Life After the CRUE: What Happens?

1. NIF (Número de Identificação Fiscal)

You likely obtained your NIF before your CRUE (that's the ideal and the best option!), as it's often needed for rental agreements. However, it's a good time to ensure all the information associated with your NIF is correct, especially your address.

• Why it matters: An incorrect address on your NIF can cause issues with official correspondence and tax-related matters.
• How to check/update: Visit your local Finanças (tax office) or the Portal das Finanças website (if you have login credentials).

2. Opening a Portuguese bank account after CRUE

While you can use a foreign bank account, having a **local Portuguese bank account makes life significantly easier** for paying bills, receiving payments, using MBWay, and avoiding international transaction fees.

• What you'll need: Your passport/citizen card, NIF, proof of address (rental agreement or utility bill), and CRUE.
• Tips for choosing a bank: Compare fees, online banking options, and the availability of English-speaking staff. Some banks cater specifically to expats.

⚠️ With AnchorLess you can apply for a Portuguese bank account even before your moeve and arrive ready to adapt to life in Portugal.

3. Healthcare: Getting your Número de Utente (healthcare number)

Access to healthcare is crucial. As an EU citizen with a CRUE, you're entitled to access the Portuguese public healthcare system.

• How to register: Visit your local centro de saúde (health center) with your passport/citizen card, NIF, proof of address, and CRUE.
• What to expect: You'll be assigned a family doctor, and you'll receive your número de utente, which you'll need for all public healthcare appointments.
• Private Health Insurance: Consider getting private health insurance for faster access to specialists and a wider range of services.

4. Social Security (Segurança Social): Working or issuing receipts in Portugal

If you work in Portugal, your employer usually manages your **social security registration**. However, if you're self-employed, you'll need to register yourself.

• Why it's important: Social security contributions provide access to benefits such as unemployment benefits, pensions, and maternity/paternity leave.
• How to register: Visit your local Segurança Social office with your passport/citizen card, NIF, and CRUE.

5. Driver's License: Register or exchange your EU license

If you plan to drive in Portugal, you'll need to either **register your existing EU driving license or exchange it** for a Portuguese license.

• Registration: You can register your EU license with IMT (Instituto da Mobilidade e dos Transportes). This allows you to drive in Portugal for a certain period (usually a few years).
• Exchange: To obtain a Portuguese license, you'll need to exchange your EU license. This may involve a medical exam and, in some cases, a driving test.
• Important: Check the IMT website for the most up-to-date regulations and procedures.

6. Registering your address with the Junta de Freguesia (Parish Council)

While not always strictly enforced, registering your address with your local Junta de Freguesia can be helpful for certain administrative processes.

• Why it can be useful: It can serve as proof of address and may be required for certain local services.
• How to register: Visit your local Junta de Freguesia with your passport/citizen card, NIF, rental agreement, and CRUE.

7. Tax residency in Portugal

Obtaining your CRUE doesn't automatically make you a tax resident in Portugal. Tax residency is determined by factors such as the amount of time you spend in Portugal and whether you have a permanent home here.

• Why it's important: Tax residents are subject to Portuguese income tax on their worldwide income.
• Seek professional advice: Consult a tax advisor to determine your tax residency status and understand your tax obligations.

8. Staying Updated: Official Communication and AIMA

Keep an eye on official communication from Portuguese authorities. Make sure your contact information is up-to-date with AIMA and Finanças. The AIMA website is the best place to find the most current and reliable information.

9. End of CRUE in Portugal

Have you reached the 5-year mark of your CRUE? Time to get in touch with AIMA.

Right before your CRUE's time is up, you can schedule an appointment with AIMA to convert your CRUE into a permanent residency.

• Why it can be useful: It's what will keep you legally living in Portugal for the rest of your stay.
• How to register: Visit AIMA and schedule an appointment.