holding two passports, others restrict or ban dual citizenship entirely. The reasons behind the decision are different, but are often tied to politics, national identity, and legal practicality. One of the main concerns is divided loyalty. Governments that prohibit dual nationality often argue that citizens should have an undivided commitment to one state. When there is a conflict or diplomatic tension, dual citizens might face conflicting obligations, such as military service in two countries or being subject to competing laws. National security is another factor. Some countries believe that if their citizens hold foreign nationality could create vulnerabilities, especially if those citizens have political or business ties abroad. For example, China and India ban dual citizenship outright, citing concerns about loyalty and control. In some cases, restrictions are tied to national identity and unity. Countries that value a strong cultural or ethnic cohesion may view dual citizenship as a dilution of their national character. Japan, for example, has strict rules requiring citizens to choose one nationality by a certain age. Finally, immigration policy also plays a role. Some governments fear that easy dual nationality could lead to “citizenship shopping,” where people obtain passports purely for convenience, without contributing to the nation’s society or economy. Why You Shouldn’t Give Up Your Original Citizenship Unless your current country forces you to choose, there’s usually no good reason to give up your original passport. Dual citizenship allows you to enjoy the rights and protections of both countries, and renouncing one can permanently cut you off from things you may later need, like the right to return, access to healthcare or social benefits, or even the ability to inherit property. Some assume that giving up their first nationality will simplify taxes or legal obligations, but that’s rarely the case. There's also a risk factor. If your second country ever changes its laws or revokes your citizenship, you could be left stateless. Your original passport is a legal fallback you may one day need. Unless there’s a compelling reason, it's almost always smarter to keep both. Top 6 Countries to Get Dual Citizenship in 2025 What matters most to you? The answer to that question will determine which dual citizenship to persue.  We've handpicked six countries that strike the right balance between long-term advantages and legal clarity. Each allows you to keep your original passport, making them ideal picks for dual citizenship. But the final decision is up to you. Portugal Portugal may not the fastest or cheapest option, but it's the most stable and well-respected. The country offers a clear and attainable path to dual citizenship after five years of legal residence, with minimal physical presence required. You’re not expected to live there full-time, and you don’t need to give up your original citizenship. The system is designed to welcome foreigners, and if you want a base in Europe or more rights for your family, Portugal gives you the tools to make it happen. Key Facts RequirementDetailsDual citizenshipAllowedNaturalization timeline5 yearsResidency requirement7 days per year (for Golden Visa holders)Language requirementA2 Portuguese (basic conversational level)EU accessFull rights to live, work, and study in 27 EU countriesFamily reunificationEligible for spouse, children, and parents Why Choose Portugal for Dual Citizenship Gaining Portuguese citizenship gives you far more than just a travel document. You become a full EU citizen, with the right to live and work anywhere in Europe. You’re granted access to healthcare, education, and legal protections that come with EU membership.  You can also pass your citizenship on to your children, giving them long-term mobility and security. Portugal also doesn’t require you to renounce your existing nationality, doesn’t ask for military service, and won’t burden you with integration demands. Most importantly, there is a transparent legal framework. While other programs have faced political pressure or been suspended entirely, Portugal’s pathway has remained steady and credible. How You Can Qualify Naturalization Live legally in Portugal for 5 years under any visa, pass a language test, and apply. Golden Visa Invest €500,000 in a qualifying fund, spend just 7 days per year in Portugal, and apply for citizenship after 5 years. Marriage  If you have been married to a Portuguese citizen for at least 3 years, you can apply for citizenship, even if you don’t live in Portugal. Ireland Ireland offers a naturalization path through legal residence, but also a generous and simple ancestry-based citizenship program. You don’t need to move, take a language test, or give up your original citizenship. If you have a parent or grandparent born in Ireland, you may already qualify for an EU passport. It’s also one of the simplest ways to gain dual nationality with full European rights. Unlike many other European countries, Ireland does not place a time limit on reclaiming citizenship through descent. It also welcomes dual nationals without restriction and provides a clear legal process through the Foreign Births Register.  So if you want easier travel, or just to reconnect to your Irish heritage, Ireland is one of the best countries to get dual citizenship. Key Facts RequirementDetailsDual citizenshipAllowedNaturalization timeline5 years (3 years for spouses)Residency requirementNo requirement for the descent routeLanguage requirementNo language requirementEU accessFull rights to live, work, and study in 27 EU countriesFamily reunificationLong-stay visa Why Choose Ireland for Dual Citizenship The Irish passport ranks among the strongest in the world for visa-free travel, covering over 190 countries. If you're eligible through descent, you don't need to relocate or give up your current passport. Yet the moment you're registered, you gain full EU rights, as well as access to healthcare, education, and job markets across Europe.  If you don’t qualify through ancestry, Ireland still offers a clear route through naturalization. Foreign nationals who legally reside in Ireland for five years, or three years if married to an Irish citizen, can apply for citizenship through residency. The process is well-defined and supported by legal precedent, with no language test or cultural integration exam. Unlike more complex programs in other countries, the Irish government provides a transparent, legally codified process for both descent and residency-based applications. How You Can Qualify Citizenship by descent You qualify automatically if your parent was born in Ireland. If your grandparent was born in Ireland, you can register in the Foreign Births Register to claim citizenship. Naturalization If you live legally in Ireland for 5 years (or 3 if you're married to an Irish citizen), you can apply for citizenship through residency. Marriage Spouses of Irish citizens can apply after 3 years of marriage and residence in Ireland. If residing abroad, longer timelines apply. Dominica If you want a fast path to a second passport, Dominica is one of the best countries to get dual citizenship. Its citizenship by investment (CBI) program has been active since 1993, which makes it one of the most established and trusted in the Caribbean.  The entire process can be done remotely. It doesn’t require an interview or language test, and you don’t need to live in Dominica at any point. It’s efficient, low-maintenance, and fully legal under Dominican law. Dominica allows dual citizenship without restriction. That means you can obtain a second passport and all the benefits that come with it, without giving up your original nationality. With processing times as short as three months, it’s one of the fastest and most practical solutions for global mobility and long-term contingency planning. Key Facts RequirementDetailsDual citizenshipAllowedProcessing time3 to 6 monthsResidency requirementNoneLanguage requirementNoneEU accessVisa-free 90-day stay Why Choose Dominica for Dual Citizenship Dominica’s passport provides visa-free or visa-on-arrival access to over 145 countries, including the Schengen Zone, Singapore, and Hong Kong.  You’re not required to reside in the country, file taxes on foreign income, or learn a new language. For high-net-worth individuals and entrepreneurs, this provides a clean, low-maintenance solution that just happens to be a perfect place for a vacation, too. It’s important to note that the country's visa-free access to the UK was revoked in 2023 due to concerns over the CBI program’s vetting standards, and the EU has introduced mechanisms to suspend visa waivers if similar issues arise. While Dominica still has Schengen access and is working to restore UK privileges, applicants should be aware of the growing regulatory pressure from Europe. One application can also cover a spouse, dependent children, and even parents, so your whole family is covered. How You Can Qualify Citizenship by investment (Donation) Contribute $200,000 to the Economic Diversification Fund (single applicant), or $250,000+ for a family of four. Additional government fees apply. Citizenship by investment (Real estate) Invest $200,000 in approved real estate projects. Property must be held for a minimum of five years. Citizenship by marriage Spouses of Dominican citizens may apply after 3 years of marriage. Applicants are subject to background checks and verification of the relationship. Citizenship by descent Children of Dominican citizens, even if born abroad, are eligible to apply through descent with proper documentation. Italy Italy is one of the most beautiful dual-citizenship countries in Europe. The easiest path in Italy is jus sanguinis, the right to claim nationality through bloodline.  In 2025, Italy introduced reforms that clarified who qualifies by descent. You now need a parent or grandparent who was either born in Italy or lived there for at least two years before your birth or adoption. Still, if you have an Italian-born parent or grandparent, you may be eligible for citizenship without needing to live in Italy, take a language test, or renounce your original nationality. And if you plan to live in Italy, citizenship by residency is available, though the timeline is longer. Even with the reforms, dual citizenship in Italy can still give you one of the strongest long-term positions within Europe. Key Facts RequirementDetailsDual citizenshipAllowedNaturalization timeline10 years for non-EU applicants, 4 years for EU citizensResidency requirementAll throughout residencyLanguage requirementNone for descent, but required for residency-based routeEU accessFull EU and Schengen access Why Choose Italy for Dual Citizenship Italian citizenship provides full EU rights: the ability to live, work, and study anywhere in Europe, access to public healthcare and education, and visa-free travel to over 190 countries.  Italy also imposes no restrictions on dual nationality. This means you can hold on to your original passport while enjoying all the legal and financial advantages of being an EU citizen. Citizenship is also inheritable. If you’re an Italian citizen at the time your child is born, they automatically gain the same status, even if they’re born outside Italy. And although the country has introduced clearer boundaries for descent-based claims, it still maintains a transparent and legally stable path to recognition, with many consulates abroad accepting well-documented applications. How You Can Qualify Citizenship by descent Available if you have a parent or grandparent who was born in Italy, or who lived in Italy for two consecutive years before your birth. Applications are processed through consulates or directly in Italy. Naturalization Live in Italy legally for 10 years (non-EU citizens) or 4 years (EU citizens). Applicants with Italian ancestry may qualify in 3 years. Language and integration requirements apply. Marriage If married to an Italian citizen, you can apply after 2 years of legal residence in Italy or 3 years of marriage if living abroad. Timeframes are halved if you have children together. Argentina If you want speed and simplicity, Argentina offers the fastest naturalization timeline in the world, just two years of legal residency. There are no language exams, no integration tests, and no requirement to renounce your original citizenship. Unlike many countries that treat naturalization as a privilege, Argentina treats it as a constitutional right. It’s one of the few countries where acquiring citizenship is straightforward, legally protected, and not subject to unpredictable policy shifts. The country’s open approach to dual nationality, low cost of living, and access to regional mobility make it one of the most practical choices for a second passport. Key Facts RequirementDetailsDual citizenshipAllowedNaturalization timeline2 yearsResidency requirementAll throughout residencyLanguage requirementNoneEU accessVisa-free 90-day stay Why Choose Argentina for Dual Citizenship Argentina’s passport grants access to over 170 countries, including the EU, UK, and much of South America. But beyond mobility, Argentine citizenship provides advantages through Mercosur, allowing citizens to live and work freely in neighboring countries like Brazil, Uruguay, and Paraguay. What sets Argentina apart is its legal approach: naturalization is handled by the courts, not the executive branch, which means fewer delays and clearer standards. The courts routinely approve citizenship applications after two years, as long as you’ve established some form of residence and can show basic integration (like a local ID or employment). Argentina is one of the best dual citizenship countries because of formal agreements with countries like Spain and Italy to streamline dual nationality recognition. This makes it especially useful as part of a long-term citizenship strategy, whether you plan to live there full-time or not. How You Can Qualify Naturalization Reside legally in Argentina for two years and apply through the civil court system. No language test required. You must hold a local ID and have no serious criminal record. Citizenship by descent If one or both of your parents are Argentine citizens, you are entitled to citizenship regardless of where you were born. Marriage While marriage doesn’t grant automatic citizenship, it simplifies the residency process, which you can then convert to citizenship after two years. Grenada Grenada offers something unique: an affordable citizenship by investment program with visa-free access to both China and the EU, plus eligibility for the U.S. E-2 investor visa. That last detail is crucial; Grenada is the only Caribbean country whose citizens can apply for the E-2, which allows long-term residence in the United States through business investment. And when you add fast processing, full recognition of dual citizenship, and no residency requirement to the equation, Grenada’s program is ideal for investors seeking strategic dual citizenship. Key Facts RequirementDetailsDual citizenshipAllowedProcessing time3 to 6 monthsResidency requirementNoneLanguage requirementNoneEU accessVisa-free 90-day stay Why Choose Grenada for Dual Citizenship Grenada’s passport offers the opportunity to live and work in the United States through the E-2 visa treaty. It’s also one of the very few countries in the world that offers visa-free entry to China, which even many EU passports do not. Citizenship is permanent, not revocable, and can be passed on to future generations. There are no global tax obligations for non-residents, and no requirement to spend time in Grenada before or after approval. The application process is confidential, fast, and entirely remote, with government-authorized agents handling everything. One application can cover spouses, dependent children, and often parents or grandparents. So if you want mobility, legal diversification, or access to the U.S. and Chinese markets, Grenada provides a combination of benefits that few countries with easy citizenship can match. How You Can Qualify Citizenship by investment (Donation) Contribute $235,000 to Grenada’s National Transformation Fund (single applicant). Citizenship by investment (Real estate) Purchase government-approved real estate valued at $350,000 or more. Must hold the property for five years. Citizenship by marriage Spouses of Grenadian citizens can apply after two years of marriage, subject to due diligence and marriage verification. Citizenship by descent Individuals born to Grenadian parents (even outside the country) can apply through descent, provided documentation supports the claim. How Bitizenship Helps You Get Dual Citizenship in Portugal If you’re comparing dual citizenship countries, Portugal should be at the top of your list, and for good reason. Its Golden Visa remains one of the most practical and secure ways to gain EU residency through investment.  With us, at Bitizenship, you can invest in the Unbound Fund, a government-approved investment route that qualifies under Portugal’s latest rules. You won’t need to uproot your life or live in Portugal full-time. This is a flexible process that gives you the freedom to stay where you are while working toward something bigger: a second passport backed by EU rights and protections. We manage everything. From guiding your investment to compiling your immigration documents, we handle the process from start to finish. You’ll also get access to vetted legal and tax professionals in Portugal, so nothing gets overlooked. Many people wonder how hard it is to move to Portugal, and we’re here to tell you that, with the right support, it can be a piece of cake. You don’t need to navigate unfamiliar systems or deal with international paperwork alone; we make it seamless. Once you’re a resident, you unlock visa-free travel to over 190 countries, the right to live and work across the EU, and access to public services like healthcare and education. And after just five years, you’ll be eligible for dual citizenship in Portugal, without giving up your current nationality or meeting strict residency demands. If you’re ready for a second passport that has long-term value, we’re ready to help you take the next step. Final Thoughts The best country to get dual citizenship depends a lot on what you want to achieve. Portugal offers flexibility and long-term value. Ireland appreciates ancestral ties. Dominica and Grenada offer efficient, affordable citizenship by investment. Italy and Argentina make citizenship accessible through family and residency. What do they all have in common? They allow dual citizenship and give you the freedom to hold onto your original nationality while gaining all the benefits of a new one. If you’re ready to make the best choice, work with a team that knows the process inside and out. We, at Bitizenship, will help you obtain residency in Portugal through legal, strategic, and personalized guidance, which will transform to dual citizenship in no time. Frequently Asked Questions About the Best Countries to Get Dual Citizenship What country is easiest to get dual citizenship in? Argentina is currently one of the easiest countries to get dual citizenship through naturalization, requiring only two years of legal residence and no language test. Ireland and Italy also offer simplified paths if you qualify through ancestry. Which country is best for a second passport? That depends on your goals. For EU access, Portugal and Ireland are top-tier. For investment-based citizenship, Dominica and Grenada are among the most efficient. If you want a fast route with no investment, Argentina is hard to beat. Which country gives citizenship fastest? Dominica and Vanuatu offer citizenship through investment in as little as 2-6 months. Argentina provides the fastest naturalization route, requiring just two years of residency. Which country has the best citizenship benefits? Portugal and Ireland provide access to the entire EU, including healthcare, education, and the right to live and work in 27 countries. These benefits, combined with strong passports, make them ideal for global mobility and long-term stability. Which country gives free citizenship in Europe? There’s no European country offering “free” citizenship, but Ireland and Italy offer citizenship by descent with no investment required, provided you meet the documentation and generational criteria. What are the easiest countries to get dual citizenship? These are some of the most straightforward dual citizenship countries:Portugal (5-year, with minimal residency through Golden Visa)Ireland (ancestry)Italy (ancestry, now limited to 2 generations)Argentina (2-year naturalization)Dominica (affordable investment) What’s the fastest country to get citizenship in Europe? Portugal currently has the shortest standard naturalization period in the EU at just 5 years, without requiring full-time residency. Spain offers faster timelines for citizens of Latin American countries but has stricter physical presence rules. What are the top 10 best citizenships in the world? While rankings vary, the following often make the list based on stability and legal protections:PortugalIrelandItalyDominicaGrenadaArgentinaGermanySwedenCanadaAustralia What are the easiest countries to get citizenship by investment? Dominica: from $200,000Grenada: from $235,000St. Kitts & Nevis: from $250,000Vanuatu: from $130,000 Why is dual citizenship considered bad in some places? Some countries view dual citizenship as a security or loyalty issue, which is why countries like India, China, and Singapore do not allow it. It can also cause complications with taxes, military service, and diplomatic protections. Are there countries offering citizenship for free? No country offers citizenship entirely for free. However, citizenship by descent (e.g., Ireland or Italy) can be obtained at low cost if you qualify. Birthright citizenship (e.g., in Argentina or the U.S.) is granted automatically to children born in the country. Which country gives the fastest citizenship by marriage? Spain: 1 year of residence after marriageBrazil: 1 year of marriage + child togetherColombia: 2 years of marriage + 1 year of residen

19 MIN READ

20 Aug 2025

How to Live in Portugal as an Expat or Digital Nomad
PortugalHow to Live in Portugal as an Expat or Digital Nomad If you, like many others, came back from a Portugal vacation thinking that you’ve found your place, and you started wondering how to live in Portugal, we have news for you.  An increasing number of expats, digital nomads, and retirees make that same move each year, but not only for the weather and culture. Portugal offers residency pathways that are accessible, a healthcare system that works, and a legal environment that’s foreign-income-friendly. Now, it’s not as simple as booking a flight and staying long-term, you will need a visa and the right paperwork, but with the right knowledge, you can make your dreams come true. Residency Options: How to Live in Portugal Legally If you want to understand how to live in Portugal long-term, residency is the key. The country offers several legal pathways that cater to different profiles: remote workers, retirees, investors, students, and family members.  But which one fits your situation best? D7 Visa - For Passive Income and Retirees This is Portugal’s most popular visa for retirees and anyone with passive income (from pensions, dividends, or rental properties). Minimum Income Requirement (2025): Applicant TypeMinimum Monthly Income*Main Applicant€870Spouse/Partner+50%Dependent Child+30% per child *Based on 100% of the Portuguese minimum wage. These figures may rise. Key perks: Path to permanent residency and citizenship Visa-free travel Access to public healthcare (SNS) Approval depends on more than income; you need proof of accommodation in Portugal, a clean background, and a bank account with a couple of thousand euros. Most rejections happen when applicants rush or submit vague financials. If you’re planning retirement and this option interests you, read more in our blog: Is Portugal a good place to retire? Digital Nomad Visa - For Remote Workers Launched in 2022, the D8 visa in Portugal is meant for remote workers earning income from outside Portugal. Requirements: Monthly income of at least €3,480 gross Employment contract or proof of freelance work Tax residence outside Portugal This visa is ideal for tech workers, creatives, and freelancers with stable contracts abroad. You can apply for a temporary stay visa (up to 1 year) or a residency visa (renewable up to 5 years). Golden Visa - For Investors Though real estate no longer qualifies, Portugal’s Golden Visa still allows you to live in the country through fund investment or business creation. Golden Visa options (2025): Type of InvestmentMinimum AmountInvestment fund€500,000Company creation with jobs€500,000+Cultural/artistic donation€250,000 Why consider it: Only ~7 days/year of physical presence required Family members included Direct path to EU citizenship in 5 years* *There are some talks currently that the Government is thinking about prolonging this period to 10 years. Other Pathways Family reunification - Join a spouse or parent legally residing in Portugal Student visa - For full-time study; can be extended if you find work Job-seeker visa - 120-day visa to look for work in Portugal Cost of Living in Portugal Living in Portugal comes with real financial advantages, especially when you compare it to other Western European countries.  While Lisbon, Porto, and the beach towns along the Algarve have seen noticeable price hikes in the last few years, the day-to-day cost of living across most of the country remains manageable.  Rent, dining, healthcare, and public services still offer decent value, and there are plenty of ways to make your money go further if you choose your location wisely and understand the system. If you're planning a long-term stay, living in Portugal comfortably often comes down to balancing lifestyle with location.  Inland towns, smaller cities, and less tourist-saturated areas offer a slower pace and fewer crowds; they're also significantly cheaper.  Whether you're relocating solo or with a family, keeping track of recurring monthly costs like rent, utilities, transport, and groceries will help you plan realistically. Average monthly expenses: Rent (1-bed apartment): €550-€1,700 Utilities + Internet: €100-€150 Groceries: €270-€500 Public transport: €45-50 (monthly pass) Private health insurance: €40-€100 Dining out: €8-€15 per meal in a mid-range spot Tips and tricks: You’ll spend less in cities like Évora, Viseu, or even parts of the Algarve. Rent typically drops by 20-30% outside urban cores. Coworking memberships can be pricey, especially in Lisbon or Porto, look into libraries, cafés, or shared Wi-Fi spaces in smaller towns. Watch out for “gringo pricing” when dealing with landlords or service providers, learn basic Portuguese and compare before signing anything. Visa renewals, document translations, and local lawyers can eat into your budget, so plan those bureaucratic costs in advance. The cost of living in Portugal will vary depending on how much space you need, how often you eat out, and whether you’re located in a high-demand area. But, with careful planning and a bit of local knowledge, it’s a place where quality of life and affordability go hand in hand.  Choosing the right city, knowing how to negotiate, and budgeting for more than just the basics can make your experience much smoother and more enjoyable. Living in Portugal: Healthcare, Taxes & Banking Understanding the systems that keep your daily life running, healthcare, taxes, and banking, is just as important as finding a nice place to rent. Here's what people actually deal with when living in Portugal long-term. Public Healthcare (SNS) Portugal’s national health service (Serviço Nacional de Saúde - SNS) covers everything from general consultations to surgeries, at incredibly low prices by international standards.  Once you become a legal resident, you’re entitled to use it, just like a local. A standard doctor’s appointment costs about €5-€10. Emergency room visits are often under €20. Prescriptions are partially subsidized based on need. But there are drawbacks. Wait times for specialists can drag out for months. And if you live in a rural area, the nearest hospital may be 40 minutes away. That’s why many expats get private health insurance (average: €40-€80/month) to skip the queues and access English-speaking doctors. Taxes This is where most foreigners hit a wall. Portugal taxes worldwide income once you’re a tax resident (i.e., spending over 183 days per year here). That includes pensions, dividends, crypto and royalties. The NHR used to be Portugal’s tax system for high-earning expats: 10 years of low or 0% tax on most foreign income. But as of 2024, it’s been phased out for new applicants, replaced by narrower tax incentives tied to specific professions in the new IFICI regime. That means most new residents now need a smart tax plan, often involving: Keeping tax residency abroad (if on a short-term visa) Structuring income through offshore vehicles Working with a Portuguese accountant early (budget €500-€1,000 for setup) Portugal also has a wealth tax on properties over €600,000 (AIMI), but no inheritance or gift tax between family members. Capital gains on real estate can apply unless it’s your primary residence. Opening a Bank Account Opening a Portuguese bank account used to be a bureaucratic maze, but most major banks (Millennium BCP, Santander Totta, Novo Banco) now have English-speaking staff and digital onboarding, especially if you're applying for a visa and need to show proof of funds. You’ll need: NIF (tax number) Passport or residence card Proof of address (can be temporary) Initial deposit Where to Live in Portugal Choosing where to live in Portugal can shape your entire experience. The country is small but diverse. From Lisbon’s energetic vibe to the slow pace of the Alentejo, lifestyle and cost can vary dramatically between regions.  And if you're serious about living in Portugal, don't pick a place based on a vacation, pick it based on infrastructure, long-term costs, and integration potential. Lisbon Lisbon is where most digital nomads and international professionals land first. It has co-working spaces on every corner, excellent transport, and a large expat community. If you work remotely for a tech company or run your own business, this is the most connected base. Keep in mind that housing prices are brutal. Rent for a one-bedroom apartment in central Lisbon is rarely under €1,500. You’re also competing with a tight long-term rental market where many landlords prefer short-term lets or demand six months of rent up front. Best for: remote workers, international families, startup founders.Avoid if: you want peace, space, lower costs. Porto Porto is just as cool, with much of the charm of Lisbon, but with far fewer tourists, and about 20-30% lower rent. It is a go-to place for artists, foodies and people who want a slower pace of life. Infrastructure is also there: a metro system, an international airport, and growing tech communities. Plus, the Douro Valley is an hour away for weekend wine breaks. Best for: solo expats, creatives, freelancers, and couples.Avoid if: you want beach weather year-round, it’s rainy in winter. The Algarve The Algarve is known for sun, golf, and British pensioners. But it’s also one of the most affordable places for a comfortable life by the sea. Towns like Lagos, Tavira, and Alvor now have English-speaking services, good healthcare, and a lower cost of living than Lisbon. Groceries are cheap, and there’s a strong, long-term expat community, especially retirees. Best for: retirees, families, slow-paced living.Avoid if: you need access to international business hubs or dislike heat. Coimbra Coimbra rarely makes the lists, but it’s one of the smartest choices if you want a livable, affordable city with strong healthcare, public transport, and a good mix of locals and foreigners. It’s a university town, so English is widely spoken, and there’s a nice rhythm of cultural life without crowds. You’ll find affordable apartments, walkable neighborhoods, and plenty of nearby nature. Best for: long-term residents, families, students, or early retirees on a budget.Avoid if: you’re looking for a beach or international nightlife. Inland Towns (Dão, Beiras, Alentejo) If you want space, silence, and traditional life, small towns in central Portugal offer incredible value. Stone houses, low property taxes, and locals who actually want you to stay long-term. But this comes with some cons: fewer English speakers, more bureaucracy, slower internet, and fewer public services. If you're not fluent in Portuguese, integration can take effort. Best for: off-grid expats, homesteaders, remote workers with cars.Avoid if: you rely on public infrastructure or modern conveniences. Living in Portugal: The Bureaucracy Knowing how to live in Portugal is not just picking a city and getting a visa. Once you arrive, the real work begins. You’ll have to navigate some pretty slow bureaucracy that only a local lawyer or long-term expat can walk you through. Here’s a step-by-step look at what you actually need to do, in the right order, if you're planning to live in Portugal long-term: Get Your NIF (Tax Number) You can’t open a bank account, sign a lease, or even buy a SIM card in some cases without a NIF (Número de Identificação Fiscal). Open a Bank Account Once you have a NIF, open a Portuguese bank account to transfer funds, set up direct debits, or apply for residency. Most major banks ask for: Passport NIF Proof of address  Employment or income proof (optional for basic accounts) Banks like ActivoBank, Millennium BCP, and Santander Totta are expat-friendly. Expect some form of monthly fee (~€3-€6). Secure Long-Term Housing AIMA (Agency for Integration, Migration and Asylum) expects you to show proof of stable accommodation, not just a booking.com receipt. This can be: A long-term rental contract (6-12 months) A signed letter from a friend/family if you’re staying with them In some cases, a notarized promise of future residence Important: Most leases are still offline and paper-based. Get familiar with Portuguese rental contracts (“Contrato de Arrendamento”) and ensure it’s registered with Finanças, or it may be rejected for residency. Register with Your Local Freguesia Once you’ve got an address, register with your freguesia (civil parish). This gets you the Atestado de Residência, often required for things like: Changing your driver’s license Enrolling kids in school Applying for a health number (Número de Utente) It’s a small but crucial document that proves you’re actually living where you say you are. Most freguesias require: Passport Lease or utility bill Two Portuguese witnesses (varies) Apply for Your Residence Permit If you came in on a visa, you’ll be scheduled for an in-country AIMA appointment, often 60-90 days after arrival. Bring: All original documents submitted during visa process Passport Proof of residence NIF, bank statements, and proof of health coverage Tip: Photocopy everything. Twice. And always expect delays. Get Your Utente Number (Healthcare Access) If you’re a legal resident, you qualify for public healthcare. You’ll need a Número de Utente, which you can get at your local health center (Centro de Saúde). Bring: Passport + residence card NIF Atestado de Residência Proof of address Exchange Your Driver’s License (If Applicable) Americans and Brits can drive on their home license for 185 days, after which they must swap it for a Portuguese one. The process varies depending on your home country’s agreements with Portugal.  UK citizens are covered by a simplified swap deal; Americans will often need a medical exam and an apostilled driving record. This is where a lot of expats get stuck, because no one gives them a clear roadmap. Miss a step or show up at the wrong time, and you’re rescheduling appointments two months out. How to Live in Portugal - Pros and Cons There’s no shortage of Instagram reels romanticizing living in Portugal, but behind the coastal drone shots and “digital nomad” hashtags, daily life is slower, more layered, and often contradictory. The Good Stuff  The lifestyle is healthier You walk more. You sit down for meals. The food isn’t pumped with additives. Even in cities, no one’s rushing to their fourth side hustle or eating lunch at their desk. A €9 lunch menu (soup, main, drink, dessert) is standard across most towns. It's safe, day and night Portugal ranks as one of the safest countries in Europe. Petty theft happens, especially in tourist zones, but violent crime is rare. You can walk home at 1 a.m. in Lisbon without worrying, something many Americans or Brits notice immediately. English is widely understood in urban areas Especially in Lisbon, Porto, and the Algarve. That said, learning Portuguese, even basic phrases, makes daily life dramatically smoother. Locals appreciate the effort, and it helps with bureaucracy and integration. Nature is easy to access Surfing before work, weekend hikes in Sintra, and wine tastings in the Douro. Portugal has beaches, mountains, and forests, and you don’t need a car to reach most of it. The Bad Stuff The bureaucracy can break you Even with a visa in hand, you’ll still face outdated systems: appointments that take months, offices that require in-person forms, and online platforms that glitch constantly. Many expats end up hiring lawyers or relocation agents just to manage things they should be able to do themselves. Salaries are low If you’re planning to work locally, expect average wages of €900-€1,300/month unless you’re in a specialized field like tech or medicine. That’s why most expats rely on remote work or passive income. If you don’t have a reliable income source in place, you will struggle. Customer service runs on its own clock Don’t expect Amazon Prime speeds, 24/7 support, or fast responses to complaints. The pace is slower, and you’ll either adapt, or drive yourself mad. “Tomorrow” can mean next week. “We're looking into it” might be the end of the conversation. Winter can be damp Portuguese homes aren’t built for winter. Central heating is rare. Insulation is minimal. If you move there expecting California-like comfort, be ready to spend a few cold, humid months indoors. Buy a dehumidifier, seriously. How to Live in Portugal as an American, Brit, or Other Nationality The basic process of how to live in Portugal applies to everyone: get a visa, register your residency, and sort out your finances. But your citizenship changes the paperwork, rights, and speed at which you can get things done. Here's what Americans, Brits, and other nationals need to know. Americans Living in Portugal Americans don’t have special agreements with the EU, so everything hinges on your visa. The D7 visa is by far the most popular route for retirees and remote workers, but the Digital Nomad Visa is getting more popular for higher earners. Key tips: Bring an FBI background check, apostilled (takes ~4-8 weeks) U.S. documents often require translation + apostille Get your NIF and open a Portuguese bank account before applying, even from abroad Banking tip: Americans face FATCA compliance, so some banks are hesitant. Millennium BCP and Santander Totta tend to be the most US-friendly. Brits Living in Portugal (Post-Brexit) Before Brexit, British citizens could live and work in Portugal freely. Now, you're considered a third-country national, same as Americans. That means visa requirements apply. Key points: UK citizens still benefit from the mutual recognition of driver’s licenses There's a streamlined path for healthcare access, especially for pensioners with an S1 form If you lived in Portugal before 2021, your rights are protected under the Withdrawal Agreement For retirees, the D7 visa remains the most straightforward. For remote workers, the Digital Nomad Visa works if your income is above the €3,480/month threshold. EU Citizens Living in Portugal If you’re from France, Germany, Italy, Spain, or any EU country, you don’t need a visa to live in Portugal. But you do have to register your residence if staying longer than 90 days. Here’s what’s required: Proof of income or employment Health insurance (public or private) Proof of address Registration with your local Câmara Municipal (town hall) That gets you your Certificado de Registo de Cidadão da União Europeia, valid for 5 years. Brazilians and Lusophone Countries Citizens of Brazil, Angola, Mozambique, and other Portuguese-speaking countries often benefit from simplified residency and work rights under the CPLP (Community of Portuguese Language Countries) agreements. Brazil, in particular, has reciprocal deals allowing easier visa processing and recognition of documents. Other Common Nationalities: NationalityNotesCanadiansFollow similar path as Americans; apostille via Global Affairs Canada requiredAustraliansEligible for D7 and Digital Nomad visas; all documents need to be apostilledSouth AfricansVisa processing times often longer; watch for delays in AIMA appointmentsUkrainians/RussiansSpecial humanitarian considerations may apply for Ukrainians; Russian citizens face increased scrutiny If Living in Portugal is Your Goal, Bitizenship Can Help If you’re exploring long-term options for living in Portugal, then at some point, you’ll want to move beyond residency and think about full Portugal citizenship.  That’s where Bitizenship comes in. We specialize in helping clients secure Portuguese residency and eventual citizenship through a crypto-compatible investment route: the Unbound Fund, a fully qualifying vehicle under Portugal’s current Golden Visa rules.  And it’s ideal for you, if you want a clear path toward an EU passport. Our team handles every step of the process, starting with fund onboarding and legal structuring, and continuing all the way through document preparation, AIMA scheduling, and coordination with trusted Portuguese immigration lawyers and tax professionals. We make sure everything is compliant, efficient, and built around your personal goals, whether that’s diversifying your citizenship portfolio or simply setting up a more stable future abroad. If your goal is long-term EU mobility, greater financial freedom, and a strategic Plan B for your family, we’ll help you get there, with clarity from day one to your Portuguese passport. Final Thoughts Still wondering if Portugal's right for you? It probably is. Portugal almost has it all. The paperwork is clear. The cost of living stretches your budget without lowering your quality of life. The pace is slower, and the lifestyle is better. You can walk more, eat better, and still afford a decent place to live. It’s not perfect. Things move slow, and some systems are outdated. But if you’re looking for a place that offers stability, safety, and a real chance to build a new chapter, Portugal delivers. FAQ About Living in Portugal Can a foreigner live in Portugal? Yes. Foreigners can live in Portugal by obtaining a legal residency permit, usually via a visa like the D7 (passive income), Digital Nomad Visa, or Golden Visa. EU citizens don’t need a visa but must register locally after 90 days. Can you live in Portugal on $2,000 a month? In most places, yes, especially outside Lisbon and Porto. Rent in cities like Coimbra, Braga, or inland towns can be under €600. Just budget carefully for utilities, transport, and private healthcare if needed. If you're a couple, $2,000 is tight but still manageable outside urban hotspots. Is moving to Portugal difficult? The move isn’t difficult, but the bureaucracy is. Getting a visa is only step one. After arrival, you’ll face multiple appointments, registration steps, and systems that don’t always talk to each other. It’s manageable with research or help from a relocation professional. Is it easy to live in Portugal? Day-to-day life is peaceful, safe, and affordable compared to most of Western Europe. But integration takes effort, especially with language and paperwork. It's “easy” once you’ve set everything up properly and accepted the slower pace. How to live in Portugal as a foreigner? Secure a visa (D7, Digital Nomad, etc.), arrive with your documents in order, register your residency locally, and set up essentials (bank account, healthcare, housing). Staying long-term requires meeting income thresholds and renewing your permit every 2 years until you qualify for permanent residency. How to live in Portugal as an American? Apply for a D7 or Digital Nomad visa at a Portuguese consulate in the U.S. You’ll need proof of income, a Portuguese bank account, and NIF. Once approved, move to Portugal, register with AIMA, and complete local formalities like getting a Utente number for healthcare. How to live in Portugal as a UK citizen? Post-Brexit, UK nationals must follow standard third-country rules. Apply for a long-stay visa before arrival. If you lived in Portugal before 2021, different rules apply under the Withdrawal Agreement. D7 and Digital Nomad visas are the most used paths. What are some bad things about living in Portugal? Long waiting times for public services (healthcare, AIMA appointments)Poor insulation in many homesSlow or inconsistent customer serviceRental market shortages in Lisbon/PortoComplicated bureaucracyStill, most expats consider these tolerable trade-offs for the lifestyle and cost of living. Can I live in Portugal for just 3 months? Yes, with a tourist stay, no visa needed for most nationalities. Just don’t overstay your 90/180-day Schengen limit. You can’t legally work for a Portuguese employer, but remote work for foreign companies is generally tolerated.

20 MIN READ

07 Aug 2025

Is Portugal a Good Place to Retire? Pros and Cons Explained
UncategorizedIs Portugal a Good Place to Retire? Pros and Cons Explained Why is Portugal dominating retirement bucket lists? Spoiler: It’s not just the pastéis de nata (though we see you, dessert stans). The real deal lies in practicalities. Particularly a healthcare system ranked among Europe’s best, residency programs made for retirees, and costs of living that stay low even as demand grows. With its borderline unfair combo of Mediterranean vibes, shockingly low costs, and flexible visa programs, Portugal has become one of the top options for retirement. Besides, programs like the D7 Visa and the Golden Visa offer clear pathways for EU and non-EU nationals. However, no destination is perfect. Apart from the goodness, some downsides deserve equal mention, which begs the question, “Is Portugal a good place to retire?” To answer that, we’ll uncover everything you need to know about it. Let’s explore what’s hype, what’s real, and where Portugal truly shines. Is Portugal a Good Place to Retire? Retirement is a time to slow down, explore new opportunities, and enjoy life on your terms. If you’re considering Portugal as your retirement destination, you’re on the right track. But is it the right fit for you? Let’s take a closer look at some key factors to consider. Lifestyle Fit Humans are always racing against the clock, but not really in Portugal. People here find peace in a slow-moving life. They like to soak in the sunrise before going to work. But since we’re talking about retirees specifically, you’ll find the much-needed respite in the slow-paced charm that the country flaunts.  Cultural Integration While the people are quite friendly, cultural integration is an issue. For the most part, you’ll struggle with communication barriers. However, there are still some localities where English is pretty common (the Algarve and Lisbon, to name two). However, learning a bit of Portuguese is going to take you a long way. Basic phrases like “Hello”, or “Where is the train station” will help you get started on the right foot with the locals.  Financial Planning Portugal is easily one of the most affordable countries to live in Europe. If you’re from a Western country, you’d love the reasonable housing, healthcare, and dining out options. That said, you still need to pay attention to financial planning. Some financial considerations include visa requirements, healthcare costs, and long-term economic sustainability to make sure you live a stress-free retirement. Pros of Retiring in Portugal  Portugal’s retirement appeal is a calculated blend of practicality and perks, which is why people from all over the world are flocking to the country. While there are many pros of retiring in Portugal, here are just a handful of areas where it shines: Affordable Cost of Living The cost of living is the USP of Portugal. Everything from housing to healthcare facilities and food is quite affordable when compared to other Western European countries. Portugal’s smaller cities offer one-bedroom apartments from €500/month, while a three-course lunch with wine costs around €12. Public transport? A monthly Lisbon metro pass costs less than a single London-to-Heathrow Uber ride. You’ll be surprised when you compare the prices of buses, trains, and trams in Portugal with those in the US or UK.  High-Quality Healthcare System Ranked pretty high globally, Portugal has a public healthcare system (Serviço Nacional de Saúde - SNS), which provides universal coverage, and a private healthcare system offering faster services and specialized care.  Safe and Peaceful Environment After working your whole life, all you crave is safety and peace. The good news is that Portugal has consistently been ranked in the Global Peace Index’s top 10 since 2014. This means walking alone at midnight isn’t a dare. Low violent crime, zero political chaos, more peace. Beautiful Beaches, Cities, and Scenery  There’s nothing quite like spending your golden years by the beach. The scenes are so cool that you won’t be able to resist taking pictures every other second and sharing them with your friends and family back home. And who doesn’t love an exquisite cityscape? Beaches, cities, and sceneries are all packed into one location.  Friendly Expat Communities Many retirees spotted Portugal as the perfect place to hang up their boots and call it their home, which means you’re not alone. Algarve, Cascais, and Porto are some of the popular destinations with most retirees. Expats in these areas regularly host meetups, cultural events, and social clubs, making it super easy to plug in, connect, and build lasting connections. Tax Benefits for Foreign Retirees Portugal’s Non-Habitual Resident (NHR) regime, which provided tax benefits for retirees, ended in 2024. This means now there’s a new program called the Incentivized Fiscal Incentive for Scientific Research and Innovation (IFICI). While it doesn’t bring with it the broad tax benefits of the NHR, it also doesn’t take away the fact that Portugal’s general tax rates remain lower than many Western European countries. Pension income is now taxed at standard Portuguese rates, which are still relatively low. And the good thing is, Portugal maintains tax treaties with various countries to prevent double taxation. While retirees lose specific perks, the country’s overall tax scene remains pretty competitive. Easy Travel Across Europe If you’re a sucker for traveling, you’d love the amazing connectivity of Portugal with the rest of Europe. The Schengen visa allows you to visit about 26 countries in Europe, including some popular names like Rome, Paris, and Madrid. London is also just a stone’s throw away. A European adventure is always on the charts if you’re living in Portugal.  Access to Residency Visas Like the D7 and Golden Visa Portugal makes it easy to get residency through amazing visa programs. For one, you have the D7 visa, also known as the passive income visa. If you have a stable income through a pension or an investment, you can get a Visa in Portugal, provided your income is a minimum of €760 per month.  Another great visa option is the Golden Visa, which allows you to get residency in the country if you make a property or other qualifying investment of about €500,000. It’s an easy pathway to gaining Portuguese citizenship after 5 years.  Cons of Retiring in Portugal Yes, Portugal is great. But does it come without challenges? Nope. No place does. However, if you know these challenges beforehand, you can come up with an action plan to deal with them. Here are some cons you must be aware of: There Can Be a Language Barrier While English is widely spoken in the country, Portuguese remains the national language in the not-so-tourist areas. If you’re planning to live in the rural areas, having some Portuguese phrases up your sleeves will take you a long way.  Some phrases you could learn include: Olá (Hello) Obrigado/a (Thank you) Como vai? (How are you), Posso comer um pouco de pão (can I have some bread).  You can also enroll in a Portuguese class to get the basic hang of the language and make your day-to-day life relatively easy.  Slow Government Bureaucracy In terms of bureaucracy, Portugal is not as good as Western countries. You’d find getting your driver’s permit challenging due to long wait times and requiring multiple visits to the office. The same applies to getting your residency visa or healthcare registration. For someone coming from the Western world, you’d find this annoying, but it grows on you. It’s still an important consideration, though. Rising Housing Costs in Popular Areas Due to many expats, digital nomads, and investors moving to popular areas like Lisbon, Porto, and the Algarve, the rates of houses have significantly shot up. In Lisbon and Porto, the rates have skyrocketed, making them really expensive places to stay. If you’re looking for a more affordable option, consider moving to smaller localities like Alentejo, Aveiro, Montijo, or Figueira da Foz. Cold and Damp Winters (Especially in the North) While Portugal is known for its sunny weather, the winters, particularly in the North, can be extremely chilly and damp. What makes this worse is that most of Portugal doesn’t have a central heating system like in the US or the UK. Instead, there are space heaters and fireplaces. Humidity is another concern, which makes the older homes really damp. While southern Portugal (Algarve) enjoys milder winters, areas like Porto and Braga can experience rainy, chilly months that some retirees may find uncomfortable. If you don’t like cold, consider moving to a place with heating options to keep you warm on cold nights.  Higher Energy Costs Compared to the US One thing you need to be aware of before considering Portugal as your next home is the high energy bills. The lack of efficient heating options can lead to a high electricity bill. In fact, Portugal is infamous in Europe for their high electricity prices. Gasoline prices are also significantly higher than in the US, making driving more expensive. Some retirees opt for solar panels or alternative energy solutions to reduce costs. Being mindful of energy consumption and choosing a home with good energy efficiency can help manage expenses. Cost of Living Breakdown for Retirees in Portugal Portugal is known for its affordable living, but you must be aware of the costs to make smart decisions. For example, knowing the rents in the most popular districts will help you choose the most cost-effective location to spend your lifetime once you retire. Here’s a detailed breakdown of the cost of living for retirees in Portugal: Housing and Rent Prices  Just like any other place, pousing and rent prices in Portugal depend on which locality you’re living in. For example, in Lisbon & Porto, renting a one-bedroom apartment costs you anywhere between €900-€1,500 per month. If you’re thinking of buying a property, it could cost you anywhere between €4,000-€7,000 per square meter. If this is way over budget, there are also some affordable options to consider in smaller cities. In Braga, Coimbra, or Évora, you only have to pay about €500-€800 per month with the property prices relatively lower as well. Rent in retirement-friendly regions like Faro, Lagos, or Tavira falls between €700-€1,200 per month, depending on proximity to the beach. The most affordable option is to live in the rural areas, where you’d only have to pay €400-€600 per month. Portugal has something both on the lower and the higher end, so ultimately, it all boils down to your budget.  Groceries, Dining, and Daily Expenses You’d love to go Grocery shopping in Portugal, as the prices of groceries are considerably lower, at least when compared to Western countries. Here are some average prices of groceries, diving, and transportation: Grocery ShoppingBread: €1 per loafMilk: €0.90 per literEggs: €2 per dozenFresh fish: €5-€12 per kgChicken: €6 per kgDining OutA meal at a local restaurant: €10-€15 per personMid-range dining: €25-€40 per coupleA cup of coffee: €1-€1.50A beer or glass of wine: €2-€4TransportationYou can get a monthly pass for bus, train, and metro for as low as €30-€50. Uber and other cab services are also fair in their rates, with a short trip costing you about €5-€10.  Healthcare and Insurance Costs Portugal has a public healthcare system called the SNS – Serviço Nacional de Saúde. All EU citizens can access it. While non-EU retirees can also access public healthcare, they usually prefer private services due to shorter wait times and many English-speaking doctors. Private insurance costs €40-€150+ per month, depending on age and coverage. More on this below. Healthcare in Portugal: What You Should Know Portugal’s healthcare system is a key reason it tops retirement lists. Here’s a breakdown of it, keeping affordability, speed, and English-speaking doctors in mind (no sugarcoating): Public Healthcare (SNS) Serviço Nacional de Saúde is Portugal’s taxpayer-funded healthcare system, open to all legal residents (including retirees with residency visas). Here’s the good and bad of it: The GoodThe BadSeveral services are almost free, while some require a small co-payment. Longer wait times for specialist appointments and non-urgent procedures.It includes general practitioners, specialists, hospital care, and emergency services.Limited English-speaking doctors, so you’re lucky if you get one.It’s ranked 23rd globally by the 2024 World Index of Healthcare Innovation.Some prescription medications are subsidized, but not all are free. Private Healthcare If you want fast access to healthcare services, private healthcare may be the way to go. Here are the benefits and challenges of it: The GoodThe BadShorter wait times, even for surgeries, specialist consultations, and diagnostic tests.More expensive than public healthcare.More English-speaking doctors, so no need to slip over your “por favor” while speaking to the staff.If you’re visiting without insurance, you’d have to pay anywhere from €50-€150 for one consultation with the doctor.High-quality facilities, because “private,” after all. Private Health Insurance Costs Many retirees prefer to take private health insurance to reduce their overall medical bills. Here’s how the pricing goes.  Basic coverage: €40-€60 per month Comprehensive coverage: €80-€150 per month Premium insurance for older retirees: €150+ per month How Health Coverage Works for Expats The type of healthcare coverage available to you depends on various factors, including residency status, nationality, and whether you are from an EU or non-EU country. European Union (EU) and European Economic Area (EEA) citizens can use their European Health Insurance Card (EHIC) for short-term stays.  Long-term residents from the EU/UK can register for SNS coverage by obtaining a Número de Utente (healthcare user number) at their local health center. UK citizens can access NHS-funded healthcare in Portugal under the S1 form if you’re a pensioner receiving a UK state pension.  Non-EU citizens need private health insurance before applying for a residency visa (such as the D7 Visa or Golden Visa). However, once you obtain legal residency, you can register for public healthcare (SNS).  Best Places to Retire in Portugal  The places to explore are abundant for retirees. Each place has its unique charm, lifestyle, and cost of living. Here are the top places you can choose as your second home: Lisbon - A Blend of City Life and Culture Being the capital city, Lisbon is a high-energy place where people love to retire. City life and culture converge here with the concentration of some of the biggest historical places. It has world-class museums with Fado music. You’d also fall for the city’s infrastructure, the well-connected transport system and shopping centres. On the downside, it’s pricey. With the rent prices reaching an all-time high, you might struggle to land on the right accommodation for your needs. But if money is not the issue, then hands down, go ahead with this place. ProsCons15+ UNESCO sites, Fado bars, and highly rated food scene in Europe.The average rent for a 1-bed is about €1,800/month.Private hospitals (e.g., Hospital da Luz) with English-speaking staff.Packed trams, inflated prices, and too many tourists.45-minute flights to Madrid, Paris, and Morocco. Porto - Affordable, Scenic, and Laid-Back If you’re looking for Lisbon perks but not-so-Lisbon prices, Porto might be the option for you. It has a relaxed and laid-back atmosphere with stunning scenery. It’s also home to the famous Port wine, so if you are a wine enthusiast, you’ll have a ball. On the downside, winters are cooler and wetter here. ProsConsCheaper 1-bed living rents compared to places like Lisbon.150 rainy days/year, averaging 48°F (9°C) in winter.One of the safest cities in Europe.Less English fluency outside tourist zones. The Algarve - Sun, Beaches, and Golf The Algarve is known for its stunning coastline, and expansive expat community. Many retirees from the US, UK, and Germany have found a haven in this place. You’ll feel right at home. It gets over 300 days of sunshine per year with warm winters. You’ll also find some of the most exquisite beaches here. The USP of this place is its golf courses. Many retirees love to play golf, and if you relate to that, consider making the Algarve your retirement home.  ProsConsOver 3,000 hours/year of sunshine.There can be seasonal chaos during July and August due to tourist spikes.More than 100,000 retirees who are mostly British/German.More than 40 gold courses. Cascais - Upscale Living by the Coast Cascais is an amazing alternative to Lisbon. If you fancy living by the beach, you won’t find a better spot. It’s incredibly well-maintained and has an excellent healthcare system. Moreover, it's close to Lisbon, so you can also enjoy the perks of the capital city without breaking your bank. ProsConsSeveral Blue Flag beaches within 10km.2-bed apartments average €2,500/month.Quick 30-minute train to Lisbon (€2.30/ride).There can be limited space, and there’s competition for rentals due to the high number of residents. The Silver Coast - A Quieter Alternative Want to live by the coast without much of a crowd? The Silver Coast is your guy. This region includes towns like Nazaré, Óbidos, and Caldas da Rainha. It’s much more pocket-friendly than places like Lisbon or the Algarve. Since there are fewer tourists here, you’ll be able to relish the authentic local lifestyle. However, you also have to prepare for the smaller English-speaking population.  ProsConsLower 1-bed rents, starting from just €450.There’s only 12% English fluency.10x quieter beaches than places like the Algarve.There are fewer healthcare specialists.Various medieval villages + UNESCO sites. Visa and Residency Options for Retirees in Portugal Retiring in Portugal is a dream of many, and now it can be your reality. The country offers two main visa programs to allow retirees to get residency - D7 and Golden Visa. Let’s learn more about them: The D7 Visa  D7 visas are designed for retirees who have a stable passive income coming their way, either through pension, investments, or rental properties. It allows you to live in Portugal full-time with free movement in the Schengen region. You can also access the public healthcare system, SNS. After 5 years, you can apply for permanent residency and make it your retirement home.  Golden Visa Program  The Golden visa program is ideal for those who don’t want to commit to Portugal but still want to stay once in a while to take in the beauty of the place. To avail of this program, you must make a significant investment in the country, after which you can be granted a minimum of 7 days per year to stay in the place. It can lead to permanent residency and even citizenship, and you also get the option to include family members. Ready to Retire in Portugal? Bitizenship Can Help To be real, navigating Portugal’s visa process can feel a little daunting. Thankfully, Bitizenship exists, and this is exactly where we step in. Our team specializes exclusively in the Golden Visa program and opens access to the Unbound Fund, which is a private equity investment fund that makes it easier for global citizens like you to attain the Golden Visa. Here’s how we simplify the entire process: Golden Visa Strategy: Personalized guidance based on your retirement goals and financial situation. Smooth Paperwork: From investment documentation to SEF scheduling, we handle the bureaucracy for you. On-the-Ground Support: Access to trusted lawyers, tax experts, and real estate partners who know the local landscape inside out. With Bitizenship, you’re unlocking a stress-free roadmap to Portuguese residency, backed by a high approval rate and on-the-ground expertise. Get in touch today to invest in Portugal Golden Visa. Closing Thoughts  Portugal’s blend of affordability, sun-drenched coasts, and retiree-friendly visas makes it a top contender for your golden years, but it’s not a one-size-fits-all paradise. Each city comes with trade-offs: rising rents, bureaucratic quirks, or winters that demand more than a sweater. It’s important to align your priorities (budget, language tolerance, healthcare needs) with the right locality. Build connections with expat hubs, learn a handful of local phrases, and pack patience and maybe a space heater. FAQs What are the cons of retiring in Portugal?  Every place comes with its challenges. When in Portugal, you’d likely struggle with the language barrier, slow bureaucracy, rising housing rates, and high energy costs. Other than that, it’s an incredible place to retire in.  How much money do you need to retire in Portugal? Portugal has affordable housing, healthcare facilities, and grocery prices. This means you only need an average of €1,500 to €3,000 per month to thrive in Portugal as a retiree.  Which part of Portugal is best for retirement?  The best place in Portugal to retire depends upon your needs and requirements. If you’re looking for a rich culture, historical significance, and modern amenities, Lisbon would be ideal. On the other hand, if you’re looking for affordable living, Porto is a great alternative. For the beaches and sun, consider The Algarve. Is it better to retire in Spain or Portugal?  Both Portugal and Spain are excellent places to retire, but there are some key differences between the two. For one, Spain is slightly more expensive than Portugal, but the healthcare system is better and more efficient in the former. And while Spanish is widely spoken in Spain, English is quite prevalent in the country, more than in Portugal. However, Spain imposes higher taxes on foreign income. The choice boils down to your requirements.

19 MIN READ

24 Jul 2025

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Yes, we coordinate with trusted law firms and advisors to streamline the entire process for you.

Visit the official Unbound Fund website for detailed insights into Unbound Fund.

We focus exclusively on Portugal’s program, offering unmatched flexibility and strategic advantages.

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