Guides & tips for living between two countries
100+ expert guides for cross-border workers, expats, students and businesses: permits, taxation, insurance, pensions and CHF/EUR exchange. Updated weekly.
All guides
Off work in Switzerland: who pays a cross-border worker
Accident, long sick leave, disability: what Swiss accident insurance, the employer, the IV and the pension fund pay a cross-border worker. 2026 figures.
Updated on: 21 September 2026
Getting fired in Switzerland, what are your rights?
You are a cross-border worker in Switzerland and your employer just fired you? Know your rights and the procedure to follow.
Updated on: 20 September 2026
5 mistakes new Swiss cross-border workers make
Three months for the right of option, 31 March for the tax correction, 40% telework (25% Italy), EUR 1,500 per undeclared account: five mistakes.
Updated on: 19 September 2026
Cross-border worker taxes in Switzerland: who taxes you
Your canton of work and your country of residence decide which State taxes you: 8 cantons with no withholding for France, 40% teleworking (25% in Italy).
Updated on: 19 September 2026
Resigning in Switzerland: the notice rule that costs a month
Notice expires at the end of a month: one day late moves your departure by a whole month. Periods by seniority, benefits by country, second pillar and G permit.
Updated on: 19 September 2026
Locking your exchange rate in 2026: the real maths
A forward rate is not a forecast: it follows from the ECB 2.50% / SNB 0.00% rate gap. Full calculation, break-even at 0.9220 and the hidden margin.
Updated on: 18 September 2026
USD/CHF Forecast: The Fed Hikes, the Dollar at 0.8245
18 September 2026 update: the Fed raised rates to 3.75-4.00%. The dollar jumps to 0.8245 franc, its highest since spring 2025. Analysis and scenarios.
Updated on: 18 September 2026
CSG-CRDS for Cross-Border Workers 2026: Who Pays What
CSG-CRDS, the 8% health contribution, boxes 6DD and 8SH: what a Swiss cross-border worker living in France really pays on salary and assets in 2026.
Updated on: 16 September 2026
Multi-currency payroll: paying staff in their own money
Can a Swiss company pay a salary in euros? What the Federal Supreme Court held, which minimum wage applies after conversion, and the four possible set-ups.
Updated on: 16 September 2026
Leaving Switzerland: the 2026 departure checklist
Leaving Switzerland in 2026: departure notification, 2nd pillar, OASI, 3rd pillar, C permit. Four decisions must be made before you go. The full timeline.
Updated on: 15 September 2026
Investing in Switzerland: The Complete 2026 Guide
Discover how to invest in Switzerland: taxation, stock market, real estate, and atypical investments (watchmaking, gold, freeports). Expert and updated guide.
Updated on: 14 September 2026
EUR/CHF Forecast September 2026: The Euro Breaks 0.9400
14 September 2026 update: EUR/CHF climbs to 0.9451, its highest of the year. Why the ECB hike lifted the euro, and what it costs a CHF 5,000 salary.
Updated on: 14 September 2026
Qonto Alternatives for a Swiss Company (2026)
Qonto only opens in eight countries, and Switzerland is not one of them. Capital deposit, Swiss IBAN, FX cost: what each alternative actually covers.
Updated on: 4 September 2026
Swiss health insurance deductible 2026: the break-even
Deductible of 300 or 2,500, family doctor, HMO or Telmed: the exact care spend at which a high deductible stops paying, and when you may switch.
Updated on: 4 September 2026
Opening a Swiss Bank Account in 2026: The Expert Guide
Cross-border worker or new resident: how to open a Swiss bank account in 2026. Non-resident fees, Swiss IBAN, required documents and 13 institutions compared.
Updated on: 3 September 2026
Swiss withholding tax codes 2026: A, B, C, H explained
Tariff A, B, C, H, the German codes L, M, N, P, Q or the Italian R to V: what the letter of your withholding tax code changes on your Swiss payslip.
Updated on: 1 September 2026
Vested benefits account Switzerland: 2026 comparison
Contributions, limits, withdrawal conditions and tax: a costed comparison of bank accounts, securities foundations and vested benefits policies in Switzerland.
Updated on: 31 August 2026
Opening a Bank Account in Hong Kong: ZA Bank or HSBC
Traditional or digital banks (ZA Bank, Mox) in Hong Kong: who can open what, the HKID constraint, the real timelines and the cost of converting into francs.
Updated on: 28 August 2026
Swiss Scholarships for International Students 2026
ESKAS grants, EPFL and ETH Zurich fellowships, cantonal aid: who actually qualifies on a student permit, how much they pay in 2026 and when to apply.
Updated on: 27 August 2026
Cross-Border Inheritance 2026: Swiss or Foreign Law?
Death in Switzerland or abroad: which law governs the estate, which forced heirship rules apply, and who taxes what in France, Germany, Italy, Spain and Portugal.
Updated on: 26 August 2026
Geneva withholding tax correction (DRIS) 2026
DRIS or TOU in Geneva: every case in which a cross-border worker must correct their withholding tax before 31 March, and how much is really refundable in 2026.
Updated on: 25 August 2026
HKD-USD peg: how Hong Kong's currency anchor works
The Hong Kong dollar has been pegged to the US dollar between 7.75 and 7.85 since 2005. How the currency board works, and what it does to your Swiss francs.
Updated on: 24 August 2026
International Trading via Singapore: the Legal Rules
Trading via Singapore: bills of lading, uncapped letters of indemnity, electronic title recognised since 2021, and the Swiss rules that still apply.
Updated on: 20 August 2026
Repatriating capital from Hong Kong to Switzerland 2026
End of assignment in Hong Kong: IR56G tax clearance, MPF withdrawal, real transfer times for HKD to Switzerland and the AMLA framework on arrival.
Updated on: 14 August 2026
Becoming a Freelancer in Switzerland in 2026: Full Guide
OASI status, sole proprietorship or GmbH, the two CHF 100,000 thresholds, 8.1% VAT: how to start freelancing in Switzerland or invoice from abroad.
Updated on: 13 August 2026
13th month salary Switzerland 2026: rules and tax
No federal law requires a 13th month salary, yet 75.9% of employees receive one. Legal qualification, pro rata on departure, withholding tax and 2026 pitfalls.
Updated on: 12 August 2026
Getting Married in Switzerland as a Foreigner: 2026 Guide
Preparatory procedure, legalised documents, lawful residence, a three-month window and real costs: how to marry in Switzerland as a foreigner in 2026, tax included.
Updated on: 11 August 2026
Swiss LPP (2nd Pillar): 2026 Simulator, Taxation & Withdrawal
Swiss LPP (BVG): calculate your capital with our interactive simulator. Coordination deduction rules, WEF and cross-border withdrawal taxation.
Updated on: 10 August 2026
Swiss Payslip 2026: OASI, DI and LEC Contributions
OASI, DI, LEC, unemployment, LOB, accident cover: what each line deducts from your gross Swiss salary in 2026, with official rates and a full net calculation.
Updated on: 10 August 2026
LPP and Foreign Workers: Employer Obligations (2026 Guide)
Expert 2026 guide for Swiss employers on LPP affiliation for foreign workers (Cross-border, G Permit, B Permit). Thresholds, contributions, and rules.
Updated on: 10 August 2026
Swiss 2nd pillar (OP) 2026: figures, pension and withdrawal
Swiss pension 2026: entry threshold CHF 22,680, coordination deduction CHF 26,460, minimum rate 1.25%, conversion rate 6.8%. Pension or lump sum.
Updated on: 10 August 2026
Maximum AHV Pension (2,520 CHF): The Guide for Future Retirees
Complete breakdown of the conditions (Scale 44, Average Annual Income, Splitting) to reach the AHV pension ceiling of 2,520 CHF and optimize its repatriation abroad.
Updated on: 10 August 2026
Swiss Retirement Abroad (Portugal, Spain)
2026 guide: retiring in Portugal or Spain with a Swiss pension. Exporting your AVS and LPP, withholding tax, taxation, LAMal and converting CHF into EUR.
Updated on: 10 August 2026
Swiss Workplace Etiquette: The 2026 Business Culture Guide
Punctuality, formal address, meetings, apéro, emails: the unwritten rules of Swiss business culture in 2026, from the Röstigraben to Swiss employment law.
Updated on: 7 August 2026
Swiss Naturalisation 2026: Steps and Requirements
C permit, 10 years of residence, B1 speaking, cantonal test, fees: every step of Swiss naturalisation in 2026, from filing your file to the passport.
Updated on: 6 August 2026
Student Residences in Switzerland: Application Deadlines
FMEL, Ciguë, WOKO, APARTIS: when to apply for a Swiss student residence, the real waiting times city by city, and the tips that actually secure a room.
Updated on: 5 August 2026
Life certificate: drawing your Swiss pension abroad
Life and civil status certificate 2026: who still has to file it to keep drawing an AVS or LPP pension abroad, the 90-day deadline, exemptions and suspension.
Updated on: 4 August 2026
Cross-Border Worker Tax Deductions 2026: What You Miss
Childcare, home help, donations, overtime, alimony, school fees: the 2026 guide to the deductions cross-border workers in France, Germany and Italy forget.
Updated on: 3 August 2026
The Ultimate Guide for the New Swiss Cross-Border Worker (2026)
2026 guide for the new Swiss cross-border worker: G permit, telework caps (40% FR/DE, 25% IT), right of option, cantonal tax, allowances, FX.
Updated on: 29 July 2026
Moving to Dubai: Visas, Admin and Money
Moving to Dubai in 2026: residence visa, Emirates ID, health cover, real cost of living, what happens to your OASI and Swiss pension, and how to transfer money.
Updated on: 29 July 2026
Hong Kong Profits Tax: rates and cash flow 2026
Hong Kong Profits Tax in 2026: 8.25% and 16.5% rates, territorial source principle, provisional tax instalments and repatriating profits to Switzerland.
Updated on: 29 July 2026
Cross-Border Health Insurance 2025/2026: LAMal vs. Home Country
Should you choose Swiss health insurance (LAMal) or your home country's system (CMU, GKV, SSN)? Discover the pros, cons, and our multi-country cost simulator.
Updated on: 29 July 2026
Swiss Salary Certificate: How to Fill It In
Swiss employer: how to fill in the salary certificate (Form 11), sections 1 to 15, boxes F and G and the pitfalls for a cross-border employee in 2026.
Updated on: 20 July 2026
Average Salary Switzerland 2026: Jobs, Cantons & Minimum Wage
Swiss salary guide 2026: Average income by job, Geneva minimum wage (24.59 CHF/h), and net salary calculator for cross-border workers.
Updated on: 17 July 2026
Yuh Alternatives for Cross-Border Workers 2026
Yuh has suspended account openings for cross-border workers in 2026. Discover the best alternatives (Neon, Zak, Wise, Revolut, ibani) to get a Swiss IBAN.
Updated on: 16 July 2026
Internship Contract and Agreement in Switzerland 2026: the guide
Internship agreement or employment contract in Switzerland? Code of Obligations framework, mandatory clauses, tripartite agreement, probation.
Updated on: 13 July 2026
Changing cross-border health insurance (LAMal)
Right of option LAMal vs CMU/GKV/SSN: which changes (unemployment, moving, retirement) reopen a cross-border worker's health cover choice in 2026.
Updated on: 8 July 2026
Cross-Border Overtime Switzerland: LTr Guide 2026
Overtime vs excess work: Labour Act caps (45h/50h), the 25% surcharge, the 40% telework limit and CHF pay. The complete 2026 cross-border worker guide.
Updated on: 8 July 2026
Moving to Switzerland with a Pet: Vet Rules
Microchip, rabies vaccine, EU pet passport, customs and AMICUS registration: all the 2026 veterinary rules to move to Switzerland with your dog, cat or ferret.
Updated on: 29 June 2026
Family Allowances: Switzerland vs France, Germany & Italy
2026 priority rules for cross-border workers in France, Germany or Italy: Swiss cantonal amounts and the differential allowance (ADI, AUU).
Updated on: 26 June 2026
Working in two Swiss cantons: which tax rules apply?
Working in two Swiss cantons in 2026: withholding tax, the global-rate rule and salary centralisation for cross-border and B permit workers.
Updated on: 26 June 2026
Moving to Switzerland: your first 30 days
B permit, residents' registration (14 days), rent deposit and LAMal health insurance (90 days): the day-by-day admin checklist for new expats in Switzerland in 2026.
Updated on: 25 June 2026
Swiss Residence & Work Permits (B, C, G, L): 2026 Guide
Permit B, C, G or L: which Swiss residence or work permit do you need in 2026? Conditions, procedures, taxation and salary management.
Updated on: 24 June 2026
Hiring cross-border workers: employer checklist 2026
Hiring cross-border workers in Switzerland in 2026: G permit, withholding tax, telework limits and payroll in euros. The employer checklist.
Updated on: 24 June 2026
Paying Foreign Suppliers 2026: Swiss SME Guide
Bank spread, SWIFT fees, SEPA vs SWIFT: the complete guide to cutting the cost of paying your suppliers in EUR, USD or GBP from your Swiss SME in 2026.
Updated on: 17 June 2026
Paid Internship in Switzerland 2026: Permit, Salary, Tax
Paid internship in Switzerland: work permit (L or notification), 2026 intern salary, LAMal, source tax and how to repatriate your CHF salary.
Updated on: 16 June 2026
Repatriate Profits from a European Subsidiary to Switzerland 2026
Dividends, royalties, intra-group loans, management fees: the complete guide to repatriating EU subsidiary profits to your Swiss parent company in 2026.
Updated on: 4 June 2026
Cross-Border Worker & Self-Employment: Avoid Double Taxation
France, Germany or Italy resident with a Swiss job and freelance business? 2026 guide: tax treaties, effective rate, new agreement, G permit.
Updated on: 27 May 2026
Repatriating Funds from Singapore to Switzerland | Expert Guide
Expert guide and official sources: capital transfer, SRS/CPF liquidation, and SGD/CHF exchange rate optimization when relocating from Singapore to Switzerland.
Updated on: 1 May 2026
Relocating and Living in Switzerland: The 2026 Expert Guide
Complete and updated guide to moving to Switzerland: residence permits (SEM), cost of living (FSO), mandatory insurance (KVG/LAMal), and financial optimization.
Updated on: 1 May 2026
Buying Foreign Currency for Companies
B2B Guide: How Swiss and international companies can optimize foreign currency purchases and manage account-to-account transfers to reduce bank fees.
Updated on: 24 April 2026
Moving to Switzerland from Singapore: Visa, Study and Work
Expert guide for Singaporean citizens: visa exemption, immigration procedures, study permits, obtaining a work permit, and settling in Switzerland.
Updated on: 24 April 2026
Moving to Switzerland: Customs Checklist
Relocating to Switzerland: FOCBS customs, permits, KVG/LAMal, vehicles, the 10M Switzerland vote, and how to transfer your funds without hidden fees.
Updated on: 9 April 2026
Freelance Invoicing in Switzerland under CHF 100k: OASI & VAT
Legal guide for freelancers in Switzerland. How to invoice your first clients without AHV/OASI status, get recognized, and manage VAT exemption (VAT Act).
Updated on: 8 April 2026
Opening a Swiss Student Bank Account: Free Options (2026)
Students in Switzerland or cross-border: our 2026 comparison of the best banks and neobanks (UBS, Yuh, BCV). Avoid hidden fees, find a free offer.
Updated on: 2 April 2026
Buying Property in the Border Zone with a CHF Salary (2026)
Expert guide for cross-border workers: calculating borrowing capacity (HCSF), CHF salary haircut, and choosing between a foreign currency loan and a EUR loan.
Updated on: 1 April 2026
Swiss Rent Guarantee: How to Block Funds from Abroad in 2026
2026 Guide for expats: How to open and fund a Swiss rent guarantee account from Europe without hidden exchange fees.
Updated on: 1 April 2026
Importing Your Vehicle to Switzerland: Taxes, Customs, Plates
Comprehensive guide to importing a car to Switzerland. Exemption (form 18.44), customs duties (13.20A), vehicle inspection, and obtaining Swiss license plates.
Updated on: 1 April 2026
Convert Student B Permit to Work Permit CH
Expert guide for foreign graduates in Switzerland. Procedures, legal conditions (FNIA), and deadlines for converting a student B permit to a work permit.
Updated on: 31 March 2026
Cross-Border Dividends in Switzerland: Withholding Tax and FX
B2B Guide: How Swiss companies can optimize dividend payments to foreign shareholders against withholding tax (FTA) and exchange rate risk.
Updated on: 31 March 2026
EUR/CHF Rate: Why the Mid-Month Myth is False (2026 Analysis)
Factual analysis of the EUR/CHF exchange rate. Why exchanging a Swiss cross-border salary mid-month is not more advantageous than at the end of the month.
Updated on: 27 March 2026
Guide 2026: How to change currencies online
Discover our 2026 comparison: what is the best alternative to change your currencies online between a bank, a multi-currency account, and an intermediary like ibani?
Updated on: 26 March 2026
Financing a foreign branch from Switzerland | B2B Guide 2026
Swiss SMEs: discover the FTA rules to finance your subsidiary abroad and optimize your foreign exchange flows.
Updated on: 18 March 2026
Guide to Transport in Geneva 2026: Optimize Your Commute
Cross-border worker or newcomer to Geneva? Discover the transport solutions for 2026 (Léman Express, free TPG for youth, bikes) to ease your commute.
Updated on: 18 March 2026
Swiss Real Estate Companies (SI): Taxation for Non-Residents
Expert guide 2026: Discover the taxation of Swiss Real Estate Companies (SI) for non-resident investors and optimize the repatriation of your rental yields.
Updated on: 18 March 2026
Multi-currency accounting: expert guide to CHF/EUR reconciliation
Accountants and CFOs: Master exchange gain and loss entries across Europe. Discover how to automate the bank reconciliation of your cross-border invoices.
Updated on: 17 March 2026
Setting up a company in Switzerland (GmbH, AG, Sole Trader)
Entrepreneurs: discover how to transfer your capital, invoice as a sole trader (AHV), and manage VAT for small turnovers in 2026.
Updated on: 17 March 2026
2026 Expert Guide: The Swiss Three Pillars Retirement System
Discover OASI, Caisse de Pension (LPP), and 3rd pillar (3a) in Switzerland for 2026. Updated amounts, 13th AVS payment, and expert tax strategies.
Updated on: 17 March 2026
Job Opportunities in Switzerland 2026: Sectors, Jobs and Salaries
Swiss Job Market Barometer 2026: Discover the sectors facing talent shortages, the Top 10 most in-demand jobs, and their average salaries.
Updated on: 17 March 2026
Writing your CV and Applying for a Job in Switzerland (2026)
Discover the exact methodology to land a job in Switzerland in 2026. Complete guide on the Swiss CV format, application dossier, and essential job boards.
Updated on: 17 March 2026
TWINT without Swiss Address: Cross-Border
TWINT Prepaid now requires a Swiss address. Discover how cross-border workers can continue to use TWINT for free via Yuh or Yapeal in 2026.
Updated on: 17 March 2026
How to calculate an exchange rate? Formulas and Tools
Discover the exact method to easily calculate an exchange rate. Learn to spot hidden bank margins and optimize your CHF/EUR currency conversions.
Updated on: 6 March 2026
B2B Invoicing Switzerland - EU: VAT, Accounting and FX (2026)
2026 expert guide on cross-border invoicing between Switzerland and Europe. VAT rules, accounting entries, foreign exchange risk, and collection solutions.
Updated on: 3 March 2026
Swiss Student Residence Permit (B / L): 2026 Guide
Complete 2026 guide for international students in Switzerland: procedures, financial proof, obtaining and renewing B and L permits.
Updated on: 2 March 2026
Maternity & Paternity Leave CH Cross-Border
Everything you need to know about maternity (14 weeks) and paternity (2 weeks) leave in Switzerland for cross-border workers. Conditions, allowances, and procedures.
Updated on: 26 February 2026
Swiss G Permit: The Complete Guide for Cross-Border Workers 2026
Discover the 2026 updates for obtaining a Swiss G Permit. Easy-Gov procedures, 40 percent telework rule, validity, and official administration links.
Updated on: 20 February 2026
Withdraw 2nd Pillar (BVG) to buy property abroad
Expert guide: using your Swiss 2nd pillar (BVG/LPP) to buy a house abroad. Conditions, international taxes, and optimizing the exchange rate.
Updated on: 20 February 2026
Quasi-Resident Status in Switzerland: Pay Less Taxes
Expert guide on quasi-resident status (SOA) in Switzerland. Calculate the 90% rule, discover all deductions (3a, mortgage interests), and avoid the pitfalls.
Updated on: 20 February 2026
International Student Budget in Switzerland 2026 (EPFL, ETHZ)
Discover the real monthly budget of a foreign student in Switzerland (EPFL, ETHZ, Universities), the cost of living, and how to avoid international bank fees.
Updated on: 19 February 2026
Ibani Champion: Automate your Swiss bill payments
Discover how to use ibani to automatically pay your LAMal/KVG or Swiss bills directly from your CHF salary, in automatic or manual exchange mode.
Updated on: 18 February 2026
What does LAMal cover in France, Germany & Italy? The S1 Form
Discover what the Swiss health insurance (LAMal/KVG) actually covers for cross-border workers. Expert explanation of the S1 form, franchise, and local EU coverage.
Updated on: 18 February 2026
Renting an Apartment in Switzerland: The Ultimate Guide
Discover how to build the perfect rental application to rent an apartment in Switzerland in 2026. Real estate websites, students, debt register, and deposit.
Updated on: 17 February 2026
EUR/CHF: The macroeconomic factors influencing the exchange rate
Discover an expert analysis of the macroeconomic and historical factors influencing the EUR/CHF exchange rate. Inflation, interest rates, safe haven, and SNB.
Updated on: 16 February 2026
Transferring Your Swiss Salary Abroad in 2026: The Expert Guide
The most cost-effective way to transfer your Swiss salary home in 2026: avoid hidden bank fees and the spread, and optimise your exchange rate.
Updated on: 16 February 2026
Student Health Insurance Switzerland Guide
Don't pay full price! Expert guide for international students: how to get the LAMal exemption and save up to 3,000 CHF per year on your health insurance.
Updated on: 13 February 2026
Swiss Cross-Border Telework 2026: The Comparative Guide
Managing cross-border teams in Switzerland: Compliance guide for France (40%), Germany, and Italy. Social security limits, A1 certificate, and tax risks explained.
Updated on: 13 February 2026
Paying Tuition Fees in Switzerland from Abroad: The 2026 Guide
Student at EHL, EPFL, or UNIL? Discover how to pay your tuition fees in Switzerland without losing money on bank fees and exchange rates.
Updated on: 12 February 2026
Guide to OASI: Old Age and Survivors' Insurance in Switzerland
Everything you need to know about OASI: Understand how the first pillar of Swiss retirement works and its benefits.
Updated on: 11 February 2026
2026 Study: Cross-Border Purchasing Power Increases by 3% | Ibani
Exclusive Ibani Analysis Jan 2026: Despite moderate Swiss wage hikes (+1%), the exchange rate offers record purchasing power gains to cross-border workers.
Updated on: 16 January 2026
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