Portugal Golden Visa (ARI) – Bank Investment as the Best Option in 2025

The Golden Visa, officially known as the Authorization of Residence for Investment (ARI), allows non-EU nationals to obtain a temporary residence permit in Portugal through qualified investment activities. In 2025, new regulations emphasize strategic investment options, with the bank investment route standing out as the most advantageous choice.

Updated Legislation

According to Article 90.º-A of the Immigration Law, the following investment options qualify for the Portugal Golden Visa:

  • Capital transfer of at least €500,000 for research activities conducted by public or private scientific institutions.
  • Capital transfer of at least €250,000 to support artistic production or the preservation of cultural heritage.
  • Capital transfer of at least €500,000 for acquiring participation units in non-real estate investment funds, established under Portuguese law, with a minimum maturity of five years and at least 60% of their investments allocated to Portuguese companies.
  • Capital transfer of at least €500,000 to incorporate or strengthen the capital of a Portuguese company, coupled with the creation or maintenance of at least five permanent jobs for three years.

For the official guidelines and legislation, visit the AIMA website: Golden Visa Updated Law.

Bank Investment: The Best Option in 2025

Among the available investment options, the bank investment route (i.e., investing in Portuguese non-real estate funds) is becoming the preferred choice for applicants in 2025. These regulated investment funds ensure legal compliance while providing strong economic contributions to Portugal.

Advantages of the Bank Investment Route

  • Portfolio Diversification: Investors participate in professionally managed funds across various sectors.
  • Lower Risk Exposure: Funds distribute risk across multiple assets, making them safer than direct investments.
  • Simplified Compliance: Funds meet all legal requirements, streamlining the Golden Visa application process.
  • Economic Contribution: The investment directly supports Portuguese businesses, helping the local economy thrive.

How Prismaat Assists with Your Golden Visa Application

Applying for the Portugal Golden Visa through bank investment can be complex, but Prismaat simplifies the entire process for you. Our team will guide you through each step, ensuring compliance with legal requirements and maximizing your investment potential.

  1. Fund Selection Assistance: Prismaat will work with you to choose an eligible non-real estate investment fund that meets legal criteria and aligns with your financial goals.
  2. Investment Execution: We assist in facilitating the transfer of at least €500,000 to the selected fund.
  3. Document Preparation: Our team will help gather and verify all necessary documents, including proof of investment, passport, and criminal background checks.
  4. Application Submission: Prismaat will submit your application through the official ARI Portal: Golden Visa ARI Portal.
  5. Biometric Data Appointment: We will schedule and coordinate your biometrics appointment in Portugal, ensuring a smooth process.

With Prismaat managing your Golden Visa application, you can focus on your investment while we handle the bureaucracy. Contact us today to begin your journey toward Portuguese residency.

Residency and Citizenship Benefits

The Portugal Golden Visa offers numerous benefits, including:

  • The right to reside and work in Portugal with minimal stay requirements (7 days in the first year, 14 days in subsequent years).
  • Visa-free travel across the Schengen Area.
  • The ability to include family members under the same application.
  • Eligibility for permanent residency after five years and the possibility of Portuguese citizenship thereafter.

For further details and application procedures, visit the official AIMA Golden Visa Portal: Golden Visa ARI Portal.