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Happy Sunday, friends 🌞
The road to Rome wasn’t paved in a day, and neither are the roads to Portugal. Moving here can feel like an emotional rollercoaster, one filled with paperwork, patience, and the occasional leap of faith between floating bureaucratic stepping stones. But every step brings you closer to building your life here, and that’s what makes it worth it.
Today, we’re kicking off a new article series from Fresh Portugal, taking a clear look at the main visa routes and what to expect along the way, starting with the Golden Visa. Next up, we’ll explore the D7 and D8, so stay tuned for those.
Last week’s article on healthcare in Portugal sparked a lot of interest, and so many of you asked for more details. I’m happy to say a follow-up is coming in November, where we’ll dive deeper into how the system works and how Serenity-Portugal can help expats navigate it all.
Here’s what’s on the menu today:
👯 Upcoming events to add to your calendar
🌐 Is Portugal’s Golden Visa still worth it?
🗣 A mini Portuguese lesson from Mia Esmeriz
Let’s dive in, shall we?
TODAY’S SPONSOR 🫶
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📷 Pic of the week
The river that flows through Tavira, a small city on Portugal’s Algarve coast, is known as the Gilão River, but there’s a unique twist: as it moves through the town, its name changes to Séqua upstream of the famous central bridge, the Ponte Romana, and to Gilão downstream, all within Tavira itself. This rare double naming is tied to a local legend about a knight named Gilão and a princess named Séqua, whose tragic love story is said to explain the dual identity of the river.
📰 What’s Happening
Food & Wine
Festival Nacional de Gastronomia, Santarém: October 16–26, 2025. Showcase of regional Portuguese cuisines, food stalls, demonstrations, and wine tastings.
National Sweets Fair, Abrantes: October 25–27, 2025. Traditional sweets, local honey, jams, and liqueurs.
Music
The Phantom of the Opera (14–25 October, Lisbon): World-renowned musical at Campo Pequeno.
Candlelight Concerts Series: The Candlelight Concert Series returns to Portugal from October 2025, with candlelit performances in Lisbon, Porto, Cascais, Estoril, and the Algarve. Expect tributes to Queen, The Beatles, Coldplay, ABBA, Hans Zimmer, 80s classics, and special Halloween concerts, held in unique venues like historic hotels and museums. Shows are frequent from October through winter and sell out quickly. Advance booking is highly recommended
Bloom Halloween (Bloom side-event), 31 October 2025, Lisbon: A club-oriented offshoot of Bloom Festival with notable electronic/DJ sets in celebration of Halloween.
OneRepublic with Ella Henderson, 16 November 2025, MEO Arena, Lisbon: International pop rock band OneRepublic and UK singer Ella Henderson headline a major arena show, drawing a cosmopolitan crowd.
Fun, Family & Themed Events
Feira de Santa Iria (Tomar, October 17–26): Longstanding fair with parades, markets, and concerts in a historical town.
Feira de São Simão: October 26-November 1, Alcobaça. Traditional autumn fair with folk dancing, chestnuts, walnuts, cornbread, and seasonal foods.
Sport & Outdoors
EDP Lisbon Marathon 2025 (October 25, 2025): One of the world's most beautiful marathons! The 42km course runs 100% along the Atlantic Coast and riverside. Also includes Half Marathon (Oct 26 from Vasco da Gama Bridge), 8K mini marathon, and New Generation races.
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🌐 Immigration Insider
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For many of you, hearing talk of a “dead” Golden Visa program can be alarming, but in reality it’s just evolved. As of late 2023, Portugal officially shut the old property route. In other words, straightforward real estate purchases no longer qualify. The program now steers new investors toward approved funds, businesses, or cultural projects. These changes have been confusing and frustrating, but demand is still strong, and the Golden Visa continues to offer a flexible and long-term option for securing a European foothold.
Whether you're just starting to explore your options or already in the pipeline, today's article is for you. Fresh Portugal is sharing their insights on what timelines to expect, how the visa has changed, and why it may still be a great choice. The Golden Visa path into Europe is still open. You just need to know the new rules.
Let’s hand it over to the experts:
🌐
Portugal Golden Visa 2025: A Complete Guide
Portugal’s Golden Visa remains one of the most flexible ways to secure European residency, and eventual EU citizenship, without uprooting your life. In 2025, the program has new rules and processing realities you need to understand before committing significant capital.
This guide covers key challenges, benefits, health insurance requirements, timelines, documentation, and the most viable investment routes now available.
Key Challenges for Applicants
Extended processing times
Backlogs mean it can take 12–24 months or more from application to residence card. Even with reforms, multi-year waits are not unusual.
Higher financial thresholds and evolving rules
Buying residential property no longer qualifies. Minimum investments now range from €250,000 (for approved cultural donations) to €500,000 (for most other routes).
Significant costs beyond the investment
Government application and issuance fees, plus legal, translation, and banking costs, add several thousand euros per person.
Strict documentation standards
Apostilles or consular legalization and certified Portuguese translations are required. Small errors can reset timelines.
Language and integration requirements for citizenship
Reaching citizenship still requires five years of legal residence and passing a basic Portuguese (A2) language test (or an intensive course of 150 hours).
Why the Golden Visa Still Appeals
Family coverage: Spouse, dependent children, and qualifying parents can be included.
Minimal stay requirement: An average of seven days per year in Portugal is enough to maintain the permit.
EU mobility: Visa-free travel throughout the Schengen Area.
Path to permanence: Eligible for permanent residence or citizenship after five years, with the clock starting from the application date.
Public services and flexible taxation: Access to healthcare and education, plus the option to remain a tax resident elsewhere if you spend fewer than 183 days a year in Portugal.
Health Insurance: Before and After Approval
Before approval
Applicants must present comprehensive private health insurance valid in Portugal and the EU. Short-term travel plans are not accepted.
After residency is granted
You become eligible to register with Portugal’s national health system (SNS). Private insurance is no longer mandatory, though many residents keep it for faster access to specialists and broader coverage such as dental care.
Application Timeline and Process
Obtain a Portuguese tax number (NIF) – typically 1–2 weeks.
Open a Portuguese bank account – about 1–6 weeks.
Complete the qualifying investment – usually 1–4 weeks.
Submit the online application via AIMA’s portal.
Pre-approval review – commonly 6–18+ months
Biometrics appointment in Portugal – often 3–6 months after pre-approval.
Final approval and residence card – roughly 4–6 months after biometrics.
Total timeframe: expect 12–24 months or longer from start to residence card, though the five-year citizenship clock starts when you submit your application.
Documents You’ll Need
Valid passports for all applicants
Police clearance certificates (from country of residence and country of origin)
Portuguese NIF numbers
Proof of qualifying investment
Sworn statement to maintain the investment for at least five years
Private health insurance certificate
Proof of family relationships (marriage, birth certificates, dependency evidence if needed)
Passport photos and proof of legal entry if applicable
All foreign documents must be apostilled or legalized and translated into Portuguese by a certified professional.
Smart Investment Routes in 2025
With residential property off the table, the main qualifying routes are:
Regulated investment funds (minimum €500,000)
The most popular option. Offers diversification and professional management, but requires careful due diligence.
Cultural or heritage donations (minimum €250,000)
The lowest capital requirement, but the funds are non-refundable.
Business creation or expansion (job creation)
Suitable for entrepreneurs ready to establish and maintain at least the required number of jobs in Portugal.
Choose based on your financial goals and desired level of involvement; all require maintaining the investment for at least five years.
Final Takeaways
Portugal’s Golden Visa remains a powerful way to secure EU residency and a path to citizenship with minimal physical presence. Success, however, depends on planning for significant costs, strict documentation, and long processing times.
For those who want to live in Portugal full-time in the near future, other visas such as the D7 or D8 may be faster and more economical. For those seeking flexibility, long-term optionality, and a European foothold, the Golden Visa is still a leading choice in 2025.
Further reading:
🌐
With thanks to our collaborators, the Real Estate Team at FRESH Portugal, for their valuable insights and contributions to this article.
The tax team at Fresh Portugal is a highly skilled and experienced group, with deep expertise in both domestic and international tax law. Specializing in tax consulting, litigation, and planning, the team focuses on areas such as digital nomad taxation, crypto, and expat tax services. Additionally, the team has a strong background in private client services, tax compliance, delivering comprehensive and innovative solutions.
Email: [email protected]
🗣 Lost in Lingo - Mini Lessons by Mia Esmeriz
Ordering food in Portugal is always a joy, but menus can sometimes feel a little overwhelming.
A few words will instantly make things easier:
Prato do dia = Dish of the day (often the best and cheapest option!)
Entrada = Starter
Sobremesa = Dessert
Learn these basics and you’ll order with confidence, and you’ll be eating like a local in no time.
🗣 For more everyday Portuguese tips, Mia offers a free starter course to help you learn the basics of the language.
💡 Mia from Mia Esmeriz Academy is a Portuguese teacher from Porto with more than 15 years of experience teaching foreigners. She helps expats become fluent in Portuguese in a clear and practical way. Alongside her courses, she also shares free content on Instagram, Facebook, and TikTok.
…And That’s All Folks
Thanks for reading! 💌
Hustle on!
Angelique🧞♀️
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