A Step-by-Step Guide to Moving to Portugal

Considering making Portugal your new home? You're in good company. Each year, countless expats are drawn to this beautiful country, captivated by its rich history, mild climate, and high quality of life. However, moving abroad often brings its own set of challenges, from paperwork and legalities to cultural and language adjustments.

Since 2020, I’ve been living in Portugal under the NHR regime, so I’ve personally navigated the relocation process and learned firsthand how to settle into this wonderful country. In this comprehensive guide, I’ll take you step-by-step through the relocation process to help make your move to Portugal as seamless as possible.

Step 1: Determine the Right Visa for You

Before diving into your new life in Portugal, it’s crucial to identify the visa that best suits your situation. Portugal offers a variety of visa options depending on your needs, from studying to working, retiring, or even investing.

Popular Visa Options for Expats

• Student Visa: If you're relocating to Portugal for academic reasons, the student visa is your go-to. It allows you to stay for the length of your studies and even take on part-time work.
• Work Visa: If you're moving for employment, you’ll need to secure a job offer from a Portuguese company. The company usually sponsors your work visa.
• Digital Nomad Visa: For remote workers, Portugal’s digital nomad visa allows you to live in Portugal while working for a foreign company.
• D7 Visa: Ideal for retirees or individuals with passive income, the D7 visa grants long-term residency without the need for local employment.
• Golden Visa: If you plan to invest €500,000 or more in Portuguese real estate, the golden visa offers residency with investment privileges.

Tip: Begin your visa application 3 to 6 months before your planned move to ensure you have ample time to gather documentation and schedule embassy appointments.

Step 2: Get Your Documents Ready

While Portugal’s bureaucracy can seem overwhelming, being well-prepared can save you time and stress. Some essential documents include:

• Passport: Ensure it’s valid for at least six months.
• Visa application forms: These will vary based on your visa type.
• Proof of financial means: Bank statements, contracts, or pensions to show your financial stability.
• Health insurance: Proof of private or public health insurance is required for visa applications.
• Accommodation details: Whether a rental agreement or temporary booking, you’ll need to show where you plan to live.

Finding accommodation in Portugal can be competitive, especially in Lisbon and Porto. Platforms like Idealista and Imovirtual are fantastic resources for long-term rentals.

Step 3: Secure Housing in Portugal

From city apartments to charming rural homes, Portugal offers a range of housing options. As you search for your ideal place, consider the following:

• Location: Whether you prefer the vibrant city life of Lisbon or Porto, the tranquility of smaller towns like Coimbra or Évora, or remote areas like small towns in Alentejo or Algarve.
• Cost of Living: Renting in Lisbon or Porto is more expensive than in smaller cities and rural areas.
• Transport: If you don’t plan on owning a car, make sure you're near public transport.

Step 4: Apply for Residency Permit

Once you have your visa and arrive in Portugal, the next step is to apply for a residency permit. This is crucial, as the visa itself is typically just an entry permit.

How to Apply:

• Where to Apply: Visit the local SEF (Serviço de Estrangeiros e Fronteiras) office in Portugal within the timeframe specified on your visa.
• Required Documents: You’ll need to provide your passport, visa, NIF, proof of address, proof of financial means, health insurance, and possibly other documents depending on your visa type.
• Appointment: SEF appointments can be scheduled online in advance, which is highly recommended, as slots can fill up quickly.
• Residency Permit Duration: Your initial residency permit is usually valid for 1-2 years and can be renewed if you plan to stay longer.

Step 5: Obtain Your NIF (Número de Identificação Fiscal)

The NIF (Tax Identification Number) is an essential document for almost everything in Portugal—from renting a house to opening a bank account. Here’s how to get it:

• Where to Apply: Visit your local tax office or a Loja do Cidadão (Citizen’s Shop).
• Required Documents: Bring your passport, proof of address, and possibly a local representative if you aren’t yet a resident.
• Cost: There’s usually a small fee of around €10-15 to process your application.

Tip: Get your NIF as early as possible after arriving, as it’s a key document for most formalities.

Step 6: Open a Portuguese Bank Account

While not mandatory, having a Portuguese bank account simplifies everyday tasks such as paying rent, bills, and handling other expenses. To open an account, you’ll need:

• NIF
• Proof of address
• Proof of income (some banks may request this)

Popular banks for expats include Millennium BCP, Caixa Geral de Depósitos, and Novo Banco. You can open a non-resident account initially while waiting for your residency status.

Step 7: Arrange Health Insurance

Portugal’s healthcare system is of high quality, with both public and private options available. Depending on your visa type, you may need to arrange private health insurance before moving.

• Public Healthcare: Once you have a work contract or residency, you’ll be entitled to access Portugal’s public healthcare system.
• Private Insurance: If you need private health insurance for your visa or for peace of mind, companies like Medis and Fidelidade offer good coverage.

In my experience, private insurance provided me with more immediate access to services when I first moved to Lisbon. We can help you find the best health insurance suited to your needs.

Step 8: Understand the Portuguese Tax System

If you plan to stay long-term, understanding how Portugal’s tax system works is vital. As a resident, Portugal taxes worldwide income, but there are some exceptions, like the NHR (Non-Habitual Resident) tax regime.

• Resident Status: You’ll be considered a tax resident if you live in Portugal for over 183 days per year.
• Non-resident Status: You’ll only be taxed on Portuguese-sourced income.
• Double Tax Treaties: Portugal has agreements with several countries to avoid double taxation.

When I moved to Portugal, I made sure to consult with a local accountant (gestor) to ensure compliance with tax regulations.

Step 9: Immerse Yourself in Portuguese Culture

Living in Portugal is more than just handling legalities; it’s about embracing the relaxed yet vibrant culture. From the historic streets of Lisbon to the coastal beauty of the Algarve, Portugal has something for everyone.

• Learn Portuguese: While many people in larger cities speak English, learning basic Portuguese will enrich your experience and help you settle faster.
• Enjoy the Lifestyle: Portugal’s slower pace of life, with its coffee culture, beautiful beaches, and welcoming people, is something to savor.

Step 10: Build a Network with Other Expats

Connecting with fellow expats can help ease the transition. Fortunately, there are thriving expat communities across Portugal. Whether through online forums, language exchanges, or local meetups, you’ll find plenty of opportunities to build your network.

When I first moved to Portugal, joining local expat groups and coworking spaces like Second Home helped me meet new people and find a sense of community.

Ready to Make the Move to Portugal?

Moving to Portugal can be the beginning of an exciting new chapter. Whether you’re relocating for work, retirement, or simply seeking a change of scenery, the process may seem complex, but with the right guidance, it's entirely manageable.

Need help with your relocation? Contact us for a free consultation, and we’ll guide you through every step of your move to Portugal, ensuring a smooth and hassle-free experience.