First steps in Portugal: NIF, bank, AIMA and cost of living

Most Portuguese residency routes share the same practical steps: a NIF (tax number), a bank account, accommodation, an AIMA appointment for the residence card and, once you start working, a NISS (social security number) and registration with the public health service (SNS). Doing these steps correctly and on time saves you months.

Before you travel

1. NIF: the tax number you need for leases, banks and almost everything else. Non-residents get it through a tax representative or an online service.
2. Portuguese bank account: expected by consulates for the D7 and D8, and many banks open accounts remotely with a NIF.
3. Accommodation: usually a 12-month lease registered with the tax office.
4. Visa: apply at the embassy or VFS centre; the residence visa is valid for 4 months. Where to apply

After you arrive

1. AIMA appointment: usually printed on the visa; if not, request one through AIMA's online form after arrival.
2. Biometrics and residence card: the first temporary card is valid for 2 years, then renewed for 3.
3. NISS: your social security number, needed to work or be self-employed.
4. SNS: register at your local health centre and get a health service user number.
5. Update your address with the tax office and register as tax resident; if you qualify, file for IFICI by 15 January of the following year.

Processing times in 2026

AIMA's legal deadline is 90 days, but in practice residence cards in 2026 often take 6 to 18 months, and golden visa files much longer. Until the card is issued, keep your visa and application receipt with you, and check your position with a lawyer before travelling outside Portugal.

Rent (approximate, 2026)

Smaller cities such as Coimbra, Braga and inland towns are much cheaper. Figures are approximate, based on asking-rent reports from autumn 2026.

Frequently asked questions

How do I get a Portuguese NIF from abroad?

Non-residents get a NIF through a tax representative or lawyer in Portugal; Imperial does this for its clients.

What if my visa has no AIMA appointment?

After entering Portugal, request an appointment through AIMA's online form and keep the receipt.

How much does it cost to live in Lisbon each month?

Rent is the biggest cost: a 60 m² flat in Lisbon is about €1,400 a month and in Porto about €1,000; food and transport are reasonable compared with western Europe.

Figures are approximate and reflect the position in October 2026.