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portugal

Can foreigners really own 100% of a Portuguese company? Yes. Portugal places no restrictions on foreign ownership — non-EU citizens can own 100% of a

Can foreigners really own 100% of a Portuguese company?

Yes. Portugal places no restrictions on foreign ownership — non-EU citizens can own 100% of a Portuguese company, hold director positions, and register a business with no residency requirement for founders or directors. This applies across virtually every sector.

The one practical gate: if you’re a non-EU/non-resident applicant, you’ll need a fiscal representative to obtain your NIF, the tax number required before you can do almost anything else on this list — the same rule that applies to opening a bank account or signing a lease.

Choosing your company structure

TABLE

StructureBest forMinimum capitalNotes
Sociedade por Quotas (Lda.)The default choice for most foreign foundersEffectively €1 per quotaholderUp to 30 quotaholders, flexible governance
Sociedade Unipessoal Lda.Solo foundersEffectively €1Single-member version of the Lda — the most common structure for one-person foreign-owned businesses
Sociedade Anónima (S.A.)Larger operations, external investors, plans to raise capital€50,000 minimum (25% paid at registration)Requires a minimum of 5 shareholders (or a single corporate parent), a 3-member board, and a mandatory external auditor (ROC) costing roughly €3,000+/year — overkill for most early-stage founders
Empresário em Nome Individual (ENI)Freelancers and solo consultants who don’t need a separate legal entityNoneSimpler sole-trader registration through Finanças, not a company in the legal sense — the route most freelancers use instead of incorporating

For most foreign founders, the choice comes down to Unipessoal Lda (solo) or Lda (multiple founders) — both offer limited liability, which an ENI sole-trader registration doesn’t.

Empresa na Hora: the one-hour route

Empresa na Hora (“company in an hour”) is exactly what it sounds like: a genuine same-visit incorporation, run through Lojas do Cidadão and Instituto de Registos e Notariado (IRN) offices.

TABLE

 CostTimeline
Empresa na Hora (in person, pre-approved name)€360~1 hour
Empresa Online 2.0 (pre-approved articles, digital)From €2201–2 business days
Custom incorporation (notary + lawyer, bespoke articles)€650–1,025Days to weeks, depending on complexity
Custom company name (instead of pre-approved list)€75 standard / €150 urgentCertificate valid 3 months

Choosing a name from Portugal’s pre-approved list (available via ePortugal.gov.pt) is free and keeps you on the fastest, cheapest path. Requesting a custom name adds a fee and a short wait for approval, but the certificate remains valid for three months, giving you time to complete registration at your own pace.

CALLOUT: All partners/shareholders generally need to be present in person for Empresa na Hora, with valid ID and NIFs in hand. If a founder can’t travel, the notary-led custom incorporation route (or a lawyer acting under power of attorney) is the practical alternative.

What Empresa na Hora doesn’t include

This catches a lot of first-time founders off guard: your €360 gets you a legally valid, registered company — and nothing else. Still to arrange separately:

  • A business bank account — not automatic; you’ll need to open one afterward
  • Social Security and Finanças registration as an employer, if you plan to hire staff
  • A certified accountant — legally mandatory (see below), not included in the incorporation fee
  • Drafting bespoke articles of association, if your shareholder structure is anything other than straightforward

Step by step: from NIF to trading

  1. Get your NIF — via a fiscal representative if you’re a non-EU/non-resident applicant.
  2. Get a Chave Móvel Digital (CMD), if registering via the online route — Portugal’s digital authentication key.
  3. Choose your company name — pre-approved list (free) or custom (€75–150).
  4. Choose your company structure — Unipessoal Lda or Lda for most foreign founders.
  5. Prepare your share capital — symbolic minimums for an Lda, substantially more for an S.A.
  6. Attend your Empresa na Hora appointment (or complete registration online) — all partners present with ID and documentation ready.
  7. Receive your registration certificate and NIPC (company tax number) — often same-day.
  8. Open a business bank account.
  9. Register with Social Security and Finanças, particularly if you’ll be hiring.
  10. Appoint your certified accountant — before you start trading, not after.

Why you legally need a certified accountant

This is the single most important thing this guide can tell you: every Portuguese company is legally required to have a Contabilista Certificado (certified accountant, formerly known as a TOC) from the moment it’s incorporated. This isn’t optional bookkeeping support — it’s a standing legal obligation for the life of the company, and your accountant is who files your periodic tax returns, manages payroll if you hire, and keeps your company compliant with Portuguese fiscal rules.

Typical ongoing cost runs roughly €75–200/month, depending on transaction volume, whether you have employees, and the complexity of your accounts. Get this relationship set up before you start invoicing, not scrambled together after your first filing deadline arrives.

CALLOUT: A good accountant does more than file paperwork — the right one can meaningfully shape whether you qualify for the reduced SME corporate tax rate, how you structure director pay versus dividends, and whether a special regional regime (like Madeira’s reduced-rate zone) makes sense for your business. Choosing based purely on the cheapest monthly quote is a common early mistake.

[Browse accountants and business advisors in Portugal on Expat Listing →]

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Corporate tax basics

TABLE

TaxApproximate rate
Standard corporate tax (IRC), mainland~20%, with recent budget revisions trending this figure lower — confirm the current year’s exact rate with your accountant
Reduced SME rate (on an initial profit tranche, IAPMEI-certified small businesses)Roughly 15–17%
Standard VAT (IVA)23%
Dividend withholding tax, non-resident shareholdersRoughly 10–15%, subject to any applicable tax treaty
Madeira IFTZ special regime (qualifying companies)As low as 5%, available under current rules through 2027

Corporate tax rates are revised through Portugal’s annual state budget, so treat any specific percentage as a snapshot to confirm with your accountant against the current year’s rules — this is exactly the kind of number worth getting from a professional rather than a static guide.

Which visa lets you run a business here?

Incorporating a company doesn’t automatically give you the right to live in Portugal and run it day-to-day. If you’re relocating specifically to actively manage a Portuguese business, the D2 Entrepreneur Visa is generally the correct route — distinct from the D7 (passive income) and D8 (remote work for foreign clients) visas covered elsewhere in this guide series. Setting up a company that creates local jobs can also support a Golden Visa application under its job-creation investment route, for founders pursuing that path instead.


Faq

portugal

Step 1: Get your NIF The NIF is Portugal’s tax identification number, and it’s the absolute prerequisite for everything that follows — you cannot open

Step 1: Get your NIF

The NIF is Portugal’s tax identification number, and it’s the absolute prerequisite for everything that follows — you cannot open a Portuguese bank account, sign a lease, or set up utilities without one.

If you’re an EU/EEA citizen: you can generally apply for a NIF yourself, in person, at a local Finanças (tax office), using just your passport or national ID card and proof of address.

If you’re not an EU/EEA citizen (or not yet resident in Portugal): you’ll typically need a fiscal representative — a Portugal-based person or firm who represents you before the tax authority. This is because holding Portuguese assets (a bank account counts) generally requires a resident point of contact for tax purposes. Expats commonly use a lawyer or a dedicated NIF service for this, at a cost of roughly €80–150 as a one-off fee, or around €200/year for ongoing representation through some services.

Three ways to get your NIF:

  1. In person at a Finanças office in Portugal — free, but requires a fiscal representative if you’re a non-EU/non-resident applicant.
  2. Through a fiscal representative or lawyer — they apply on your behalf, and you get ongoing representation as part of the service.
  3. Through an online NIF service (e.g. Bordr and similar providers) — handles both the NIF application and fiscal representation remotely, useful if you’re applying before you’ve relocated.

CALLOUT: Technically, you can get a NIF without a fiscal representative if you have no Portuguese tax liabilities or assets. In practice, since a bank account itself counts as an asset, most people arrange fiscal representation from the outset rather than trying to open an account without it.

Step 2: Gather your documents

Exact requirements vary by bank, but as a baseline, expect to provide:

  • Valid passport (or EU national ID card)
  • Your NIF and the NIF document
  • Proof of address abroad — a recent utility bill or bank statement from your home country
  • Proof of address in Portugal, if you have one — a rental contract, utility bill, or in some cases a hotel registration
  • Proof of income or employment, which varies by situation:
    • Employed: a statement of employment or a recent payslip (issued within the last 3–6 months)
    • Self-employed: business registration details, a letter from an accountant or business partner, or a tax return
    • Retired: pension statement (some banks may not require additional documentation here)

CALLOUT: Contact your specific bank of choice to confirm their exact document list before your appointment — requirements genuinely differ between banks, and turning up with the wrong paperwork is the most common reason this process takes longer than expected.

Step 3: Choose a bank

TABLE

Bank typeExamplesBest for
Traditional banksMillennium BCP, Santander Totta, Novo Banco, CGD, BPI, ActivoBankFull functionality — Multibanco access, MB WAY, in-person support
Digital/fintechWise, N26, RevolutFast setup, useful as a bridge account before you’re fully settled

A genuine Portuguese bank account gives you automatic access to Multibanco, Portugal’s interbank network used for ATM withdrawals, bill payments and everyday purchases, plus MB WAY, the widely used mobile payment app. Digital banks like Wise offer a real EUR IBAN and are excellent for receiving international payments quickly, but don’t provide Multibanco access — which some landlords, utility providers and government processes still specifically expect.

CALLOUT: Many expats run both: a digital account (like Wise) set up remotely before arrival to get an EUR IBAN moving immediately, and a traditional Portuguese bank account opened once they’re settled, for the day-to-day functionality that requires Multibanco.

Step 4: Apply — online or in branch

Online application (available at some banks for non-residents)

  • You’ll typically need your NIF, passport, and proof of address ready
  • Most banks that offer this route require a video identity verification call to confirm who you are
  • This route works for both EU and non-EU applicants, including US citizens, at banks that support it

In-branch application

  • Book an appointment in advance where possible
  • Bring original documents plus photocopies of everything — passport, NIF document, proof of address, proof of income
  • Expect the appointment itself to take under an hour if your paperwork is complete, though full account activation can take longer

CALLOUT: Compile hard copies of every document before you go, even for an online application — banks frequently request scanned copies of the same paperwork you’d bring in person, and having it ready from the start avoids a second round trip.

Step 5: Activate your account

Once approved, you’ll typically receive your account details, a debit card (often by post, taking a week or two to arrive), and access to online/mobile banking. At this point you can:

  • Set up direct debits for rent and utilities
  • Register for MB WAY, if using a traditional bank
  • Start receiving salary or client payments into your Portuguese IBAN

Which banks work best for foreigners?

TABLE

BankGood for
Millennium BCPWide branch network, commonly used by newcomers
Santander TottaInternational banking group with cross-border familiarity
Novo BancoEstablished, general-purpose option
CGD (Caixa Geral de Depósitos)Portugal’s largest state-owned bank, extensive branch coverage
BPI / ActivoBankDigital-friendly options within a traditional banking group
WiseFastest EUR IBAN with minimal upfront paperwork — no Multibanco access
N26 / RevolutFully digital onboarding, useful as a starting point


Faq

portugal
Nothing stops you from filing a D7, D8, or Golden Visa application yourself, and plenty of people do — usually those with simple cases

Skip the guesswork — browse verified immigration lawyers in Portugal

Every lawyer listed on Expat Listing is checked against the Ordem dos Advogados register before they’re added to our directory.

Why a DIY application is riskier than it looks

Nothing stops you from filing a D7, D8, or Golden Visa application yourself, and plenty of people do — usually those with simple cases, fluent Portuguese, and time to spare. For most expats, though, the risk isn’t failing outright; it’s the slow, expensive kind of mistake that eats months.

A few of the most common ways a self-filed application goes wrong:

  • Wrong visa category. Applying for a D7 with income that’s actually active remote work (or vice versa) is one of the most common rejection reasons — the categories look similar on the surface but have very different rules.
  • Documentation gaps. A criminal record certificate issued too early, an unregistered rental lease, or bank statements that don’t quite match your declared income are all routine reasons consulates request resubmissions — each one adding weeks.
  • Missed the AIMA window. Once your visa is issued, the clock is running on entering Portugal and booking your AIMA appointment. A missed step here can mean starting significant parts of the process over.
  • No representation if something goes wrong. If your application is refused, only a licensed lawyer can file a formal appeal or legal argument on your behalf. Without one, a refusal can mean starting again from scratch.

None of this means you can’t succeed alone — but in a system where AIMA is already working through a significant national backlog, a single unforced error is rarely just a minor delay. It’s often the difference between a 6-month process and a 12-month one.

Don’t let a document error cost you months

A licensed immigration lawyer catches these mistakes before they reach a consulate desk.

What a licensed immigration lawyer can do that others can’t

Portugal’s relocation industry includes a wide mix of people offering help: licensed lawyers, unlicensed “relocation consultants,” and firms that coordinate services without providing legal advice themselves. The distinction matters more than it might seem.

TABLE

 Licensed lawyer (advogado)Relocation consultant / advisor
Can give legally binding immigration adviceYesNo
Can represent you before AIMAYesNo
Can file a formal appeal if you’re refusedYesNo
Bound by professional/disciplinary standardsYes (OA-regulated)No
Required to carry professional indemnity insuranceYesNot necessarily
Can help coordinate NIF, banking, housing logisticsSometimesOften, yes

Only someone registered with the Ordem dos Advogados can legally use the title “advogado” and provide binding legal advice or represent you in immigration matters. Anyone using softer terms like “immigration consultant” or “relocation advisor” may be genuinely useful for logistics — but isn’t bound by the same professional standards, and can’t step in if your case needs a legal argument or an appeal.

CALLOUT: Some firms combine both: a licensed lawyer for the legal work, plus a separate coordination team for logistics like NIF registration, banking introductions, and housing search. If you go this route, make sure you understand exactly which parts of the service are licensed legal representation and which aren’t — you should typically see two separate contracts, or a clearly named lawyer explicitly listed on your engagement.

How to verify a lawyer’s credentials

This takes about two minutes and is worth doing before you pay anyone a deposit:

  1. Get the lawyer’s full name and registration number (cédula). A legitimate lawyer will give you this without hesitation.
  2. Search the Ordem dos Advogados register at portal.oa.pt/advogados/pesquisa-de-advogados.
  3. Check the status field. It must show “Inscrito” or “Activo.” Any other status — suspended, cancelled, or no record found at all — is a hard stop.
  4. Note the Conselho Regional (regional council) and registration date shown alongside their record, which confirms where they’re formally registered to practise.

CALLOUT: If a firm’s marketing describes an “immigration lawyer” but won’t give you a name and registration number you can independently verify, treat that as a signal to look elsewhere — not a formality to skip.

Every lawyer on Expat Listing is pre-verified

We check Ordem dos Advogados registration status before any immigration lawyer is added to our Portugal directory — so you don’t have to start from zero.

What it costs to hire an immigration lawyer in Portugal

Fees vary by visa type, case complexity, and whether you’re buying a fixed package or paying hourly. As a general guide for 2026:

TABLE

Visa typeTypical fee range
D7 / D8 visa (straightforward case)~€2,500–€5,000
D7 / D8 visa (complex case — family reunification, prior refusal, unusual income structure)Higher, quoted individually
Golden Visa (single applicant, fund route)~€4,000–€7,000
Golden Visa (family)~€5,000–€10,000
Golden Visa (US citizens / complex cross-border structures)~€7,000–€15,000+

Most lawyers charge either a fixed package fee covering the full process, or an hourly rate for more open-ended cases. Many packages also include post-arrival support — NIF registration, social security setup, and reviewing your rental contract — so it’s worth asking exactly what’s included before comparing quotes on price alone.

CALLOUT: Be cautious of any firm quoting a fee significantly below this range for a full-service application — it may signal a narrower scope of service (e.g., document review only, without AIMA representation) rather than genuinely lower-cost equivalent service.

Questions to ask before you sign

  • Can I see your Ordem dos Advogados registration number, so I can verify it myself?
  • Is this a fixed fee or hourly? What exactly is included, and what would trigger an additional charge?
  • Have you handled cases specifically for my visa type (D7 / D8 / Golden Visa / family reunification)?
  • Will you personally represent me at AIMA appointments, or is that handled by someone else on your team?
  • What happens, and what does it cost, if my application is refused and needs an appeal?
  • Can I get the engagement terms in writing before any payment?

Red flags to watch for

  • Guaranteed approval claims. No legitimate lawyer can guarantee a government decision — treat this as a serious warning sign, not reassurance.
  • No named, verifiable lawyer. Marketing that refers vaguely to “our legal team” without a specific name and registration number.
  • Reluctance to put fees in writing. Verbal-only fee agreements make disputes much harder to resolve later.
  • Pressure to pay large sums upfront before any contract or engagement letter is provided.
  • Unclear separation between legal services and coordination services, especially with firms bundling multiple offerings — ask directly which parts of the service are being delivered by a licensed lawyer.

Ready to talk to a licensed immigration lawyer?

Compare vetted immigration lawyers across Portugal, filtered by visa type and location


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