Relocation Guide

Moving to Portugal

Planning a move to Portugal? Our 2025 Relocation Guide covers visas, cost of living, best places to live, taxes, healthcare, and everything you need for a smooth transition.

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Thinking about moving to Portugal?

This in-depth relocation guide provides a practical and accessible overview of how to move to Portugal — covering key topics such as visa pathways, legal steps, cost of living, healthcare, housing, and the most popular regions to settle in. Whether you’re retiring, investing, working remotely, or relocating with your family, you’ll find clear guidance to support every stage of the process.

Family enjoying a walk along a sandy beach in Portugal
Family walking along a sandy Atlantic beach in Portugal

Portugal has become one of Europe’s most appealing destinations for those looking to relocate — attracting people from all walks of life with its balanced lifestyle, diverse landscapes, and strong sense of community. From those seeking a slower pace and sunshine to professionals and investors looking for stability and opportunity, Portugal offers a rare blend of quality of life, accessibility, and long-term potential.

Table of Contents

Brief Overview of Portugal’s Appeal

With its mild climate, diverse regions, and modern infrastructure, Portugal strikes a balance between tradition and innovation. The country is known for its safety, affordable cost of living, and high quality public services — including healthcare and education. For investors and remote workers alike, Portugal offers not only a favourable tax environment but also residency options tailored to different lifestyles.

Whether you’re drawn to the energy of Lisbon, the calm of the Algarve, or the natural beauty of Madeira and the Azores, Portugal’s diversity makes it easy to find the right fit.

Lifestyle, Climate, and Cost of Living

Life in Portugal tends to move at a gentler pace, especially when compared to larger urban centres in Europe or North America. The Mediterranean climate allows for outdoor living most of the year, with over 300 days of sunshine in many regions.

From fresh local food to efficient public transport, the overall cost of living remains accessible — particularly when compared to other Western European countries. It’s possible to live comfortably without compromising on quality.

Who This Guide Is For

This guide is intended for anyone considering a move to Portugal, whether you’re:
Retiring and looking for a peaceful place to enjoy life

  • An entrepreneur or freelancer exploring new markets
  • A remote worker in search of a better lifestyle
  • A family interested in relocating for education and safety
  • An investor evaluating the real estate or residency opportunities

Whatever your motivation, this guide provides the information you need to make informed decisions and plan a smooth transition to life in Portugal.


Why Choose Portugal?

Quality of Life in Portugal

Consistently ranked among the top countries in Europe for quality of life, Portugal offers a safe and comfortable lifestyle. Low crime rates, friendly communities, and well-developed infrastructure contribute to a strong sense of daily well-being. Cities and towns are walkable, public spaces are well maintained, and both healthcare and education systems are accessible to locals and newcomers.

Cliffside beach view at Praia do Camilo in Lagos on the Algarve coast
Cliffside beach view at Praia do Camilo in Lagos on the Algarve coast

Cost of Living Comparison

Compared to countries like France, Germany, or the UK, the cost of living is generally lower — especially outside the major urban centres. Housing, transportation, and everyday expenses are more affordable, allowing for a balanced lifestyle or more flexibility in retirement planning.

Affordable Lifestyle

Dining out, using public transport, and enjoying fresh local produce are part of everyday life — and remain accessible on a moderate budget. Whether you live in a major city or a smaller town, many everyday pleasures don’t come at a premium.

Mediterranean Climate

With mild winters and warm, dry summers, the Mediterranean climate is one of the country’s most appealing features. The Algarve, for example, sees over 300 days of sunshine each year, making outdoor living an easy and enjoyable part of daily life — from terrace breakfasts to weekend hikes and beach visits.

Safety and Political Stability

As one of the safest countries in the world, Portugal benefits from low crime rates and a strong sense of public security. The country also enjoys political stability and a democratic system that supports civil rights and social services — key factors for families, retirees, and long-term investors.

Strategic Location

Well connected to the rest of Europe and beyond, Portugal offers direct flights to North America, South America, and Africa. International airports in Lisbon and Porto make it a convenient base for frequent travellers or business owners with international ties.

Rich Culture and Friendly Locals

A blend of tradition and modernity defines the cultural landscape. From UNESCO World Heritage sites to music festivals and lively neighbourhoods, there’s always something to explore. Newcomers often note how welcoming and helpful the local population is — even if you’re just beginning to learn the language.

Healthcare System

Both public and private healthcare options are available, and residents can access the national health service. Many expats also choose private insurance to ensure faster appointments and more flexibility. Overall, healthcare is high-quality and reasonably priced.

Diverse Landscapes and Natural Beauty

In a relatively small territory, you’ll find beaches, mountains, vineyards, and islands. It’s possible to surf in the morning and hike in the afternoon — or spend the weekend exploring natural parks or the countryside. The variety of landscapes supports a strong connection to nature.

Vibrant Cities and Towns

Urban life offers culture, convenience, and character — whether you’re in cosmopolitan Lisbon, artistic Porto, or smaller cities like Coimbra and Braga. Each region has its own unique rhythm, from coastal charm to historic heritage and tech innovation.

Culinary Delights

The food culture celebrates simplicity, seasonality, and flavour. From fresh seafood to regional wines, artisan cheeses, and iconic pastries like pastéis de nata, eating well is part of daily life. Dining out is affordable, and local markets are central to many communities.

Codfish is one of the most iconic ingredients in Portuguese gastronomy
Portuguese bacalhau (codfish), a traditional dish central to national cuisine

Strong Expat Community

With a growing and diverse expat population, it’s easy to find support networks, language exchanges, and international schools across the country. This sense of community makes it easier to adapt, integrate, and access local services with confidence.

Education and Learning Opportunities

Portugal offers a mix of public and private education, including international schools in major cities. Top universities such as those in Lisbon and Porto attract students from around the world. Language schools and cultural programs also help newcomers integrate more easily.

Active Lifestyle and Outdoor Activities

Thanks to the climate and natural surroundings, staying active is simple and enjoyable. Surfing, cycling, yoga, golf, sailing, and hiking are widely accessible. Wellness also plays a role, with spas, retreats, and health-conscious communities found throughout the country.

Rich History and Heritage

The country’s long and layered history is visible in everyday life — from medieval castles and maritime museums to traditional festivals and cobblestone streets. Living here means being surrounded by culture that’s both authentic and deeply rooted.

Lisbon’s historic Praça do Comércio along the Tagus River
Lisbon’s historic Praça do Comércio along the Tagus River

Investment Potential

Portugal offers attractive opportunities in both real estate and business, supported by residency pathways and a generally competitive tax framework. The property market has shown resilience and steady growth, particularly in sought-after urban and coastal regions. With a stable political and economic environment, Portugal continues to attract international investors seeking both lifestyle and financial advantages.

Investors can find opportunities in residential, commercial, and tourism-related properties, benefiting from the country’s growing appeal as a destination for relocation, business, and retirement. Until the end of 2023, the Non-Habitual Resident (NHR) regime further enhanced Portugal’s attractiveness by offering favorable tax conditions, particularly for those with foreign income. Although now closed to new applicants, individuals who obtained NHR before 2024 may continue to benefit for the remainder of their term. A successor program, the Tax Incentive for Scientific Research and Innovation (IFICI), is available from 2024 but applies only to highly qualified professionals and does not extend to pensions.


Visas and Residency in Portugal

Portugal offers a range of visa options designed to attract new residents — from retirees and remote workers to entrepreneurs and investors. Understanding the available pathways is essential to choose the one that best matches your profile and plans. Below, we outline some of the residency options, though other pathways may also be available depending on your specific circumstances.

D7 Visa (Passive Income)

The D7 visa is ideal for individuals with stable passive income, such as pensions, dividends, rental income, or investments. This visa allows non-EU citizens to obtain residency in Portugal while proving they can support themselves financially.

Applicants must show regular income that meets the minimum thresholds, hold valid health insurance, and establish a residence in Portugal. The D7 is especially popular among retirees and financially independent individuals seeking long-term residency and access to public services.

D2 Visa (Entrepreneur)

The D2 visa is tailored for entrepreneurs, freelancers, and independent service providers who wish to open or relocate a business to Portugal. Applicants must demonstrate a viable business plan and show that the business can contribute to the local economy.

The process includes company registration, a Portuguese bank account, and initial capital investment (though there’s no official minimum). The D2 visa can lead to permanent residency and even citizenship after five years.

Digital Nomad Visa

Launched in 2022, the Digital Nomad Visa allows remote workers and freelancers to live in Portugal while working for companies or clients outside the country. Applicants must prove a monthly income of at least four times the Portuguese minimum wage.

This visa can be issued for temporary stay (up to one year) or as a residence visa for longer periods, offering a flexible and legal way to live and work remotely from Portugal.

Residency Permits and NIF Tax Number

After arriving in Portugal, you’ll need to apply for a residency permit through AIMA (Agência para a Integração, Migrações e Asilo), the government authority responsible for immigration and residence matters. This document grants legal residence status and access to national services.

You’ll also need a NIF (Número de Identificação Fiscal) — a tax identification number required for renting property, opening a bank account, signing contracts, and other daily activities. The NIF can be obtained at a Portuguese tax office or with the assistance of a legal representative.

Healthcare and Social Security Registration

Once you’re a legal resident, you can register with the national healthcare system (SNS). This allows access to public healthcare services, including local health centres and hospitals.

Residents may also choose to contribute to social security, particularly if they’re working or running a business in Portugal. Contributions provide access to pensions, unemployment benefits, and other public protections.


Where to Live in Portugal?

Portugal offers a wide range of locations for different lifestyles — from cosmopolitan cities to beach towns, mountain villages, and island communities. Choosing where to live depends on your goals, preferences, and budget. Here’s an overview of the most popular regions among expats and new residents.

Lisbon Metropolitan Area

View of a traditional Lisbon neighborhood with whitewashed houses and red tile roofs
View of a traditional Lisbon neighborhood with whitewashed houses and red tile roofs

Lisbon

Portugal’s capital is vibrant, international, and full of contrasts — historic neighbourhoods sit next to modern business hubs. Lisbon offers strong infrastructure, excellent public transport, and a growing tech and startup scene. It’s ideal for professionals, entrepreneurs, and families who want an urban lifestyle with access to culture, education, and services.

Cascais

Located just 30 minutes from Lisbon, Cascais is a coastal town known for its high quality of life. It combines beaches, golf courses, international schools, and a large expat community. It’s a popular choice for families and remote workers looking for space and sea views without giving up city access.

View of Cascais and its beach on the Portuguese coast
View of Cascais and its beach on the Portuguese coast

Estoril

Next to Cascais, Estoril offers a similar lifestyle but with a more residential feel. Known for its casino, promenade, and quiet atmosphere, Estoril is well suited for retirees or those looking for a more relaxed pace of life.

Sintra

Set in the hills above Lisbon, Sintra is a UNESCO-listed town known for its palaces and natural beauty. It’s a good choice for those who want to be close to Lisbon but live in a more peaceful, green environment. Property here includes historic homes and modern villas.

Historic National Palace of Sintra with its iconic twin chimneys
Historic National Palace of Sintra with its iconic twin chimneys

Ericeira

Ericeira is a surf town just north of Lisbon, known for its laid-back vibe and growing digital nomad scene. With coworking spaces, fast internet, and a strong sense of community, it has become a hotspot for remote workers and young families. It also offers quick access to Lisbon.

Surfer catching waves at one of Ericeira’s famous surf beaches in Portugal
Surfer catching waves at one of Ericeira’s famous surf beaches in Portugal

Porto and Northern Portugal

Traditional rabelo boats on the Douro River with the city of Porto in the background
Traditional rabelo boats on the Douro River with the city of Porto in the background

Porto

Portugal’s second-largest city is rich in culture and increasingly international. Known for its architecture, wine, and creative industries, Porto has become popular among digital nomads and younger families. The cost of living is lower than Lisbon, and the city offers a balance between tradition and modern living.

Algarve

The Algarve is Portugal’s southernmost region, famous for its beaches, golf resorts, and relaxed atmosphere. It’s a top destination for retirees and holiday-home buyers, but it’s also increasingly appealing to digital nomads and entrepreneurs thanks to improved infrastructure and international services.

Popular towns include Lagos, Tavira, Albufeira, and Faro — each with a different character and pace. The region offers English-speaking services, international schools, and a strong expat network.

View of Carvoeiro village with whitewashed houses and its beach in the Algarve
View of Carvoeiro village with whitewashed houses and its beach in the Algarve

Silver Coast

Stretching north of Lisbon to Coimbra, the Silver Coast offers a quieter, more affordable alternative to the Algarve. Towns like Nazaré, Caldas da Rainha, and Óbidos combine coastal charm with lower property prices. The region is ideal for those looking to avoid tourist crowds while staying within reach of major cities.

View of the seaside town of Nazaré with its wide beach
View of the seaside town of Nazaré with its wide beach

Alentejo

Comporta

Located south of Lisbon, Comporta is a luxury destination with a rural and minimalist aesthetic. It’s known for its exclusivity, natural surroundings, and boutique real estate market. A good fit for those seeking privacy, design, and investment potential.

Comporta is a coastal escape where design, nature, and simplicity define modern living
Comporta is a coastal escape where design, nature, and simplicity define modern living

Madeira

An autonomous island region in the Atlantic, Madeira offers year-round mild weather and lush landscapes. It’s becoming a digital nomad hub, especially around Funchal, which has good infrastructure, coworking spaces, and community support. The cost of living is lower than mainland urban centres.

Coastal landscape at Ponta de São Lourenço on Madeira Island
Coastal landscape at Ponta de São Lourenço on Madeira Island

Azores

The Azores are a group of volcanic islands offering nature, space, and tranquillity. Although more remote, they attract those seeking a slower pace of life, self-sufficiency, and eco-conscious living. Ideal for remote workers or retirees who prioritise nature and simplicity.

View of the city of Horta on Faial Island in the Azores
View of the city of Horta on Faial Island in the Azores

Alternative Regions and Interior Areas

For those considering a different path, Portugal’s interior and less explored regions provide attractive alternatives, with affordable properties, relaxed living, and access to traditional Portuguese culture.


Buying vs. Renting Property

When relocating to Portugal, one of the key decisions is whether to buy or rent a property. Each option has advantages, depending on your long-term plans, budget, and lifestyle preferences.

Pros and Cons of Buying vs. Renting

Buying Property – Pros

  • Long-term investment: Portugal’s real estate market has shown consistent growth, especially in urban and coastal areas.
  • Residency benefits: Property ownership can provide access to various residency options, depending on your circumstances.
  • Stability: Owning gives you a permanent base, without the risk of rising rents or contract renewals.
  • Value for money: In some regions, monthly mortgage payments can be similar to or lower than rent.

Buying Property – Cons

  • Upfront costs: You’ll need to pay taxes, legal fees, and possibly renovation costs.
  • Bureaucracy: Property purchases involve paperwork, official translations, and legal checks.
  • Less flexibility: Selling or renting out a property takes time and might be affected by market conditions.

Renting Property – Pros

  • Flexibility: Renting allows you to explore different regions before committing long-term.
  • Lower upfront cost: Only a security deposit and one or two months’ rent are usually required.
  • Faster move-in: The process is quicker and doesn’t involve as much legal complexity.
  • Ideal for short-term stays or remote workers testing the waters.

Renting Property – Cons

  • Rental competition: Especially in Lisbon, Porto, and the Algarve, demand is high and prices are rising.
  • Less control: Landlords may not allow major changes, and contracts can have limitations.
  • Annual increases: Rent prices can be updated annually, and long-term leases can be harder to negotiate.

Housing Market Trends

Portugal’s property market has been resilient in recent years, driven by foreign investment, limited supply in key areas, and lifestyle demand. Lisbon and Porto remain strong markets, with steady growth in prices per square meter.

Coastal regions like the Algarve and Silver Coast are also seeing increased interest, particularly among international buyers. While urban centres are more expensive, rural and inland areas offer lower prices and good opportunities for those willing to explore.

Costs by Region

  • Lisbon and Cascais: Higher purchase and rental prices, particularly in central areas.
  • Porto: Slightly more affordable than Lisbon, with strong investment potential.
  • Algarve: Varied pricing — premium in coastal resorts, more accessible inland.
  • Silver Coast & Central Portugal: Lower costs, quieter lifestyle, good for families and retirees.
  • Madeira & Azores: Lower average prices but limited inventory and higher transport costs.

Keep in mind that property prices can vary greatly depending on location, property type, and condition.

Real Estate Process and Documentation

If you decide to buy property in Portugal, here are the key steps:

  • Get a NIF (Portuguese tax number) — mandatory for any legal transaction.
  • Hire a lawyer or property advisor — especially important for non-Portuguese speakers.
  • Conduct due diligence — ensure the property is free of debts or legal issues.
  • Sign the promissory contract (Contrato de Promessa de Compra e Venda) — usually includes a 10% deposit.
  • Finalize the deed (Escritura) — signed at a notary, this is the official transfer of ownership.
  • Register the property — at the local land registry (Conservatória do Registo Predial).

You’ll also need to budget for IMT (property transfer tax), stamp duty, and legal/notary fees.

Utilities and Services Setup

Once you’ve rented or bought your home, you’ll need to set up utilities like electricity, water, gas, internet, and waste collection. In urban areas, these services are easy to arrange, often with digital support or local agencies. It’s helpful to have a Portuguese bank account and NIF for direct debit payments and contracts.


Financial Considerations

Planning your move to Portugal involves more than choosing a location or property. Understanding the financial landscape — from everyday costs to banking, taxes, and long-term investment planning — is key to a smooth transition.

Cost of Living Breakdown

Portugal offers a relatively low cost of living compared to other Western European countries. However, expenses vary significantly depending on region and lifestyle.

Here’s a general overview (monthly estimates for a couple or small family):

  • Rent: €800–€2,500 (depending on city and property type)
  • Utilities (electricity, water, gas): €100–€200
  • Groceries: €300–€600
  • Transportation: €40–€100 (public transport)
  • Dining out & leisure: €150–€400
  • Health insurance (private): €50–€150 per person

While Lisbon and the Algarve are more expensive, smaller cities and inland regions offer lower living costs without compromising quality of life.

Banking for Expats

Opening a Portuguese bank account is recommended for daily transactions, receiving income, paying utilities, and signing rental contracts. Most banks offer English-speaking services and digital banking apps.

To open an account, you’ll typically need:

  • A valid passport or ID
  • NIF (Portuguese tax number)
  • Proof of address (can be temporary)
  • Proof of income or employment (optional but helpful)

You can choose between traditional banks (Millennium BCP, Santander, Caixa Geral) or digital-friendly options like ActivoBank or Revolut (which offers a local IBAN).

Tax Implications

Tax residency in Portugal is determined by spending more than 183 days per year in the country or by having a primary residence here. As a resident, you are generally taxed on worldwide income, although planning options and international tax treaties may reduce exposure to double taxation.

Former NHR Regime
Until the end of 2023, Portugal offered the Non-Habitual Resident (NHR) program, which granted significant tax benefits for a period of 10 years. These included a flat tax on foreign pensions, exemptions or reduced rates on certain foreign income, and a 20% flat rate on eligible Portuguese-sourced employment or self-employment income. While closed to new applicants, individuals who obtained NHR status before 2024 may continue to benefit for the remainder of their term.

Current IFICI Regime
Since January 2024, a successor framework known as the Tax Incentive for Scientific Research and Innovation (IFICI) has been in place. It is more limited in scope, applying only to highly qualified professionals in designated fields. It provides a 20% flat tax rate on eligible Portuguese-sourced income for up to 10 years, but does not extend to pensions.

Because tax rules depend on your residency status, income sources, and international obligations, seeking qualified professional advice is strongly recommended — particularly if you have income or assets abroad.

Investment Opportunities

Portugal is considered a stable environment for medium- and long-term investment. Key sectors include:

Real estate: Both residential and commercial property markets continue to show resilience and growth.

Tourism and hospitality: Especially in Lisbon, Porto, and the Algarve.

Tech and innovation: Startup and digital ecosystems are expanding, supported by EU funds and local initiatives.

Agriculture and renewable energy: Niche markets with attractive long-term potential.

Foreign investors may also benefit from various residency options linked to investments, providing opportunities for those seeking to establish a presence in Portugal.

Pension and Retirement Planning

Portugal is a popular destination for retirees, combining quality healthcare, a favorable climate, and a lifestyle that supports long-term retirement planning.

Foreign pensions are generally taxable in Portugal. Until the end of 2023, the Non-Habitual Resident (NHR) regime allowed certain retirees to benefit from reduced taxation on foreign pension income for up to 10 years. This program is now closed to new applicants, though individuals who obtained NHR status before 2024 may continue to benefit for the remainder of their term. The new Tax Incentive for Scientific Research and Innovation (IFICI), introduced in 2024, does not extend to pensions.

If you plan to transfer retirement funds or receive payments from a foreign pension provider, it is advisable to:

  • Understand local tax treatment

  • Review applicable double taxation agreements

  • Consider currency exchange strategies and financial services that minimize fees


Finding a Job in Portugal

Whether you’re planning to relocate permanently or stay for a few years, understanding Portugal’s job market is key. While some sectors are competitive, there are growing opportunities — especially for those with international experience, language skills, or digital expertise.

Job Market Overview

Portugal’s economy has diversified in recent years, moving beyond tourism and construction to include technology, renewable energy, customer service, and healthcare. The job market is stronger in Lisbon and Porto, but emerging regional hubs are gaining momentum.

English is widely spoken in many workplaces, especially in international companies, but speaking Portuguese can expand your options and help with integration.

Best Industries and Hiring Trends

Sectors currently hiring international talent include:

Technology & IT: Software development, cybersecurity, data science, and UX/UI design

Customer Support & Shared Services: Many multinational companies run support centres in Lisbon, Porto, and Braga

Tourism & Hospitality: Especially seasonal roles in hotels, restaurants, and tour operations

Education: English teaching positions, especially in international schools or private institutions

Healthcare & Nursing: Portugal is actively recruiting foreign professionals in the health sector

Green energy & sustainability: A growing priority area, supported by EU investment

Remote work is also on the rise, with Portugal being a preferred base for freelancers and digital professionals.

The tech industry in Portugal offers growing career opportunities
The tech industry in Portugal offers growing career opportunities

Work Visas and Permits

Non-EU citizens must secure a work visa or residence permit tied to employment. Common options include:

Employment visa: Requires a job offer from a Portuguese company and labour market approval

D2 Visa: For independent professionals and entrepreneurs

Tech Visa: A streamlined process for tech workers joining certified companies

Digital Nomad Visa: For remote workers employed or contracted by foreign entities

EU/EEA citizens don’t need a visa but must register with local authorities after arriving.

Salary Expectations

Wages in Portugal tend to be lower than in Northern and Western Europe. The national minimum wage in 2025 is €870 per month (gross). Average gross monthly salaries vary by sector and location, typically falling between €1,100 and €2,500. Higher salaries are common in sectors such as IT, finance, and engineering, while tourism and retail tend to pay less. Many expats supplement their income through freelance work or international contracts.

While the cost of living is comparatively lower, it’s important to assess total compensation — including benefits like meal vouchers, transportation subsidies, health insurance, and remote work flexibility.


Starting a Business and Remote Work in Portugal

Portugal has become an attractive destination for entrepreneurs, freelancers, and remote workers thanks to its lifestyle, cost advantages, and growing startup ecosystem. Whether you’re launching a business or working remotely, the country offers a favourable environment for independent professionals.

Steps to Open a Business

Starting a business in Portugal is relatively straightforward, especially with digital tools now available for company setup. Here are the main steps:

  1. Obtain a NIF (tax number)
    Required for all legal and financial transactions.
  2. Choose a legal structure
    Most expats opt for a Sole Proprietorship (Empresário em Nome Individual) or a Private Limited Company (Sociedade por Quotas).
  3. Open a business bank account
    Needed to deposit share capital and manage transactions.
  4. Register the company
    This can be done online through the government portal (Empresa na Hora) or via a lawyer/accountant.
  5. Register for Social Security and VAT (if applicable)
    Compulsory if you generate income through business activity in Portugal.
  6. Hire a local accountant
    It’s highly recommended — tax and reporting obligations can be complex, especially for non-residents.

Portugal also offers startup support programs, incubators, and EU funding opportunities for innovation and sustainability-related projects.

Remote Work Laws and Coworking Spaces

Remote work is widely accepted and growing in Portugal. The country has introduced legal frameworks to support remote workers, including a specific Digital Nomad Visa, and updated labour laws that clarify work-from-home rights and employer responsibilities.

Key points:

  • Freelancers and contractors can legally invoice clients abroad while living in Portugal.
  • You must register your activity (as a sole trader or company) for tax purposes.
  • Social security contributions are required unless you qualify for an exemption under international agreements.

Coworking spaces are available in all major cities and many smaller towns. These hubs offer not only internet and infrastructure, but also networking events, language exchanges, and a sense of community.

Best Locations for Digital Nomads

Portugal is considered one of the top destinations in the world for digital nomads. Key locations include:

Lisbon: Offers fast internet, a vibrant international scene, and strong infrastructure.

Porto: Slightly more affordable, with a creative vibe and excellent food culture.

Ericeira: Known for surf, community spirit, and a growing remote worker scene.

Madeira: Offers a dedicated digital nomad village with incentives and support.

Lagos (Algarve): Combines great weather, beach lifestyle, and expat-friendly amenities.

Portugal is a popular choice for digital nomads
Portugal is a popular choice for digital nomads

Portugal’s time zone (GMT/WET), low cost of living, and visa options make it a strategic base for those working with clients in Europe, the US, or Africa.


Healthcare System

Portugal provides access to both public and private healthcare services, with a strong emphasis on universal care. The system is generally efficient, affordable, and well-regarded by residents and expats alike.

Public vs. Private Healthcare

Public healthcare is managed by the Serviço Nacional de Saúde (SNS) and is available to all legal residents. It covers general medical care, hospital treatment, maternity services, and emergency care, with very modest co-payments depending on the service.

Private healthcare offers shorter waiting times, wider specialist availability, and more flexibility in scheduling. Many expats choose private insurance to complement public coverage, especially for non-urgent or elective procedures.

Private hospitals and clinics are available in all major cities and are often equipped with modern facilities and English-speaking staff.

Insurance Requirements

If you’re a resident in Portugal, you can access the public system once registered. However, many expats — particularly those on the D7 Visa — opt for private health insurance, especially during the first months of residence or while waiting for SNS registration.

Private health insurance costs vary depending on age and coverage but typically range between €50 and €100 per month for basic plans. Providers include Médis, Multicare, Allianz, and international insurers like Cigna or Bupa.

For visa applications (such as D7 or Digital Nomad visas), proof of valid health insurance is a mandatory requirement.

Registration Process

To access the public healthcare system, you must:

  1. Be a legal resident with a valid residence permit.
  2. Register at your local health centre (Centro de Saúde) using your residence certificate, NIF, and proof of address.
  3. Obtain your SNS number, which identifies you in the system and gives access to subsidised services.

Once registered, you can book appointments with general practitioners (GPs), receive vaccinations, request prescriptions, and be referred to specialists.

Emergency Services

Portugal has a well-organised emergency system. In case of a medical emergency, dial 112 — the national emergency number for ambulance, police, and fire services.

Most hospitals have 24-hour emergency departments (Urgência), and treatment is available regardless of insurance status or nationality. In critical situations, public hospitals are the first point of care.

Pharmacies (Farmácias) are widely available, with many offering extended hours or 24/7 service in larger towns. Pharmacists are well-trained and can assist with minor ailments or provide referrals.


Education and Schools

Portugal offers a range of educational options for families relocating with children or for individuals pursuing higher education. From public schools to international institutions and universities, the country has a solid reputation for quality learning in a safe and structured environment.

Public vs. Private Schools

Public schools in Portugal are free for residents and provide education from preschool through secondary level. The curriculum is nationally standardised and delivered in Portuguese. While academic standards are generally high, families who do not speak Portuguese may find integration more challenging at the start.

Private schools, on the other hand, offer smaller class sizes, more flexibility in curriculum, and often bilingual or international programs. Fees vary widely depending on location and school reputation, but many offer structured support for non-Portuguese-speaking students.

International Schools

International schools are widely available, especially in Lisbon, Cascais, Sintra, Porto, and the Algarve. These schools typically follow the British, American, French, or International Baccalaureate (IB) curricula, and are popular among expat families.

Notable international schools include:

  • Carlucci American International School of Lisbon (CAISL)
  • St. Julian’s School (British curriculum, Cascais)
  • Oeiras International School (IB)
  • The British School of Lisbon and Porto
  • International School of the Algarve
  • Deutsche Schule Lissabon (German curriculum)

Annual fees range from €6,000 to €20,000+, depending on the school, grade level, and services offered.

Higher Education and Universities

Portugal’s universities attract both local and international students. The most recognised institutions include:

  • University of Lisbon
  • University of Porto
  • NOVA University Lisbon
  • University of Coimbra
  • Católica Lisbon School of Business and Economics

Most undergraduate courses are taught in Portuguese, but master’s and PhD programs increasingly offer English-taught tracks, especially in business, science, and technology fields.

Tuition fees for public universities are relatively affordable, typically between €1,000 and €3,000 per year, while private institutions may charge more.

Language Learning Options

For non-Portuguese speakers, learning the language can significantly ease integration. Options include:

  • Government-supported language courses for immigrants (Português para Todos)
  • Private language schools in most cities (e.g., CIAL, Lusa Language School)
  • Online learning platforms and tutoring apps
  • Community courses offered by local municipalities

While many locals — especially younger generations — speak English, knowing Portuguese opens doors in daily life, education, and employment.


Living in Portugal: What to Expect

Once you’ve settled the legal and logistical side of your move, the real experience begins — adapting to life in a new country. Portugal offers a comfortable, safe, and welcoming environment, but it’s helpful to know what to expect in your day-to-day routines.

Tasting Portugal’s famous custard tarts with friends
Tasting Portugal’s famous custard tarts with friends

Banking and Finances

Portuguese banking is modern and relatively easy to navigate. Most major banks offer online and mobile banking services, and you can expect contactless payments, SEPA transfers, and access to international cards.

To manage your finances, you’ll likely need:

  • A Portuguese bank account for salary, rent, and bill payments
  • A Multibanco card, widely accepted for in-store purchases and services
  • Access to online portals for taxes, invoices, and social contributions

Bills are often paid via Multibanco, direct debit, or online banking. Keep in mind that bureaucratic processes may be slower than what some newcomers are used to.

Transportation Options

Portugal offers a range of transport options depending on where you live:

  • Urban areas like Lisbon and Porto have extensive metro, tram, and bus networks
  • Trains connect major cities and regional towns
  • Long-distance buses are reliable and affordable (Rede Expressos, FlixBus)
  • Taxis and ride-sharing apps like Bolt and Uber are widely available

In smaller towns and rural areas, having a car is more convenient due to limited public transport coverage.

Shopping and Groceries

Supermarkets are well stocked, and local markets are common — especially for fresh produce, fish, and bread. Major chains include Continente, Pingo Doce, Lidl, and Auchan. Most areas also have small independent grocers and specialty shops.

Shopping hours are generally Monday to Saturday, with some larger stores open on Sundays. Prices are reasonable, and local, seasonal produce is widely available and affordable.

Internet and Mobile Services

Portugal has reliable, high-speed internet across most regions. Fibre connections are standard in urban areas, and mobile coverage is extensive.

Key providers include:

  • MEO
  • NOS
  • Vodafone

Expect to pay between €25 and €60/month for internet and TV bundles. Mobile SIM cards are easy to obtain and can be prepaid or part of a contract.

Cultural Integration and Etiquette

Portuguese people are friendly, respectful, and welcoming to foreigners. Social interactions are polite and formal at first, becoming more relaxed over time.

Tips for smoother integration:

  • Learn basic Portuguese — even simple greetings go a long way
  • Be patient with bureaucracy and slower response times
  • Participate in local events, markets, and community initiatives
  • Understand that punctuality is flexible in informal settings

The lifestyle is laid-back, with a strong emphasis on food, family, and socialising. Mealtimes are later than in some countries, and lunch breaks can still be long — especially outside urban centres.

Friends enjoying a boat ride on the Tagus River in Lisbon
Friends enjoying a boat ride on the Tagus River in Lisbon

Challenges and Downsides of Moving to Portugal

While Portugal offers a high quality of life, like any relocation destination, it comes with challenges. Being aware of these from the start can help you manage expectations and prepare more effectively.

Bureaucracy Delays

Administrative processes in Portugal can be slow and require multiple steps. Tasks such as registering residency, opening a business, or getting a driver’s license often involve some wait times, in-person appointments, and inconsistent information.

To manage this:

  • Book appointments early, especially with AIMA (for residency matters) or local councils
  • Work with experienced local professionals (lawyers, relocation agents)
  • Be patient and follow up regularly — persistence often pays off

Housing Market Competition

In high-demand areas like Lisbon, Porto, and the Algarve, competition for rentals is intense. Good properties can be rented within hours, and prices have risen significantly in recent years.

Challenges include:

  • Short supply of long-term rentals, especially furnished ones
  • Landlords prioritising seasonal or tourist lets
  • Need to act quickly when viewing properties

It’s helpful to visit in person, work with a trusted real estate agent, and be flexible on location or features.

Job Market Limitations

While there are opportunities in tech, tourism, and remote work, the job market can be limited for foreigners — especially if you don’t speak Portuguese.

Potential difficulties:

  • Lower average salaries than in Northern Europe or North America
  • Preference for local candidates in some industries
  • Limited roles outside of major urban areas

Many expats choose to freelance, work remotely, or start their own business to overcome these constraints.

Language Barriers

Although English is widely spoken in larger cities and among younger generations, most government services, healthcare providers, and small businesses operate primarily in Portuguese.

You may encounter:

  • Forms and documents only available in Portuguese
  • Limited English-speaking staff in local institutions
  • Misunderstandings or delays without language support

Learning basic Portuguese will significantly improve your experience and access to services.

Public Healthcare Wait Times

The public healthcare system offers good coverage, but it is under pressure. In some areas, you may face long waits for non-urgent appointments or specialist consultations.

To mitigate this:

  • Use private health insurance for faster access
  • Register early with your local health centre
  • Know the closest emergency facility in your area

Tax Complexities for Expats

Navigating Portugal’s tax system can be challenging, particularly if you have income, investments, or property in multiple countries. Professional advice and careful planning are essential to ensure compliance and avoid unexpected liabilities.

Consider:

  • Working with a tax advisor experienced in cross-border taxation

  • Understanding reporting obligations in both Portugal and your home country

  • Staying proactive about deadlines and documentation


Moving Process and Logistics

Moving to Portugal involves careful planning and organization to ensure a successful transition. From preparing your belongings to handling the necessary paperwork, understanding the logistics of relocating is essential.

In this section, we’ll guide you through the key steps involved in your move, covering everything from essential documents and shipping requirements to pet relocation and vehicle importation.

Whether you’re moving for work, retirement, or simply starting a new chapter, this comprehensive guide will help you navigate the practical aspects of settling in Portugal with confidence.

Aerial perspective of Lagos, Algarve, showing coastline and urban landscape
Aerial perspective of Lagos, Algarve, showing coastline and urban landscape

Pre-Move Checklist

Before making the move, organize the following steps:

  • Research visa requirements and start the application process early
  • Secure accommodation (temporary or long-term)
  • Apply for a NIF (Portuguese tax number)
  • Open a local bank account (if possible, remotely)
  • Arrange private health insurance (required for visa applications)
  • Translate and certify key documents (e.g. birth, marriage, academic)
  • Notify relevant institutions in your home country (tax, banks, schools)
  • Plan the shipping or downsizing of your belongings
  • Set up a reliable communication plan (SIM card, internet access)

A relocation agent or legal advisor can greatly reduce friction in this stage.

Required Documents

The core documents you may need include:

  • Valid passport (with at least 6 months before expiration)
  • Visa approval or residence permit (if applicable)
  • Proof of income or employment
  • Rental or property contract in Portugal
  • Health insurance policy
  • NIF number
  • Marriage/birth certificates (if relocating with family)
  • School transcripts or diplomas (if enrolling children or continuing studies)

Keep both physical and digital copies, and bring official translations where necessary.

Shipping and Customs

Portugal is part of the EU customs zone, and shipping household goods is relatively straightforward — but planning is key.

  • EU citizens: Can move personal goods freely within the EU
  • Non-EU citizens: May qualify for import exemptions when relocating under residency

Plan with a certified international mover familiar with Portugal. Your belongings may be shipped via container (sea freight) or air freight, depending on urgency and budget.

Make a detailed inventory of your items, and be prepared for customs inspection if shipping from outside the EU.

Pet Relocation

Portugal is pet-friendly, and bringing your pet is possible with the right preparation.

You’ll need:

  • Microchip (ISO compliant)
  • Up-to-date vaccinations (including rabies)
  • EU pet passport or official veterinary certificate
  • Tapeworm treatment (for dogs, depending on origin country)

Quarantine is not required if documentation is in order. Some airlines allow cabin travel for small pets, while others require cargo transport — so plan carefully.

Vehicle Importation

Bringing your own car to Portugal is possible but comes with paperwork and possible taxes.

  • EU vehicles: Easier process, but still require registration and inspection
  • Non-EU vehicles: May incur ISV (Vehicle Tax), unless you qualify for exemption under relocation terms

Required steps:

  • Obtain a Portuguese Tax Number (NIF)
  • Schedule a vehicle inspection (IPO – “Inspeção Periódica Obrigatória”)
  • Submit documents to the customs office (Declaração Aduaneira de Veículo)
  • Pay applicable taxes or request exemption
  • Register the car and obtain Portuguese plates

Driving and Transportation in Portugal

Portugal offers a mix of reliable public transport in cities and scenic driving routes across the country. Whether you plan to rely on trains and buses or prefer the freedom of having your own car, understanding local rules and infrastructure is essential.

Public Transport Options

Major cities like Lisbon, Porto, and Coimbra have efficient public transport systems that include:

  • Metro systems (Lisbon and Porto)
  • Urban buses and trams
  • Commuter trains and regional rail services
  • Long-distance coaches connecting cities and towns (e.g., Rede Expressos, FlixBus)

Public transport is affordable and reliable. Monthly passes (passe navegante, and equivalent regional options) can significantly reduce costs for frequent users.

In rural areas, transport is more limited, and schedules can be sparse — having a car becomes much more convenient.

Converting a Foreign Driver’s License

If you plan to drive in Portugal, you’ll need to understand the rules around foreign licenses:

  • EU/EEA Citizens:
    Can drive with their existing license but must register it with IMT (Instituto da Mobilidade e dos Transportes) within 60 days of becoming a resident.
  • Non-EU Citizens:
    Can use their foreign license for up to 185 days after officially becoming a resident. After that, they must either:
    • Exchange their license for a Portuguese one (if a reciprocal agreement exists), or
    • Pass a Portuguese driving test (theory and practical), if an exchange is not possible.

You’ll need your NIF, proof of residency, medical certificate, and sometimes a psychological evaluation, depending on your age and country of origin.

Buying or Renting a Car

If you’re staying long term or living outside major cities, owning a car can be practical.

  • Buying a car:
    New and used vehicles are available through dealerships and private sales. Be prepared for higher vehicle taxes (ISV) and ensure insurance and inspections are in order.
  • Renting a car:
    Easy to do through international or local companies. Short-term rentals are convenient for travel, while long-term leasing options are available for residents.

Remember:

  • Portugal drives on the right-hand side
  • Roads are generally in good condition, but rural routes can be narrow
  • Tolls apply on many motorways (can be paid via electronic pass or online)
  • Parking in cities can be limited and regulated by zones

Expat Communities and Support

Moving to a new country is easier when you’re part of a supportive network. Portugal has a strong and growing expat community spread across the country — offering both social connection and practical advice for newcomers.

Best Expat Communities

Several regions in Portugal have become popular among international residents due to lifestyle, language support, and services. These include:

  • Lisbon and Cascais: Large, diverse international community with many professionals, remote workers, and families.
  • Porto: Increasingly popular with creatives, entrepreneurs, and younger expats.
  • Algarve: One of the most established expat areas, particularly among retirees from the UK, US, Germany, and the Netherlands.
  • Silver Coast: A more affordable and quieter alternative, with strong North American and Northern European expat presence.
  • Madeira: A rising digital nomad destination with organised community programs and coworking hubs.

Each of these areas has developed services, events, and informal groups that make integration smoother.

Networking Groups and Events

Joining networking groups is a great way to meet people, share resources, and integrate more quickly. Popular types of events include:

  • Meetups for remote workers and entrepreneurs
  • Language exchanges and cultural events
  • Family-focused groups and parent networks
  • Industry-specific gatherings in tech, education, and sustainability

Platforms like Meetup.com, Internations, and local Facebook groups list upcoming events and allow you to connect with others in similar situations.

Some municipalities and local chambers of commerce also organise integration sessions and community events for foreign residents.

Online Forums and Support

Online resources are invaluable when preparing your move or dealing with everyday questions.

Useful platforms include:

  • Facebook groups like “Expats in Portugal,” “Americans & Canadians in Portugal,” “Digital Nomads Portugal”
  • Reddit communities such as r/Portugal and r/expats
  • Expat forums (Expat.com, International Living)
  • Relocation websites and blogs with firsthand insights and legal advice

These forums can help with anything from finding a doctor or rental agent to navigating immigration processes or discovering the best schools.


Emergency Contacts and Essential Services

Knowing who to contact in case of emergency or urgent need is an important part of settling into life in Portugal. Here’s an overview of the key services and contacts every expat should be familiar with.

Hospitals and Pharmacies

Hospitals (Hospitais)
Public hospitals are available in all regions and provide emergency and general medical care. Larger cities have university hospitals and specialist services. You can go directly to the emergency room (Urgência) in serious situations — no prior appointment is needed.

Examples of major hospitals:

  • Hospital de Santa Maria (Lisbon)
  • Hospital São João (Porto)
  • Hospital de Faro (Algarve)
  • Hospital Dr. Nélio Mendonça (Funchal, Madeira)

Pharmacies (Farmácias)
Pharmacies are widely available and well stocked. Look for the green cross symbol. Most open during regular business hours, and a rotating system ensures at least one 24-hour pharmacy is available in each area.

Pharmacists can provide advice on minor health issues and over-the-counter medication, and many speak English.

Embassies and Legal Services

Embassies and Consulates
Your home country’s embassy or consulate can assist with passport issues, legal matters, and emergency support. Most are located in Lisbon, with consular offices in Porto and the Algarve.

Services may include:

  • Document authentication
  • Visa and citizenship matters
  • Assistance in case of arrest, medical emergency, or death abroad

Always register with your embassy after moving — it helps in case of emergency.

Legal Services

Legal advice is strongly recommended for matters like property purchase, tax planning, residency permits, and business setup.

  • You can find:
    English-speaking lawyers (advogados) in most major cities
  • International law firms with experience in immigration and investment
  • Legal aid through local bar associations for basic support

Our team can also connect you with trusted legal professionals through our network of experienced partners.


Conclusion

Moving to Portugal is more than a change of address — it’s a shift in lifestyle, priorities, and opportunity. With its blend of natural beauty, cultural depth, modern infrastructure, and welcoming communities, Portugal continues to attract individuals and families looking for quality of life and long-term security.

Whether you’re relocating for retirement, remote work, business, or a fresh start, understanding the practical aspects — from visas and property to healthcare and cultural integration — makes all the difference. The process can be complex at times, but with the right preparation and support, it’s entirely manageable.

Enjoying the view in Porto at sunset
Enjoying the view in Porto at sunset

We hope this guide has helped clarify your next steps and given you the confidence to explore life in Portugal. If you’re ready to begin your journey, or if you need tailored assistance, our team is here to help.

Thinking about your next move? Get in touch — and let’s make Portugal your new home.

Frequently Asked Questions

How can I determine if Portugal is the right place for me to move?

Choosing Portugal as a destination depends on your personal preferences and lifestyle. If you’re seeking a place with affordable living costs, excellent healthcare, a Mediterranean climate, rich culture, and a welcoming atmosphere for expatriates, Portugal is an excellent choice. Consider your work opportunities, lifestyle preferences, and long-term goals to decide if it aligns with your needs.

While many people in Portugal, especially in cities like Lisbon and Porto, speak English, learning Portuguese is highly recommended. It will help you integrate more easily into local life, navigate bureaucratic processes, and connect with locals. Basic Portuguese can make daily activities and interactions more comfortable and enjoyable.

Yes, you can bring your car and personal belongings to Portugal. However, you will need to go through customs and ensure your car complies with Portuguese registration and tax laws. There are specific rules for importing vehicles, and it’s advisable to check the guidelines ahead of time. For personal items, you’ll need to follow customs regulations, including completing the necessary forms.

The main advantage of buying property in Portugal is the relatively low real estate prices compared to other European countries, especially in regions outside Lisbon and Porto. It can be a great investment opportunity. However, the downsides include a competitive market, especially for rental properties in major cities, and the complexity of the legal and documentation process. It’s important to work with a local real estate agent and legal expert.

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Portugal’s public healthcare system, the Serviço Nacional de Saúde (SNS), offers universal coverage, including for expatriates who become residents. You’ll need to register with the SNS and receive a health card. While the public system is of high quality, some expatriates choose private health insurance for quicker access to medical services.

Public schools in Portugal are free and follow the national curriculum, which is taught in Portuguese. Private schools often offer international curricula (e.g., British or American systems) and may provide teaching in English. For expatriates, international schools are a popular choice, but they often come with higher tuition fees.

As an expatriate, you will need to open a Portuguese bank account, which requires a NIF (tax identification number) and proof of address. Most major banks in Portugal offer accounts in English and provide online banking services. Be mindful of banking fees, as they may vary between banks. It’s also essential to understand how Portugal’s tax system works and any implications for your finances.

Yes, Portugal is very supportive of foreign entrepreneurs, and the process of starting a business is relatively straightforward. Depending on your business type, you’ll need to register your company, obtain a NIF, and meet the specific legal requirements for your industry. The Digital Nomad Visa is also an option for remote workers looking to establish a business in Portugal.

The best regions depend on your lifestyle preferences. Lisbon and Porto are popular for their vibrant city life, job opportunities, and cultural offerings. The Algarve offers a more relaxed environment with beautiful beaches and is home to many retirees. The Silver Coast and regions like Alentejo and Madeira are also attractive for those seeking a quieter life. Each area has its own unique charm, so it’s worth visiting different regions before making a decision.

To become a resident, you must first apply for a visa (depending on your nationality and circumstances) and then register at the local town hall (Câmara Municipal) once you arrive. You’ll need to obtain a NIF (tax number), register your address, and apply for health care registration. The process is relatively straightforward but can involve some paperwork, so it’s helpful to have local guidance.

Portugal has a well-developed public transportation system, including buses, trams, and trains, especially in larger cities. Lisbon and Porto are well-connected by metro, making it easy to navigate. Outside the cities, trains and buses are available for travel to other regions. Driving is also an option, but keep in mind the rules around converting foreign driving licenses.

If you’re from the EU or Schengen Area, you can stay in Portugal without a visa for up to 90 days. For non-EU citizens, you can stay as a tourist for 90 days within a 180-day period under the Schengen visa rules. If you plan to stay longer, you will need to apply for the appropriate visa or residency permit.

Yes, there are many resources available to assist with bureaucracy, such as expat groups, relocation services, and online forums. Our team can connect you with trusted partners who specialize in helping expats navigate the legal and bureaucratic processes, from obtaining a NIF and registering for healthcare to providing support for property purchases, legal advice, concierge services, and more. We work with experienced professionals to ensure a smooth transition for you.

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